Toyota Tacoma Auto Insurance (2024)
Toyota Tacoma insurance rates cost $112 per month ($1,338 per year) on average. You can find cheap Toyota Tacoma insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $786 a year.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Aug 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Aug 8, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
Key takeaways:
- Full coverage costs around $1,338 a year or $112 each month
- A liability-only policy costs around $536 a year or $45 each month
- Highest rates are for teenage drivers at around $4,890 a year or $408 each month
- Good drivers can save as much as $552 a year by earning policy discounts
- Toyota Tacoma insurance costs around $181 less per year than the average vehicle
Toyota Tacoma insurance rates are $112 per month for full coverage and $45 for liability-only coverage. You can save $552 per year on Toyota Tacoma insurance rates through policy discounts. Continue reading to learn more.
You can start comparing quotes for Toyota Tacoma auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Toyota Tacoma Insurance Cost
The average Toyota Tacoma auto insurance rates are $1,338 a year or $112 a month.
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Are Toyota Tacomas Expensive to Insure?
The chart below details how Toyota Tacoma insurance rates compare to other trucks like the Nissan Frontier, Chevrolet Colorado, and GMC Sierra 3500HD.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Toyota Tacoma | $308 | $500 | $372 | $1,338 |
| Nissan Frontier | $294 | $500 | $420 | $1,394 |
| Chevrolet Colorado | $254 | $438 | $372 | $1,222 |
| GMC Sierra 3500HD | $376 | $656 | $420 | $1,632 |
| GMC Sierra | $336 | $594 | $372 | $1,460 |
| Ford Ranger | $254 | $470 | $372 | $1,254 |
| Ford F-150 | $322 | $470 | $372 | $1,322 |
However, there are a few things you can do to find the cheapest Toyota insurance rates online.
What Impacts the Cost of Toyota Tacoma Insurance?
Even though the average annual rate for the Toyota Tacoma is $1,338, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Toyota Tacoma.
Age of the Vehicle
The average Toyota Tacoma auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Toyota Tacoma are $1,338, while 2010 Toyota Tacoma rates are $1,112, a difference of $226.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Toyota Tacoma | $308 | $500 | $372 | $1,338 |
| 2019 Toyota Tacoma | $294 | $482 | $390 | $1,324 |
| 2018 Toyota Tacoma | $282 | $478 | $398 | $1,316 |
| 2017 Toyota Tacoma | $272 | $466 | $416 | $1,312 |
| 2016 Toyota Tacoma | $262 | $446 | $430 | $1,296 |
| 2015 Toyota Tacoma | $248 | $430 | $442 | $1,278 |
| 2014 Toyota Tacoma | $238 | $400 | $452 | $1,248 |
| 2013 Toyota Tacoma | $230 | $376 | $456 | $1,220 |
| 2012 Toyota Tacoma | $220 | $338 | $460 | $1,176 |
| 2011 Toyota Tacoma | $206 | $310 | $460 | $1,134 |
| 2010 Toyota Tacoma | $198 | $292 | $464 | $1,112 |
Driver Age
Driver age can have a significant effect on Toyota Tacoma auto insurance rates. For example, 20-year-old drivers pay $1,636 more for their Toyota Tacoma auto insurance each year than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Toyota Tacoma insurance rates. For example, drivers in New York may pay $816 a year more than drivers in Seattle.
Your Driving Record
Your driving record can have an impact on the cost of Toyota Tacoma auto insurance. Teens and drivers in their 20’s see the highest jump in their Toyota Tacoma auto insurance with violations on their driving record.
Toyota Tacoma Safety Ratings
The Toyota Tacoma’s safety ratings will affect your Toyota Tacoma auto insurance rates. See the chart below:
| Test Type | Rating |
| Small overlap front: driver-side | Good |
|---|---|
| Small overlap front: passenger-side | Acceptable |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
Toyota Tacoma Crash Test Ratings
Poor Toyota Tacoma crash test ratings could mean higher Toyota Tacoma auto insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2019 Toyota Tacoma PU/EC 4WD | N/R | N/R | N/R | 4 stars |
| 2019 Toyota Tacoma PU/EC 2WD | N/R | N/R | N/R | 4 stars |
| 2019 Toyota Tacoma PU/CC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2019 Toyota Tacoma PU/CC 2WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Tacoma PU/EC 4WD | N/R | N/R | N/R | 4 stars |
| 2018 Toyota Tacoma PU/EC 2WD | N/R | N/R | N/R | 4 stars |
| 2018 Toyota Tacoma PU/CC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2018 Toyota Tacoma PU/CC 2WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Tacoma PU/EC 4WD | N/R | N/R | N/R | 4 stars |
| 2017 Toyota Tacoma PU/EC 2WD | N/R | N/R | N/R | 4 stars |
| 2017 Toyota Tacoma PU/CC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2017 Toyota Tacoma PU/CC 2WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2016 Toyota Tacoma PU/EC 4WD | N/R | N/R | N/R | 4 stars |
| 2016 Toyota Tacoma PU/EC 2WD | N/R | N/R | N/R | 4 stars |
| 2016 Toyota Tacoma PU/CC 4WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 2016 Toyota Tacoma PU/CC 2WD | 4 stars | 4 stars | 5 stars | 4 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Toyota Tacoma Safety Features
The numerous safety features of the Toyota Tacoma help contribute to lower insurance rates. The 2020 Toyota Tacoma has the following safety features:
- Driver Air Bag
- Passenger Air Bag On/Off Switch
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- 4-Wheel ABS
- Front Disc/Rear Drum Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Front Tow Hooks
- Traction Control
- Lane Departure Warning
Toyota Tacoma Insurance Loss Probability
The lower percentage means lower Toyota Tacoma auto insurance costs; higher percentages mean higher Toyota Tacoma auto insurance costs. Compare the following Toyota Tacoma auto insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury.
| Insurance Coverage Category | Loss Rate |
| Collision | -21% |
|---|---|
| Property Damage | 9% |
| Comprehensive | -30% |
| Personal Injury | -23% |
| Medical Payment | -24% |
| Bodily Injury | -8% |
| Source: Insurance Institute for Highway Safety | |
Toyota Tacoma Finance and Insurance Cost
If you are financing a Toyota Tacoma, most lenders will require your carry higher Toyota Tacoma coverage options including comprehensive coverage, so be sure to shop around and compare Toyota Tacoma auto insurance rates from the best companies using our FREE tool below.
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Ways to Save on Toyota Tacoma Insurance
There are many ways that you can save on Toyota Tacoma auto insurance to get the best value possible. Below are five scenarios you can explore to help keep your Toyota Tacoma auto insurance rates low.
- Start Searching for New Toyota Tacoma Insurance Rates a Month Before Your Renewal
- Don’t Skimp On Toyota Tacoma Liability Coverage
- If You’re a Young Driver Living at Home, Add Yourself to Your Parents’ Plan
- Wait Six Years for Accidents to Disappear from Your Record
- Bundle Your Toyota Tacoma Auto Insurance with Home Insurance
Top Toyota Tacoma Insurance Companies
Several insurance companies offer competitive rates for the Toyota Tacoma based on factors like discounts for safety features. Take a look at these top auto insurance companies that are popular with Toyota Tacoma drivers organized by market share.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Compare Free Toyota Tacoma Insurance Quotes Online
You can start comparing quotes for Toyota Tacoma auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Frequently Asked Questions
What is the average cost of Toyota Tacoma auto insurance?
On average, Toyota Tacoma insurance rates cost $112 per month or $1,338 per year.
Can I find cheap Toyota Tacoma insurance rates?
Yes, if you are a good driver with a mature driving record, you may find rates as low as $786 per year.
How does the age of the vehicle affect insurance rates?
Newer models of Toyota Tacoma typically have higher insurance rates compared to older models. For example, a 2020 Toyota Tacoma may have insurance rates of $1,338 per year, while a 2010 Toyota Tacoma may have rates of $1,112 per year.
How can I save on Toyota Tacoma insurance?
Here are some ways to save on Toyota Tacoma insurance:
- Start searching for new insurance rates a month before your renewal.
- Don’t skimp on liability coverage.
- If you’re a young driver living at home, consider adding yourself to your parents’ plan.
- Wait for accidents to disappear from your record after six years.
- Bundle your Toyota Tacoma auto insurance with home insurance.
Do safety ratings affect Toyota Tacoma insurance rates?
Yes, the safety ratings of the Toyota Tacoma can influence insurance rates. Good safety ratings may lead to lower insurance costs.
Are Toyota Tacoma insurance rates affected by the vehicle’s trim level or engine size?
Yes, the trim level and engine size of your Toyota Tacoma can impact insurance rates. Higher-end trims or more powerful engines may result in slightly higher insurance premiums.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
Secured with SHA-256 Encryption
Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.