Best Toyota Tacoma Car Insurance Quotes (2024)

You may be wondering how much is a Toyota Tacoma car insurance policy going to cost you. Toyota Tacoma car insurance rates are about $181 less per year than the average vehicle in the U.S.

Full coverage car insurance averages around $1,338 a year, or $112 a month, but older Tacomas may get away with liability coverage only, which averages about $536 a year, or $45 a month.

Good drivers can save up to $552 a year for remaining claim-free. Let’s look at Toyota Tacoma car insurance rates, crash test ratings, and the best insurance companies.

Of course, your rates may vary based on a number of factors like whether you have a new or used Toyota Tacoma, where you live, and how much you drive, among other things.

Find affordable Toyota Tacoma auto insurance rates on a current policy in your area. Enter your ZIP code to get started with more than one accurate quote for standard car insurance.

How much does Toyota Tacoma car insurance cost?

The average Toyota Tacoma estimated car insurance costs are $1,338 a year or $112 a month. You can find the best Toyota pickup car insurance rates by shopping online.

In the chart above you can see how different factors may affect your auto insurance rates.

Are Toyota Tacomas expensive to insure?

The chart below details how Toyota Tacoma average car insurance premiums compare to other trucks like the Chevrolet Silverado, Chevrolet Colorado, and Dodge Ram.

However, there are a few things you can do to find the cheapest Toyota insurance rates online.

What types of factor impacts the average cost of Toyota Tacoma car insurance?

Even though the average annual rate for the Toyota Tacoma is $1,338, your policy can be higher or lower depending upon your demographic. Take a look below at more than one factor, including your age, home address, driving history, and the model year of your Toyota Tacoma.

What is the average cost by the age of the vehicle?

Older Toyota Tacoma models generally cost less to insure. For example, 2020 Toyota Tacoma insurance rates are $1,338, while 2013 Toyota Tacoma insurance rates are $1,220, a difference of $118. Because it’s new, the 2020 Tacoma insurance rates will be higher.

You can see how 2019 Toyota Tacoma auto insurance rates are much higher than older models.

How is Driver Age Factored?

Driver age can have a significant impact on your car insurance rates. For instance, a 30-year-old driver may pay $59 more each year for Toyota Tacoma car insurance than a 40-year-old driver.

Most states also often judge you base on gender, and female drivers can end up paying a great deal more than their male counterparts— or vice versa in some instances.

Because they are considered high-risk drivers by the largest insurers, teen rates are much higher than average.

What About Driver Location?

Where you live can have a large impact on your insurance rates.

For example, drivers in Phoenix may pay $736 a year less than drivers in Los Angeles.

How Important is Your Driving Record?

Your clean driving record can have an impact on the cost of your car insurance policies as well.

Teens and drivers in their 20s see the highest jump in their Toyota Tacoma car insurance with violations or an at-fault accident or at-fault unexpected event on their driving record.

What are Toyota Tacoma Safety Ratings?

The Toyota Tacoma’s safety ratings will affect your Toyota Tacoma car insurance rates. See the chart below:

Toyota Tacoma Safety Ratings

Source: Insurance Institute for Highway Safety

The IIHS performs safety tests on vehicles. The Toyota Tacoma performed pretty well in these safety tests.

In this passenger-side small overlap test, the Toyota Tacoma scored an Acceptable rating.

What are Toyota Tacoma Crash Test Ratings?

Good Toyota Tacoma crash test ratings mean the VW is safer, which could mean cheaper Toyota Tacoma car insurance rates.

What are Toyota Tacoma Safety Features?

Having a variety of safety features on your Toyota Tacoma can help lower your insurance costs. According to U.S. News, the 2020 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

What is Toyota Tacoma Car Insurance Loss Probability?

The Toyota Tacoma’s insurance loss probability varies for each form of coverage.

Does financing a Toyota Tacoma affect car insurance costs?

If you are financing a Toyota Tacoma, most lenders will require you to carry higher Toyota Tacoma coverage options including comprehensive coverage, so be sure to shop around and compare Toyota Tacoma car insurance quotes from the best companies using our free tool below.

Are there ways to save on Toyota Tacoma car insurance?

If you want to reduce the cost of your Toyota Tacoma insurance rates, follow these tips below:

• Tell your insurer about different drivers who use your Toyota Tacoma
• Install an aftermarket anti-theft device for your Toyota Tacoma
• Ask about mature driver discounts for drivers over 50
• Tell your insurer how you use your Toyota Tacoma
• Ask for a Toyota Tacoma discount if you have a college degree or higher

What are the top Toyota Tacoma car insurance companies?

Who is the top largest major insurance company for Toyota Tacoma insurance rates? While the actual rates you pay will depend on many factors, here are some of the top auto insurance companies offering Toyota Tacoma car insurance coverage (ordered by market share).

Many of these companies offer discounts for security systems and other safety features that the Toyota Tacoma offers.

Can I compare free Toyota Tacoma auto insurance quotes online?

It pays to shop around before you buy your Toyota Tacoma car insurance.

Compare affordable Toyota Tacoma car insurance rates in your area now, and buy cheap Toyota Tacoma car insurance. Enter your ZIP code below to get started.