Toyota Tacoma Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 6, 2023

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Toyota Tacoma insurance
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:

Comprehensive $262
Collision $446
Liability $430

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.

Liability Only $486
Full Coverage $1,296
High Risk $2,802

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.

Rural Areas $972
Small Cities $1,361
Large Cities $1,750

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

View Chart as Image

Toyota Tacoma insurance cost comparison chart
Column chart showing Toyota Tacoma insurance prices range from $756 to $4,922 for full coverage

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.

Toyota Tacoma Insurance Rates by State
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%

View Chart as Image

Toyota Tacoma insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Toyota Tacoma Insurance Rates by Model and Trim Level
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.

Toyota Tacoma Insurance Rates by Model Year
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.



Rates by Driver Age

Toyota Tacoma Insurance 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

Toyota Tacoma Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,608
$250 $1,464
$500 $1,296
$1,000 $1,136

Full coverage, driver age 40

Rates by Liability Limit

Toyota Tacoma Insurance Rates with Different Liability Limits
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

Toyota Tacoma Insurance 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.

SR-22 Surcharge $179

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
Rate after discounts $756

Discounts are estimated and may not be available from every company or in every state.

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