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.
Average insurance rates for a Toyota Tacoma are $1,324 a year with full coverage. Comprehensive insurance costs approximately $294, collision costs $482, and liability is $390. Buying just liability costs around $452 a year, with insurance for high-risk drivers costing $2,844 or more. 16-year-old drivers receive the highest rates at $4,916 a year or more.
Average premium for full coverage: $1,324
Rate estimates by individual coverage type:
Price estimates include $500 physical damage deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all Tacoma models.
Price Range by Coverage and Risk
For an average driver, prices range go from the low end price of $452 for just liability insurance to the much higher price of $2,844 for a driver required to buy high-risk insurance.
Price Range by Location
Choosing to live in a large city can make a big difference on the price of insurance. Rural locations tend to have lower incidents of collision claims than congested cities.
The example below illustrates the effect of geographic area on auto insurance prices.
These examples demonstrate why everyone should compare rates quotes using their specific location, instead of making a decision based on rate 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.
More Rate Details
The chart below details estimated Toyota Tacoma insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $772
- Raising to $1,000 deductibles will save $176 annually
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $1,324
- Buying pricier low deductibles will cost an additional $338 annually
- Drivers with multiple tickets or accidents could pay around $2,844 or more
- The cost that insures a 16-year-old driver for full coverage can cost $4,916
Auto insurance rates for a Toyota Tacoma can also vary considerably based on the model of your Tacoma, your age and driving habits, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you may be forking out anywhere from $1,600 to $2,100 in extra premium per year, depending on your age. Toyota Tacoma insurance for high-risk drivers is expensive and can cost from 43% to 135% more than the average rate. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $4,900 a year. View Rates by Age
Where you live also has a big influence on Toyota Tacoma insurance prices. A middle-age driver might find rates as low as $950 a year in states like Utah, Ohio, and New Hampshire, or at least $1,790 on average in New York, Michigan, and Florida.
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% |
Opting for high physical damage deductibles can reduce rates by up to $520 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from multiple companies. Every auto insurance company utilizes a different rate formula, and quoted rates can be significantly different.
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 Find Cheaper Toyota Tacoma Insurance
Saving money on insurance for a Toyota Tacoma consists of being a safe and courteous driver, maintaining a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Comparison shop at every policy renewal by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
Below is a condensed summary of the data covered in the above illustrations.
- Insureds who purchase higher levels of liability will pay around $430 every year to raise from a minimum limit to the 250/500 level
- You may be able to save around $160 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles can save approximately $525 each year
- Teenage drivers have the highest car insurance rates, with premiums as much as $410 per month if the policy includes full coverage
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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