Toyota Tacoma Insurance Rates
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UPDATED: Jun 2, 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.
U.S. average insurance rates for a Toyota Tacoma are $1,316 a year with full coverage. Comprehensive costs approximately $282, collision insurance costs $478, and liability is $398. Liability-only insurance costs around $460 a year, and high-risk driver insurance costs around $2,836. Teenage drivers pay the highest rates at up to $4,924 a year.
Average premium for full coverage: $1,316
Price estimates by individual coverage:
Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for all Tacoma models.
Price Range from Low to High
For a driver around age 40, Toyota Tacoma insurance prices range from as low as $460 for just the minimum liability insurance to the much higher price of $2,836 for a driver required to buy high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on the price of insurance. Rural locations have a lower frequency of collision claims than densely populated cities. The example below illustrates the difference between rural and urban areas on auto insurance prices.
The ranges above demonstrate why everyone should compare rates quotes using their specific location and risk profile, 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 Analysis
The chart below details average Toyota Tacoma insurance rates for additional coverage and risk scenarios.
- The best discount rate is $765
- Raising to $1,000 deductibles will save $174 annually
- The average rate for the average middle-age driver who chooses $500 deductibles is $1,316
- Using pricier low deductibles will increase the cost to $1,648
- Drivers who are prone to accidents and violations could pay around $2,836
- The price for full coverage for a 16-year-old driver for full coverage can cost $4,924
Car insurance prices for a Toyota Tacoma are also quite variable based on your driving record, the trim level and model year, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged in the ballpark of $4,900 a year. View Rates by Age
The state you live in also has a big influence on Toyota Tacoma insurance prices. A middle-age driver might find prices as low as $950 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,780 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,190 | -$126 | -9.6% |
| Alaska | $1,010 | -$306 | -23.3% |
| Arizona | $1,092 | -$224 | -17.0% |
| Arkansas | $1,316 | -$0 | 0.0% |
| California | $1,500 | $184 | 14.0% |
| Colorado | $1,256 | -$60 | -4.6% |
| Connecticut | $1,354 | $38 | 2.9% |
| Delaware | $1,488 | $172 | 13.1% |
| Florida | $1,646 | $330 | 25.1% |
| Georgia | $1,214 | -$102 | -7.8% |
| Hawaii | $944 | -$372 | -28.3% |
| Idaho | $890 | -$426 | -32.4% |
| Illinois | $982 | -$334 | -25.4% |
| Indiana | $990 | -$326 | -24.8% |
| Iowa | $888 | -$428 | -32.5% |
| Kansas | $1,252 | -$64 | -4.9% |
| Kentucky | $1,796 | $480 | 36.5% |
| Louisiana | $1,946 | $630 | 47.9% |
| Maine | $812 | -$504 | -38.3% |
| Maryland | $1,084 | -$232 | -17.6% |
| Massachusetts | $1,054 | -$262 | -19.9% |
| Michigan | $2,286 | $970 | 73.7% |
| Minnesota | $1,102 | -$214 | -16.3% |
| Mississippi | $1,578 | $262 | 19.9% |
| Missouri | $1,168 | -$148 | -11.2% |
| Montana | $1,412 | $96 | 7.3% |
| Nebraska | $1,038 | -$278 | -21.1% |
| Nevada | $1,578 | $262 | 19.9% |
| New Hampshire | $948 | -$368 | -28.0% |
| New Jersey | $1,472 | $156 | 11.9% |
| New Mexico | $1,166 | -$150 | -11.4% |
| New York | $1,386 | $70 | 5.3% |
| North Carolina | $758 | -$558 | -42.4% |
| North Dakota | $1,076 | -$240 | -18.2% |
| Ohio | $910 | -$406 | -30.9% |
| Oklahoma | $1,352 | $36 | 2.7% |
| Oregon | $1,206 | -$110 | -8.4% |
| Pennsylvania | $1,256 | -$60 | -4.6% |
| Rhode Island | $1,756 | $440 | 33.4% |
| South Carolina | $1,194 | -$122 | -9.3% |
| South Dakota | $1,110 | -$206 | -15.7% |
| Tennessee | $1,152 | -$164 | -12.5% |
| Texas | $1,586 | $270 | 20.5% |
| Utah | $974 | -$342 | -26.0% |
| Vermont | $900 | -$416 | -31.6% |
| Virginia | $786 | -$530 | -40.3% |
| Washington | $1,018 | -$298 | -22.6% |
| West Virginia | $1,206 | -$110 | -8.4% |
| Wisconsin | $910 | -$406 | -30.9% |
| Wyoming | $1,170 | -$146 | -11.1% |
Using high physical damage deductibles can reduce prices by up to $510 annually, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit
If you have some driving violations or tend to cause accidents, you may be forking out anywhere from $1,600 to $2,100 extra each year, depending on your age. Toyota Tacoma insurance for high-risk drivers is expensive and can cost from 43% to 136% more than a normal policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Toyota Tacoma 2WD | $1,278 | $107 |
| Toyota Tacoma 4WD | $1,244 | $104 |
| Toyota Tacoma Double Cab 4WD | $1,286 | $107 |
| Toyota Tacoma X-Runner 2WD | $1,404 | $117 |
| Toyota Tacoma Double Cab 4WD | $1,328 | $111 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,368 | $114 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,368 | $114 |
Rates assume 2023 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 |
|---|---|---|---|---|
| 2024 Toyota Tacoma | $294 | $482 | $390 | $1,324 |
| 2023 Toyota Tacoma | $282 | $478 | $398 | $1,316 |
| 2022 Toyota Tacoma | $272 | $466 | $416 | $1,312 |
| 2021 Toyota Tacoma | $262 | $446 | $430 | $1,296 |
| 2020 Toyota Tacoma | $248 | $430 | $442 | $1,278 |
| 2019 Toyota Tacoma | $238 | $400 | $452 | $1,248 |
| 2018 Toyota Tacoma | $230 | $376 | $456 | $1,220 |
| 2017 Toyota Tacoma | $220 | $338 | $460 | $1,176 |
| 2016 Toyota Tacoma | $206 | $310 | $460 | $1,134 |
| 2015 Toyota Tacoma | $198 | $292 | $464 | $1,112 |
| 2014 Toyota Tacoma | $194 | $272 | $474 | $1,098 |
| 2013 Toyota Tacoma | $180 | $252 | $474 | $1,064 |
| 2012 Toyota Tacoma | $174 | $228 | $478 | $1,038 |
| 2010 Toyota Tacoma | $152 | $190 | $474 | $974 |
| 2009 Toyota Tacoma | $148 | $170 | $468 | $944 |
| 2008 Toyota Tacoma | $146 | $166 | $460 | $930 |
| 2007 Toyota Tacoma | $144 | $160 | $452 | $914 |
| 2006 Toyota Tacoma | $132 | $152 | $446 | $888 |
| 2005 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 Find the Best Toyota Tacoma Insurance
Getting lower rates on insurance for a Toyota Tacoma consists of being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and attention to physical damage deductibles. Set aside time to compare rates at every policy renewal by getting rate quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.
Below you'll find a brief recap of the data covered above.
- Insureds who purchase more liability protection will pay an extra $440 every year to raise from a low limit to 250/500 limits
- You may be able to save around $160 per year just by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save around $500 each year
- Youthful drivers pay the highest auto insurance prices, costing up to $410 a month if full coverage is included
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 | $4,924 |
| 20 | $3,024 |
| 30 | $1,370 |
| 40 | $1,316 |
| 50 | $1,202 |
| 60 | $1,178 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,648 |
| $250 | $1,494 |
| $500 | $1,316 |
| $1,000 | $1,142 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,316 |
| 50/100 | $1,448 |
| 100/300 | $1,547 |
| 250/500 | $1,806 |
| 100 CSL | $1,487 |
| 300 CSL | $1,706 |
| 500 CSL | $1,866 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,012 |
| 20 | $4,806 |
| 30 | $2,894 |
| 40 | $2,836 |
| 50 | $2,706 |
| 60 | $2,682 |
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 | $68 |
| Homeowner | $20 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $59 |
| Advance Quote | $64 |
| Online Quote | $93 |
| Total Discounts | $551 |
Discounts are estimated and may not be available from every company or in every state.
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