Online Toyota Tacoma Insurance Rates [Rates + Comparison Guide]

If you want to buy Toyota Tacoma insurance coverage then a policy will cost $112 per month ($1,338 per year) on average. On average, comprehensive coverage costs $326, collision coverage costs $476, and liability coverage costs $378 for Toyota Tacoma insurance.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jan 27, 2021

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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 car insurance rates amount to $1,338 a year, or around $112 a month on average. Good drivers can save up to $552 for Toyota Tacoma rates by qualifying for certain policy discounts.

To learn everything you need to know about Toyota Tacoma insurance rates, let this helpful article guide you.

You can start comparing quotes for Toyota Tacoma car insurance rates from some of the best car insurance companies by using our free online tool now.

Toyota Tacoma Insurance Cost

The average Toyota Tacoma car insurance costs 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 GMC Sierra 3500HD, Nissan Frontier, and GMC Canyon.

Vehicle Comprehensive Collision Liability Total
Toyota Tacoma $308 $500 $372 $1,338
GMC Sierra 3500HD $376 $656 $420 $1,632
Nissan Frontier $294 $500 $420 $1,394
GMC Canyon $270 $478 $398 $1,304
Ford Ranger $254 $470 $372 $1,254
GMC Sierra $336 $594 $372 $1,460
Toyota Tundra $320 $512 $440 $1,452
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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?

The Toyota Tacoma trim and model you choose will affect the total price you will pay for Toyota Tacoma insurance coverage.

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 cost $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
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Driver Age

Driver age can have a significant effect on the cost of Toyota Tacoma car insurance. For example, a 20-year-old driver could pay around $136 more each month for their Toyota Tacoma car insurance than 30-year-old driver.

Driver Location

Where you live can have a large impact on Toyota Tacoma insurance rates. For example, drivers in New York may pay $348 a year more than drivers in Chicago.

Your Driving Record

Your driving record can have an impact on your Toyota Tacoma auto insurance rates. Teens and drivers in their 20’s see the highest jump in their Toyota Tacoma car insurance with violations on their driving record.

Toyota Tacoma Safety Ratings

The Toyota Tacoma’s safety ratings will affect your Toyota Tacoma car 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
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Toyota Tacoma Crash Test Ratings

If the Toyota Tacoma crash test ratings are good, you could have lower Toyota Tacoma car insurance rates. See Toyota Tacoma crash test results below:

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
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Toyota Tacoma Safety Features

The more safety features you have on your Toyota Tacoma, the more likely it is that you can earn a discount. The Toyota Tacoma’s safety features include:

  • 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

Review the Toyota Tacoma car insurance loss probability rates for collision, property damage, comprehensive, PIP, MedPay, and bodily injury. The lower percentage means lower Toyota Tacoma auto insurance costs; higher percentages mean higher Toyota Tacoma auto insurance costs.

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
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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 quotes from the best auto insurance companies using our FREE tool below.

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Ways to Save on Toyota Tacoma Insurance

You have more options at your disposal to save money on your Toyota Tacoma car insurance costs. For example, try these five tips:

  • Add a More Experienced Driver to Your Toyota Tacoma Policy
  • Wait Six Years for Accidents to Disappear from Your Record
  • Provide Your Toyota Tacoma VIN When Requesting Toyota Tacoma Auto Insurance Quotes
  • Reduce Your Coverage on an Older Toyota Tacoma
  • Ask About Welcome Discounts

Top Toyota Tacoma Insurance Companies

The best auto insurance companies for Toyota Tacoma car insurance rates will offer competitive rates, discounts, and account for the Toyota Tacoma’s safety features. The following list of car insurance companies outlines which companies hold the highest 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
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Compare Free Toyota Tacoma Insurance Quotes Online

You can start comparing quotes for Toyota Tacoma car insurance rates from some of the best car insurance companies by using our free online tool now.

While the average cost of auto insurance in America is $880, the amount you will actually have to pay for your Toyota Tacoma  will depend on many different factors.

Your personal driving habits, the cost of your vehicle, and where you live are important aspects that every insurance company weighs differently in calculating your insurance rate.

The great number of variables between providers is why it is very important for you to compare quotes from as many companies as possible.

While you won’t know what your cost of insurance will be until you get some quotes, there are a few general factors you can consider to get a basic idea.

Read on to learn all about the various factors that affect the cost of auto insurance and then enter your ZIP in the box above for a free Toyota Tacoma car insurance quote comparison!

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What are some safety features of the Toyota Tacoma?

  1. Four-Wheel Anti-Lock Brakes
  2. Energy Management Feature (lower impact in a collision)
  3. Tire Pressure Monitor
  4. Advanced Airbags (front, side, head)
  5. Adjustable Seat Belts
  6. Electronic Stability Control
  7. Child Seat Lower Anchoring

In government crash tests, the Tacoma scored a perfect five-star rating for frontal impact collisions for both the driver and passenger.

Side impact crash tests also scored four stars for all interior occupants. Rollover tests showed the vehicle was slightly behind the others in its class, garnering a score of four out of five stars.

Fortunately, the plethora of safety features available makes Toyota Tacoma insurance costs very reasonable through many of the different insurance providers. Stability control is viewed very favorably since it helps to reduce the possible of a severe crash drastically.

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It will be important for you to remember all of these safety features when getting quotes. Omitting any of these factors could mean that you aren’t getting the discounts that you actually qualify for.

Something like tire pressure monitors may not seem very important, but they really do help keep you safe going down the road, and insurance companies know that.

What Determines Auto Insurance Rates for the Toyota Tacoma?

The overall cost of your vehicle will be an important consideration.

That means that more loaded vehicle you have with expensive features like four-wheel drive, the more you are likely to pay for insuring the vehicle.

While factors like that are out of your control, there are some things you can do to help get a lower quote. Being a safe driver is probably the most important factor in keeping your auto insurance affordable.

Does your driving record impact your car insurance rates?

Being in a crash recently can greatly increase the rate you get for your Toyota Tacoma car insurance. Having no accidents, or at least no recent ones, can get you large discounts right from the start.

Moving traffic violations like speeding tickets, and failure to stop at a stop sign can also raise the rate you will pay. Insurance providers know that the person who continually gets tickets is a higher risk than the person who has none.

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Toyota Tacoma Auto Insurance Depends Upon Where You Live, As Well

If you live in a large urban area you more than likely will be quoted a higher rate. That rate could be lowered though if you don’t drive very often, or only go a few miles at a time.

How do I compare Toyota Tacoma car insurance rates?

Enter your ZIP code below to start comparing free Toyota Tacoma auto insurance quotes online now!

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