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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.
Table of Contents
The average Toyota Tacoma auto insurance rates are $1,338 a year or $112 a month.
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.
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.
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 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.
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 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.
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 | |
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 | ||||
|---|---|---|---|---|
The numerous safety features of the Toyota Tacoma help contribute to lower insurance rates. The 2020 Toyota Tacoma has the following safety features:
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 | |
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.
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.
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 | |||
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.
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