Toyota Tacoma Insurance Rates
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UPDATED: Jun 5, 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.
The average auto insurance rates for a Toyota Tacoma are $1,324 annually including full coverage. Comprehensive costs on average $294, collision costs $482, and liability is $390. Liability-only coverage costs around $452 a year, with high-risk coverage costing around $2,844. Teen drivers cost the most to insure at $4,916 a year or more.
Average premium for full coverage: $1,324
Policy rates by type of insurance:
Rates are based on $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Tacoma trim levels.
Price Range Variability
For a 40-year-old driver, Toyota Tacoma insurance rates go from as cheap as $452 for liability-only coverage to a much higher rate of $2,844 for high-risk insurance.
Urban vs. Rural Price Range
Choosing to live in a large city can have significant affects on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than larger metro areas.
The price range example below illustrates how your location can change car insurance rates.
The examples above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and their own personal driving habits, instead of using 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 breaks down estimated Toyota Tacoma insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $772
- Raising to $1,000 deductibles will save around $176 every year
- The estimated rate for a good driver age 40 with $500 deductibles is $1,324
- Choosing more expensive low deductibles will cost $1,662
- At-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,844 or more
- Policy cost with full coverage for a teen driver with full coverage may cost $4,916
Insurance rates for a Toyota Tacoma also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.
An older driver with no violations or accidents and high physical damage deductibles may pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay upwards of $4,900 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,600 to $2,100 additional every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 43% to 135% more than average. View High Risk Driver Rates
Choosing high deductibles can reduce rates by up to $520 every year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit
Your home state also has a big influence on Toyota Tacoma insurance prices. A middle-age driver might find rates as low as $1,010 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,890 on average in Michigan, New York, and Louisiana.
| 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% |
Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates and see which company has the best rate. Every auto insurance company uses a different rate calculation, and rates will be varied 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 the Best Cheap Toyota Tacoma Insurance
Finding cheaper rates on car insurance consists of having a good driving record, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest the time to shop around every couple of years by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a quick review of the material that was illustrated above.
- Policyholders who require increased levels of liability coverage will pay about $430 per year to raise from a 30/60 limit to higher 250/500 limits
- Drivers age 20 and younger pay higher rates, with premiums being up to $410 each month if they have full coverage
- Higher risk drivers with a DUI or reckless driving violation pay on average $1,520 more each year to buy Toyota Tacoma insurance
- Increasing comprehensive and collision 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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