Toyota Tacoma Insurance Rates
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UPDATED: Aug 23, 2022
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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 $1,312 annually with full coverage. Comprehensive insurance costs around $272, collision costs $466, and liability costs around $416. A policy with only liability insurance costs as low as $474 a year, with a high-risk policy costing $2,832 or more. 16-year-old drivers pay the most at $4,948 a year or more.
Average premium for full coverage: $1,312
Premium estimates for type of coverage:
Includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all U.S. states and for different Tacoma trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Toyota Tacoma go from as cheap as $474 for your basic liability-only policy to a much higher rate of $2,832 for a high-risk insurance policy.
Insurance Price Range by Location
Where you live can have significant affects on insurance rates. Areas with sparse population are statistically proven to have fewer collision claims than congested cities.
The price range example below illustrates how your location can change auto insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own personal driving habits, instead of using rate averages.
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.
More Rate Information
The chart below details estimated Toyota Tacoma insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $762
- Using higher $1,000 deductibles will save about $168 annually
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,312
- Buying more expensive low deductibles for physical damage coverage costs an additional $324 every year
- Drivers with multiple tickets or accidents could pay at least $2,832 or more
- An auto insurance policy with full coverage for a teen driver with full coverage can be $4,948 or more
Car insurance prices for a Toyota Tacoma also have a wide range based on the model of your Tacoma, your driving record, and deductibles and policy limits.
An older driver with no driving violations and high physical damage deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged as much as $4,900 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you may be forking out at least $1,600 to $2,100 extra annually, depending on your age. High-risk driver insurance can be as much as 42% to 136% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $500 every year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $375 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Toyota Tacoma insurance prices. A driver around age 40 might see prices as low as $950 a year in states like New Hampshire, Ohio, and Utah, or at least $1,770 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,186 | -$126 | -9.6% |
| Alaska | $1,006 | -$306 | -23.3% |
| Arizona | $1,090 | -$222 | -16.9% |
| Arkansas | $1,312 | -$0 | 0.0% |
| California | $1,494 | $182 | 13.9% |
| Colorado | $1,254 | -$58 | -4.4% |
| Connecticut | $1,350 | $38 | 2.9% |
| Delaware | $1,484 | $172 | 13.1% |
| Florida | $1,642 | $330 | 25.2% |
| Georgia | $1,212 | -$100 | -7.6% |
| Hawaii | $942 | -$370 | -28.2% |
| Idaho | $888 | -$424 | -32.3% |
| Illinois | $978 | -$334 | -25.5% |
| Indiana | $990 | -$322 | -24.5% |
| Iowa | $886 | -$426 | -32.5% |
| Kansas | $1,248 | -$64 | -4.9% |
| Kentucky | $1,792 | $480 | 36.6% |
| Louisiana | $1,942 | $630 | 48.0% |
| Maine | $810 | -$502 | -38.3% |
| Maryland | $1,082 | -$230 | -17.5% |
| Massachusetts | $1,050 | -$262 | -20.0% |
| Michigan | $2,278 | $966 | 73.6% |
| Minnesota | $1,098 | -$214 | -16.3% |
| Mississippi | $1,572 | $260 | 19.8% |
| Missouri | $1,166 | -$146 | -11.1% |
| Montana | $1,410 | $98 | 7.5% |
| Nebraska | $1,034 | -$278 | -21.2% |
| Nevada | $1,572 | $260 | 19.8% |
| New Hampshire | $946 | -$366 | -27.9% |
| New Jersey | $1,466 | $154 | 11.7% |
| New Mexico | $1,160 | -$152 | -11.6% |
| New York | $1,382 | $70 | 5.3% |
| North Carolina | $756 | -$556 | -42.4% |
| North Dakota | $1,074 | -$238 | -18.1% |
| Ohio | $908 | -$404 | -30.8% |
| Oklahoma | $1,348 | $36 | 2.7% |
| Oregon | $1,202 | -$110 | -8.4% |
| Pennsylvania | $1,252 | -$60 | -4.6% |
| Rhode Island | $1,748 | $436 | 33.2% |
| South Carolina | $1,188 | -$124 | -9.5% |
| South Dakota | $1,108 | -$204 | -15.5% |
| Tennessee | $1,150 | -$162 | -12.3% |
| Texas | $1,582 | $270 | 20.6% |
| Utah | $972 | -$340 | -25.9% |
| Vermont | $898 | -$414 | -31.6% |
| Virginia | $788 | -$524 | -39.9% |
| Washington | $1,016 | -$296 | -22.6% |
| West Virginia | $1,202 | -$110 | -8.4% |
| Wisconsin | $908 | -$404 | -30.8% |
| Wyoming | $1,168 | -$144 | -11.0% |
With such a large range in prices, the best way to find out your exact price is to compare prices and see which company has the best price. Each insurance company utilizes a different rate formula, so rate quotes will be substantially different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Tacoma 2WD | $1,276 | $106 |
| Toyota Tacoma 4WD | $1,242 | $104 |
| Toyota Tacoma Double Cab 4WD | $1,282 | $107 |
| Toyota Tacoma X-Runner 2WD | $1,398 | $117 |
| Toyota Tacoma Double Cab 4WD | $1,324 | $110 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,364 | $114 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,364 | $114 |
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 | $272 | $466 | $416 | $1,312 |
| 2019 Toyota Tacoma | $262 | $446 | $430 | $1,296 |
| 2017 Toyota Tacoma | $238 | $400 | $452 | $1,248 |
| 2016 Toyota Tacoma | $230 | $376 | $456 | $1,220 |
| 2015 Toyota Tacoma | $220 | $338 | $460 | $1,176 |
| 2014 Toyota Tacoma | $206 | $310 | $460 | $1,134 |
| 2013 Toyota Tacoma | $198 | $292 | $464 | $1,112 |
| 2012 Toyota Tacoma | $194 | $272 | $474 | $1,098 |
| 2010 Toyota Tacoma | $174 | $228 | $478 | $1,038 |
| 2009 Toyota Tacoma | $162 | $210 | $474 | $1,004 |
| 2008 Toyota Tacoma | $152 | $190 | $474 | $974 |
| 2007 Toyota Tacoma | $148 | $170 | $468 | $944 |
| 2006 Toyota Tacoma | $146 | $166 | $460 | $930 |
| 2005 Toyota Tacoma | $144 | $160 | $452 | $914 |
| 2004 Toyota Tacoma | $132 | $152 | $446 | $888 |
| 2003 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 the Cheapest Toyota Tacoma Insurance
Finding better rates on car insurance requires being a low-risk driver, having a good credit score, being claim-free, and qualifying for all possible discounts. Invest the time to shop around at least every other year by requesting quotes from direct companies, and also from local exclusive and independent agents.
The items below are a recap of the car insurance concepts illustrated above.
- Higher risk drivers that have major violations or accidents may pay on average $1,520 more every year to insure their Tacoma
- You may be able to save up to $160 per year simply by shopping early and online
- Increasing policy deductibles could save up to $500 each year
- Policyholders who may need more liability coverage will pay around $460 every year to increase from 30/60 bodily injury limits to higher 250/500 limits
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 | $4,948 |
| 20 | $3,018 |
| 30 | $1,364 |
| 40 | $1,312 |
| 50 | $1,200 |
| 60 | $1,176 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,636 |
| $250 | $1,486 |
| $500 | $1,312 |
| $1,000 | $1,144 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,312 |
| 50/100 | $1,447 |
| 100/300 | $1,551 |
| 250/500 | $1,822 |
| 100 CSL | $1,489 |
| 300 CSL | $1,718 |
| 500 CSL | $1,884 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,042 |
| 20 | $4,806 |
| 30 | $2,890 |
| 40 | $2,832 |
| 50 | $2,704 |
| 60 | $2,678 |
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 | $69 |
| Multi-vehicle | $69 |
| Homeowner | $20 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $58 |
| Advance Quote | $64 |
| Online Quote | $92 |
| Total Discounts | $550 |
Discounts are estimated and may not be available from every company or in every state.
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