Toyota Tacoma Insurance Rates
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UPDATED: Apr 28, 2024
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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 $1,324 annually for full coverage. Comprehensive costs around $294 each year, collision costs $482, and liability costs $390. A policy with only liability insurance costs as little as $452 a year, with a high-risk policy costing around $2,844. Teen drivers pay the most at $4,916 a year or more.
Average premium for full coverage: $1,324
Premium estimates for type of coverage:
Prices are based on $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all states and Tacoma models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Toyota Tacoma go from as cheap as $452 for liability-only coverage to a high rate of $2,844 for high-risk insurance.
Insurance Price Range by Location
Your location can make a big difference on auto insurance rates. Areas with sparse population are statistically proven to have fewer accident claims than larger metro areas.
The graphic below illustrates the difference location can make on auto insurance rates.
These rate differences show why all drivers should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on price 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.
Additional Charts and Tables
The chart below shows estimated Toyota Tacoma insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $772
- Drivers who choose higher $1,000 deductibles will pay about $176 a year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,324
- Choosing low deductibles for comprehensive and collision insurance will cost $1,662
- Drivers with multiple violations and an at-fault accident could pay at least $2,844 or more
- An auto insurance policy with full coverage for a 16-year-old driver can be $4,916 a year
Car insurance prices for a Toyota Tacoma also have a wide range based on the model of your Tacoma, your driver profile, and deductibles and policy limits.
More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 per year on average, 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 could be paying at least $1,600 to $2,100 extra annually, depending on your age. Insurance for high-risk drivers can cost from 43% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $520 annually, whereas increasing liability limits will increase prices. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $351 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live makes a big difference in Toyota Tacoma insurance prices. A 40-year-old driver could pay as low as $870 a year in states like Idaho, Maine, and Iowa, or as much as $1,890 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,196 | -$128 | -9.7% |
| Alaska | $1,014 | -$310 | -23.4% |
| Arizona | $1,100 | -$224 | -16.9% |
| Arkansas | $1,324 | -$0 | 0.0% |
| California | $1,506 | $182 | 13.7% |
| Colorado | $1,264 | -$60 | -4.5% |
| Connecticut | $1,360 | $36 | 2.7% |
| Delaware | $1,498 | $174 | 13.1% |
| Florida | $1,656 | $332 | 25.1% |
| Georgia | $1,222 | -$102 | -7.7% |
| Hawaii | $950 | -$374 | -28.2% |
| Idaho | $894 | -$430 | -32.5% |
| Illinois | $984 | -$340 | -25.7% |
| Indiana | $996 | -$328 | -24.8% |
| Iowa | $892 | -$432 | -32.6% |
| Kansas | $1,256 | -$68 | -5.1% |
| Kentucky | $1,804 | $480 | 36.3% |
| Louisiana | $1,958 | $634 | 47.9% |
| Maine | $816 | -$508 | -38.4% |
| Maryland | $1,090 | -$234 | -17.7% |
| Massachusetts | $1,058 | -$266 | -20.1% |
| Michigan | $2,300 | $976 | 73.7% |
| Minnesota | $1,106 | -$218 | -16.5% |
| Mississippi | $1,584 | $260 | 19.6% |
| Missouri | $1,174 | -$150 | -11.3% |
| Montana | $1,422 | $98 | 7.4% |
| Nebraska | $1,046 | -$278 | -21.0% |
| Nevada | $1,586 | $262 | 19.8% |
| New Hampshire | $952 | -$372 | -28.1% |
| New Jersey | $1,480 | $156 | 11.8% |
| New Mexico | $1,172 | -$152 | -11.5% |
| New York | $1,394 | $70 | 5.3% |
| North Carolina | $760 | -$564 | -42.6% |
| North Dakota | $1,084 | -$240 | -18.1% |
| Ohio | $914 | -$410 | -31.0% |
| Oklahoma | $1,360 | $36 | 2.7% |
| Oregon | $1,212 | -$112 | -8.5% |
| Pennsylvania | $1,262 | -$62 | -4.7% |
| Rhode Island | $1,766 | $442 | 33.4% |
| South Carolina | $1,200 | -$124 | -9.4% |
| South Dakota | $1,116 | -$208 | -15.7% |
| Tennessee | $1,160 | -$164 | -12.4% |
| Texas | $1,596 | $272 | 20.5% |
| Utah | $980 | -$344 | -26.0% |
| Vermont | $904 | -$420 | -31.7% |
| Virginia | $792 | -$532 | -40.2% |
| Washington | $1,022 | -$302 | -22.8% |
| West Virginia | $1,214 | -$110 | -8.3% |
| Wisconsin | $916 | -$408 | -30.8% |
| Wyoming | $1,180 | -$144 | -10.9% |
With such a large range in prices, the only way to know your exact price is to do a rate comparison from multiple companies. Every company uses a different rate calculation, 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 | $1,284 | $107 |
| Toyota Tacoma 4WD | $1,250 | $104 |
| Toyota Tacoma Double Cab 4WD | $1,294 | $108 |
| Toyota Tacoma X-Runner 2WD | $1,412 | $118 |
| Toyota Tacoma Double Cab 4WD | $1,336 | $111 |
| Toyota Tacoma Double Cab TRD Off-Road Package 4WD | $1,380 | $115 |
| Toyota Tacoma Double Cab TRD Sport Package 4WD | $1,380 | $115 |
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 | $308 | $500 | $372 | $1,338 |
| 2023 Toyota Tacoma | $294 | $482 | $390 | $1,324 |
| 2022 Toyota Tacoma | $282 | $478 | $398 | $1,316 |
| 2021 Toyota Tacoma | $272 | $466 | $416 | $1,312 |
| 2020 Toyota Tacoma | $262 | $446 | $430 | $1,296 |
| 2019 Toyota Tacoma | $248 | $430 | $442 | $1,278 |
| 2018 Toyota Tacoma | $238 | $400 | $452 | $1,248 |
| 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 Affordable Toyota Tacoma Insurance
Finding better rates on insurance for a Toyota Tacoma not only requires having a good driving record, but also having a good credit score, not filing small claims, and qualifying for all possible discounts. Make time to compare rates every couple of years by obtaining price quotes from direct carriers, and also from local independent and exclusive agents.
The next list is a brief review of the material that was touched on in this article.
- Insureds who may need increased levels of liability coverage will pay about $430 each year to go from 30/60 bodily injury limits to higher 250/500 limits
- Drivers age 20 and younger are the costliest to insure, as much as $410 per month if comprehensive and collision insurance is included
- Drivers considered higher risk with DUI or reckless driving convictions pay an average of $1,520 more every year to buy Toyota Tacoma insurance
- Increasing policy deductibles could save up to $525 each year
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 | $4,916 |
| 20 | $3,030 |
| 30 | $1,376 |
| 40 | $1,324 |
| 50 | $1,208 |
| 60 | $1,182 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,662 |
| $250 | $1,506 |
| $500 | $1,324 |
| $1,000 | $1,148 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,324 |
| 50/100 | $1,458 |
| 100/300 | $1,556 |
| 250/500 | $1,809 |
| 100 CSL | $1,497 |
| 300 CSL | $1,712 |
| 500 CSL | $1,868 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,002 |
| 20 | $4,816 |
| 30 | $2,904 |
| 40 | $2,844 |
| 50 | $2,712 |
| 60 | $2,688 |
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 | $70 |
| Multi-vehicle | $68 |
| Homeowner | $19 |
| 5-yr Accident Free | $95 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $59 |
| Advance Quote | $64 |
| Online Quote | $93 |
| Total Discounts | $552 |
Discounts are estimated and may not be available from every company or in every state.
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