Toyota Tacoma Insurance Rates
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UPDATED: Jun 6, 2023
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Are Tacomas expensive to insure compared to other vehicles? The average Toyota Tacoma insurance rates are $1,338 a year, or $111 a month. Read on to learn more about Toyota Tacoma car insurance rates and what you can do to save.
To start shopping for the cheapest Toyota Tacoma insurance rates in your area, enter your ZIP code in our free tool above.
Estimated auto insurance rates for a Toyota Tacoma are $1,296 annually for full coverage. Comprehensive insurance costs on average $262 each year, collision insurance costs $446, and liability is $430. A policy with only liability insurance costs around $486 a year, and a high-risk policy costs $2,802 or more. Teenage drivers pay the most at up to $4,922 a year.
Average premium for full coverage: $1,296
Premium estimates by type of coverage:
Estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and Tacoma models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Toyota Tacoma range from as cheap as $486 for minimum levels of liability insurance to a high rate of $2,802 for a driver who has had serious violations or accidents.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are statistically proven to have fewer accident claims than densely populated cities. The graphic below illustrates how location helps determine car insurance rates.
These rate differences show why all drivers should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on average rates.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Additional Rate Details
The chart below shows average Toyota Tacoma insurance rates for different risk profiles and scenarios.
- The best discount rate is $756
- Raising to $1,000 deductibles will save around $160 a year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,296
- Using low deductibles costs an additional $312 annually
- Drivers who are prone to accidents and violations could pay upwards of $2,802
- An auto insurance policy with full coverage for a 16-year-old driver may cost $4,922
Car insurance prices for a Toyota Tacoma also have a wide range based on the model of your Tacoma, your driver profile, and policy deductibles and limits.
More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged upwards of $4,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 129% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles can reduce prices by up to $480 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $387 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Toyota Tacoma insurance prices. A middle-age driver might find prices as low as $860 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,850 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,174 | -$122 | -9.4% |
| Alaska | $996 | -$300 | -23.1% |
| Arizona | $1,076 | -$220 | -17.0% |
| Arkansas | $1,296 | -$0 | 0.0% |
| California | $1,478 | $182 | 14.0% |
| Colorado | $1,238 | -$58 | -4.5% |
| Connecticut | $1,334 | $38 | 2.9% |
| Delaware | $1,468 | $172 | 13.3% |
| Florida | $1,622 | $326 | 25.2% |
| Georgia | $1,196 | -$100 | -7.7% |
| Hawaii | $930 | -$366 | -28.2% |
| Idaho | $876 | -$420 | -32.4% |
| Illinois | $966 | -$330 | -25.5% |
| Indiana | $976 | -$320 | -24.7% |
| Iowa | $876 | -$420 | -32.4% |
| Kansas | $1,234 | -$62 | -4.8% |
| Kentucky | $1,768 | $472 | 36.4% |
| Louisiana | $1,918 | $622 | 48.0% |
| Maine | $800 | -$496 | -38.3% |
| Maryland | $1,068 | -$228 | -17.6% |
| Massachusetts | $1,038 | -$258 | -19.9% |
| Michigan | $2,252 | $956 | 73.8% |
| Minnesota | $1,086 | -$210 | -16.2% |
| Mississippi | $1,552 | $256 | 19.8% |
| Missouri | $1,152 | -$144 | -11.1% |
| Montana | $1,394 | $98 | 7.6% |
| Nebraska | $1,022 | -$274 | -21.1% |
| Nevada | $1,554 | $258 | 19.9% |
| New Hampshire | $936 | -$360 | -27.8% |
| New Jersey | $1,450 | $154 | 11.9% |
| New Mexico | $1,148 | -$148 | -11.4% |
| New York | $1,366 | $70 | 5.4% |
| North Carolina | $748 | -$548 | -42.3% |
| North Dakota | $1,062 | -$234 | -18.1% |
| Ohio | $896 | -$400 | -30.9% |
| Oklahoma | $1,332 | $36 | 2.8% |
| Oregon | $1,186 | -$110 | -8.5% |
| Pennsylvania | $1,238 | -$58 | -4.5% |
| Rhode Island | $1,730 | $434 | 33.5% |
| South Carolina | $1,174 | -$122 | -9.4% |
| South Dakota | $1,094 | -$202 | -15.6% |
| Tennessee | $1,136 | -$160 | -12.3% |
| Texas | $1,564 | $268 | 20.7% |
| Utah | $960 | -$336 | -25.9% |
| Vermont | $888 | -$408 | -31.5% |
| Virginia | $778 | -$518 | -40.0% |
| Washington | $1,002 | -$294 | -22.7% |
| West Virginia | $1,188 | -$108 | -8.3% |
| Wisconsin | $898 | -$398 | -30.7% |
| Wyoming | $1,156 | -$140 | -10.8% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Tacoma 2WD | $1,262 | $105 |
| Toyota Tacoma 4WD | $1,228 | $102 |
| Toyota Tacoma Double Cab 4WD | $1,268 | $106 |
| Toyota Tacoma X-Runner 2WD | $1,380 | $115 |
| Toyota Tacoma Double Cab 4WD | $1,308 | $109 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,348 | $112 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,348 | $112 |
Rates assume 2020 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2020 Toyota Tacoma | $262 | $446 | $430 | $1,296 |
| 2019 Toyota Tacoma | $248 | $430 | $442 | $1,278 |
| 2017 Toyota Tacoma | $230 | $376 | $456 | $1,220 |
| 2016 Toyota Tacoma | $220 | $338 | $460 | $1,176 |
| 2015 Toyota Tacoma | $206 | $310 | $460 | $1,134 |
| 2014 Toyota Tacoma | $198 | $292 | $464 | $1,112 |
| 2013 Toyota Tacoma | $194 | $272 | $474 | $1,098 |
| 2012 Toyota Tacoma | $180 | $252 | $474 | $1,064 |
| 2010 Toyota Tacoma | $162 | $210 | $474 | $1,004 |
| 2009 Toyota Tacoma | $152 | $190 | $474 | $974 |
| 2008 Toyota Tacoma | $148 | $170 | $468 | $944 |
| 2007 Toyota Tacoma | $146 | $166 | $460 | $930 |
| 2006 Toyota Tacoma | $144 | $160 | $452 | $914 |
| 2005 Toyota Tacoma | $132 | $152 | $446 | $888 |
| 2004 Toyota Tacoma | $126 | $144 | $442 | $870 |
Rates are averaged for all Toyota Tacoma models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Low Cost Toyota Tacoma Insurance
Finding better rates on insurance for a Toyota Tacoma consists of not taking risks behind the wheel, having a good credit score, not filing small claims, and possibly raising deductibles. Invest time comparing rates every other policy renewal by getting quotes from direct carriers, and also from local insurance agents.
The following is a review of the ideas that were covered in the charts and tables above.
- Teens are expensive to insure, as much as $410 per month if comprehensive and collision insurance is included
- Drivers considered higher risk who have several accidents or serious violations may be required to pay an average of $1,510 more each year for Tacoma insurance
- Increasing policy deductibles could save up to $475 each year
- Drivers can save as much as $150 per year just by quoting online in advance
Whether you are buying 2020 Tacoma insurance or insurance for a used Toyota Tacoma, remember that shopping for insurance quotes will help you save. Use our free tool below to find the best Tacoma insurance costs in your area.
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What are the safety ratings of the Toyota Tacoma?
Not only do good safety features and ratings help keep you safe, but they will also help lower your car insurance rates. The Toyota Tacoma has some great safety features. In addition to a multiple airbag system, it has brake assist, traction control, lane departure warning, and more.
The 2020 Toyota Tacoma’s safety ratings from the Insurance Institute of Highway Safety (IIHS) are also good. Take a look at the ratings for various IIHS crash tests below.
- Small overlap front (driver-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
Good is the best rating from the IIHS, so most insurers should provide a small discount for the Toyota Tacoma’s safety features and ratings. If you would like to see how the IIHS tests vehicles, watch the video below to see what these ratings are based on.
Toyota Tacoma Compared Against Other Vehicles in the Same Class
The Toyota Tacoma is a small pickup. The IIHS has rated the Toyota Tacoma’s bodily injury and property damage liability losses as average, which means the Toyota Tacoma’s liability rates should be normal.
To see how the Toyota Tacoma’s insurance rates compare to other small pickups’ insurance rates, take a look at the list of vehicles below.
Are you ready to start shopping for Toyota Tacoma insurance rates? Enter your ZIP code in our free rate comparison tool.
References:
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,922 |
| 20 | $2,984 |
| 30 | $1,344 |
| 40 | $1,296 |
| 50 | $1,186 |
| 60 | $1,162 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,608 |
| $250 | $1,464 |
| $500 | $1,296 |
| $1,000 | $1,136 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,296 |
| 50/100 | $1,434 |
| 100/300 | $1,542 |
| 250/500 | $1,821 |
| 100 CSL | $1,477 |
| 300 CSL | $1,714 |
| 500 CSL | $1,886 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,000 |
| 20 | $4,750 |
| 30 | $2,854 |
| 40 | $2,802 |
| 50 | $2,674 |
| 60 | $2,650 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $68 |
| Multi-vehicle | $68 |
| Homeowner | $20 |
| 5-yr Accident Free | $92 |
| 5-yr Claim Free | $83 |
| Paid in Full/EFT | $56 |
| Advance Quote | $62 |
| Online Quote | $91 |
| Total Discounts | $540 |
Discounts are estimated and may not be available from every company or in every state.
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