Online Toyota Tacoma Insurance Rates [Comprehensive Guide]

Toyota Tacoma insurance rates cost $1,338/yr, or $112/mo on average. This is about $181 less per year than the average vehicle. A liability-only policy costs $536/yr or $45/mo. Good drivers can cost up to $552 a year on Toyota Tacoma insurance by earning discounts on their policy.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

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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 insurance rates are $181 cheaper than the average vehicle. Full coverage costs $112 per month and liability-only coverage costs $45 per month. Continue reading to learn how you can save $552 on Toyota Tacoma insurance rates.

You can start comparing quotes for Toyota Tacoma 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 GMC Sierra, GMC Sierra 3500HD, and Dodge Ram.

Vehicle Comprehensive Collision Liability Total
Toyota Tacoma $308 $500 $372 $1,338
GMC Sierra $336 $594 $372 $1,460
GMC Sierra 3500HD $376 $656 $420 $1,632
Dodge Ram $362 $562 $420 $1,524
Chevrolet Silverado $322 $562 $420 $1,484
GMC Sierra 2500HD $336 $656 $420 $1,592
Chevrolet Silverado 3500HD $404 $656 $420 $1,660
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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?

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

Older Toyota Tacoma models generally cost less to insure. For example, auto insurance for a 2020 Toyota Tacoma costs $1,338, while the 2010 Toyota Tacoma insurance costs 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 impact on the cost of Toyota Tacoma auto insurance. For example, 20-year-old drivers pay approximately $1,636 each year for their Toyota Tacoma auto insurance than 30-year-old drivers.

Driver Location

Where you live can have a large impact on Toyota Tacoma insurance rates. For example, drivers in Los Angeles may pay $736 a year more than drivers in Phoenix.

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 auto insurance with violations on their driving record.

Toyota Tacoma Safety Ratings

Your Toyota Tacoma insurance rates are tied to the safety ratings of the Toyota Tacoma. See the breakdown 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

The crash test ratings of the Toyota Tacoma can impact your Toyota Tacoma 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
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Toyota Tacoma Safety Features

The Toyota Tacoma safety features can help lower insurance costs. According to AutoBlog, 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

Toyota Tacoma’s insurance loss probability varies for each form of coverage. The lower percentage means lower Toyota Tacoma auto insurance rates; higher percentages mean higher Toyota Tacoma insurance rates.

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 insurance rates from the best companies using our FREE tool below.

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5 Ways to Save on Toyota Tacoma Insurance

Drivers can end up saving more money on their Toyota Tacoma insurance rates by employing any one of the following strategies.

  • Install an Aftermarket Anti-Theft Device for Your Toyota Tacoma
  • Bundle Your Toyota Tacoma Auto Insurance with Home Insurance
  • Buy Your Toyota Tacoma with Cash, or Get a Shorter-Term Loan
  • Ask About Toyota Tacoma Low Mileage Discounts
  • Purchase a Roadside Assistance Program for Your Toyota Tacoma

Top Toyota Tacoma Insurance Companies

Who is the best auto insurance company for Toyota Tacoma insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Toyota Tacoma auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Toyota Tacoma offers.

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

To start comparing Toyota Tacoma insurance rates for free, use our online auto insurance comparison tool.

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