Toyota Tacoma 2WD Insurance Rates
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Average auto insurance rates for a Toyota Tacoma 2WD are $1,300 annually for full coverage. Comprehensive insurance costs on average $270 each year, collision insurance costs $508, and liability costs around $364. Buying just liability costs as low as $430 a year, and insurance for high-risk drivers costs $2,812 or more. Teenage drivers receive the highest rates at up to $4,864 a year.
Annual premium for full coverage: $1,300
Rate estimates by individual coverage:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Insurance for this Toyota Tacoma Trim Level
For an average driver, prices range from as cheap as $430 for just liability coverage to a high rate of $2,812 for a driver required to buy high-risk insurance.
These differences show why all drivers should compare prices based on a specific location and their own personal driving habits, instead of using average rates.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap Toyota Tacoma 2WD Insurance
Auto insurance rates for a Toyota Tacoma 2WD can also vary considerably based on the model year of your Tacoma, your driver profile, and policy deductibles and limits.
More mature drivers with a good driving record and high physical damage deductibles may pay as little as $1,200 a year for full coverage. Prices are much higher for teen drivers, where even without any violations or accidents they will have to pay upwards of $4,800 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 in extra premium per year, depending on your age. Insurance for high-risk drivers can be as much as 43% to 129% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut prices by as much as $530 every year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $327 extra every year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Toyota Tacoma 2WD insurance prices. A driver around age 40 might see prices as low as $900 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.
With so much variability in prices, the only way to know exactly what you will pay is to do a rate comparison and see which company has the best price. Each insurance company uses a different method to calculate prices, and quoted rates can be significantly different between companies.
Chart shows Toyota Tacoma 2WD insurance prices for various situations. The best price after discounts is $751. Drivers who use higher $1,000 deductibles will pay about $1,124. The average price for a 40-year-old male driver using $500 deductibles is $1,300. Using lower $100 deductibles for comprehensive and collision insurance could cost up to $1,646. Drivers with multiple violations and accidents could be charged as much as $2,812. The policy rate for full coverage for a teen driver can be as high as $4,864.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,176 | -$124 | -9.5% |
Alaska | $998 | -$302 | -23.2% |
Arizona | $1,080 | -$220 | -16.9% |
Arkansas | $1,300 | -$0 | 0.0% |
California | $1,482 | $182 | 14.0% |
Colorado | $1,244 | -$56 | -4.3% |
Connecticut | $1,338 | $38 | 2.9% |
Delaware | $1,472 | $172 | 13.2% |
Florida | $1,628 | $328 | 25.2% |
Georgia | $1,202 | -$98 | -7.5% |
Hawaii | $934 | -$366 | -28.2% |
Idaho | $880 | -$420 | -32.3% |
Illinois | $968 | -$332 | -25.5% |
Indiana | $980 | -$320 | -24.6% |
Iowa | $880 | -$420 | -32.3% |
Kansas | $1,238 | -$62 | -4.8% |
Kentucky | $1,776 | $476 | 36.6% |
Louisiana | $1,926 | $626 | 48.2% |
Maine | $804 | -$496 | -38.2% |
Maryland | $1,074 | -$226 | -17.4% |
Massachusetts | $1,040 | -$260 | -20.0% |
Michigan | $2,260 | $960 | 73.8% |
Minnesota | $1,088 | -$212 | -16.3% |
Mississippi | $1,558 | $258 | 19.8% |
Missouri | $1,154 | -$146 | -11.2% |
Montana | $1,398 | $98 | 7.5% |
Nebraska | $1,026 | -$274 | -21.1% |
Nevada | $1,560 | $260 | 20.0% |
New Hampshire | $938 | -$362 | -27.8% |
New Jersey | $1,454 | $154 | 11.8% |
New Mexico | $1,152 | -$148 | -11.4% |
New York | $1,372 | $72 | 5.5% |
North Carolina | $750 | -$550 | -42.3% |
North Dakota | $1,066 | -$234 | -18.0% |
Ohio | $896 | -$404 | -31.1% |
Oklahoma | $1,338 | $38 | 2.9% |
Oregon | $1,192 | -$108 | -8.3% |
Pennsylvania | $1,240 | -$60 | -4.6% |
Rhode Island | $1,736 | $436 | 33.5% |
South Carolina | $1,180 | -$120 | -9.2% |
South Dakota | $1,096 | -$204 | -15.7% |
Tennessee | $1,140 | -$160 | -12.3% |
Texas | $1,568 | $268 | 20.6% |
Utah | $964 | -$336 | -25.8% |
Vermont | $892 | -$408 | -31.4% |
Virginia | $778 | -$522 | -40.2% |
Washington | $1,006 | -$294 | -22.6% |
West Virginia | $1,192 | -$108 | -8.3% |
Wisconsin | $902 | -$398 | -30.6% |
Wyoming | $1,160 | -$140 | -10.8% |
Rate Tables and Charts
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Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $4,864 |
20 | $3,010 |
30 | $1,356 |
40 | $1,300 |
50 | $1,188 |
60 | $1,166 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,646 |
$250 | $1,486 |
$500 | $1,300 |
$1,000 | $1,124 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,300 |
50/100 | $1,373 |
100/300 | $1,464 |
250/500 | $1,700 |
100 CSL | $1,409 |
300 CSL | $1,609 |
500 CSL | $1,755 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $6,930 |
20 | $4,784 |
30 | $2,874 |
40 | $2,812 |
50 | $2,686 |
60 | $2,662 |
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 | $67 |
Homeowner | $19 |
5-yr Accident Free | $96 |
5-yr Claim Free | $83 |
Paid in Full/EFT | $60 |
Advance Quote | $64 |
Online Quote | $91 |
Total Discounts | $549 |
Discounts are estimated and may not be available from every company or in every state.
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