Toyota Tacoma Double Cab TRD Off-Road Package 4WD Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Average insurance rates for a Toyota Tacoma Double Cab TRD Off-Road Package 4WD are $1,402 a year for full coverage insurance. Comprehensive insurance costs approximately $340, collision insurance costs $540, and liability insurance costs around $364. Only liability insurance costs as low as $430 a year, and high-risk insurance costs $3,004 or more. Teen drivers receive the highest rates at up to $5,092 a year.
Annual premium for full coverage: $1,402
Rate estimates by type of insurance:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Insurance for this Toyota Tacoma Trim Level
For the normal driver, prices range from as low as $430 for a discount liability-only rate to a much higher rate of $3,004 for a driver who requires high-risk insurance.
These differences illustrate why anyone shopping for car insurance should compare prices using their specific location and risk profile, rather than relying on price averages.
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.
Cheapest Toyota Tacoma Double Cab TRD Off-Road Package 4WD Insurance Rates
Insurance rates for a Toyota Tacoma Double Cab TRD Off-Road Package 4WD can also vary considerably based on your driver profile, the model year, and physical damage deductibles and liability limits.
An older driver with a clean driving record and high deductibles could pay as little as $1,300 a year for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay in the ballpark of $5,000 a year. View Rates by Age
Where you live has a huge impact on Toyota Tacoma Double Cab TRD Off-Road Package 4WD insurance rates. A driver around age 40 might see rates as low as $1,180 a year in states like , , and North Carolina, or as much as $1,800 on average in California, Montana, and Michigan. Rates by state and city are shown later in the article.
Choosing high deductibles could cut rates by as much as $590 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will cost as much as $327 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying anywhere from $1,600 to $2,200 extra per year, depending on your age. High-risk driver insurance can be anywhere from 43% to 128% more than average. View High Risk Driver Rates
With so much variability in rates, the only way to figure out which company is cheapest is to compare rates from as many companies as possible. Each insurance company uses a different rate calculation, so the rates can be significantly different from one company to the next.
The chart estimates Toyota Tacoma Double Cab TRD Off-Road Package 4WD insurance rates for various risk profiles and scenarios. The lowest rate with discounts is $814. Drivers who choose higher $1,000 deductibles will pay around $1,202. The average rate for a middle-aged driver with a clean driving record using $500 deductibles is $1,402. Using more expensive $100 deductibles for physical damage coverage could cost up to $1,788. High risk drivers could be charged as much as $3,004. The price for full coverage for a teenager can be as high as $5,092.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,268 | -$134 | -9.6% |
Alaska | $1,076 | -$326 | -23.3% |
Arizona | $1,164 | -$238 | -17.0% |
Arkansas | $1,402 | -$0 | 0.0% |
California | $1,598 | $196 | 14.0% |
Colorado | $1,342 | -$60 | -4.3% |
Connecticut | $1,442 | $40 | 2.9% |
Delaware | $1,588 | $186 | 13.3% |
Florida | $1,754 | $352 | 25.1% |
Georgia | $1,294 | -$108 | -7.7% |
Hawaii | $1,008 | -$394 | -28.1% |
Idaho | $948 | -$454 | -32.4% |
Illinois | $1,044 | -$358 | -25.5% |
Indiana | $1,056 | -$346 | -24.7% |
Iowa | $946 | -$456 | -32.5% |
Kansas | $1,334 | -$68 | -4.9% |
Kentucky | $1,912 | $510 | 36.4% |
Louisiana | $2,076 | $674 | 48.1% |
Maine | $866 | -$536 | -38.2% |
Maryland | $1,156 | -$246 | -17.5% |
Massachusetts | $1,122 | -$280 | -20.0% |
Michigan | $2,438 | $1,036 | 73.9% |
Minnesota | $1,174 | -$228 | -16.3% |
Mississippi | $1,680 | $278 | 19.8% |
Missouri | $1,244 | -$158 | -11.3% |
Montana | $1,506 | $104 | 7.4% |
Nebraska | $1,106 | -$296 | -21.1% |
Nevada | $1,682 | $280 | 20.0% |
New Hampshire | $1,012 | -$390 | -27.8% |
New Jersey | $1,568 | $166 | 11.8% |
New Mexico | $1,242 | -$160 | -11.4% |
New York | $1,476 | $74 | 5.3% |
North Carolina | $808 | -$594 | -42.4% |
North Dakota | $1,148 | -$254 | -18.1% |
Ohio | $966 | -$436 | -31.1% |
Oklahoma | $1,442 | $40 | 2.9% |
Oregon | $1,284 | -$118 | -8.4% |
Pennsylvania | $1,336 | -$66 | -4.7% |
Rhode Island | $1,870 | $468 | 33.4% |
South Carolina | $1,270 | -$132 | -9.4% |
South Dakota | $1,184 | -$218 | -15.5% |
Tennessee | $1,228 | -$174 | -12.4% |
Texas | $1,690 | $288 | 20.5% |
Utah | $1,040 | -$362 | -25.8% |
Vermont | $958 | -$444 | -31.7% |
Virginia | $840 | -$562 | -40.1% |
Washington | $1,082 | -$320 | -22.8% |
West Virginia | $1,286 | -$116 | -8.3% |
Wisconsin | $972 | -$430 | -30.7% |
Wyoming | $1,250 | -$152 | -10.8% |
Rate Tables and Charts
Not your model?
Choose a different trim level below
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,092 |
20 | $3,196 |
30 | $1,466 |
40 | $1,402 |
50 | $1,276 |
60 | $1,250 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,788 |
$250 | $1,610 |
$500 | $1,402 |
$1,000 | $1,202 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,402 |
50/100 | $1,475 |
100/300 | $1,566 |
250/500 | $1,802 |
100 CSL | $1,511 |
300 CSL | $1,711 |
500 CSL | $1,857 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,268 |
20 | $5,070 |
30 | $3,078 |
40 | $3,004 |
50 | $2,864 |
60 | $2,834 |
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 | $75 |
Multi-vehicle | $70 |
Homeowner | $20 |
5-yr Accident Free | $102 |
5-yr Claim Free | $89 |
Paid in Full/EFT | $64 |
Advance Quote | $68 |
Online Quote | $100 |
Total Discounts | $588 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area