Toyota Tacoma Car Insurance Rates [2021 Coverage Guide]

Toyota Tacoma car insurance rates cost, on average, $112/mo, but 2017 Toyota Tacoma insurance rates will be different than a 2019 Toyota Tacoma as older vehicles are cheaper to insure. Start comparing Toyota Tacoma car insurance quotes online so you can get the most out of your Toyota Tacoma insurance coverage without breaking the bank.

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D. Gilson is a writer and author of essays, poetry, and scholarship that explore the relationship between popular culture, literature, sexuality, and memoir. His latest book is Jesus Freak, with Will Stockton, part of Bloomsbury’s 33 1/3 Series. His other books include I Will Say This Exactly One Time and Crush. His first chapbook, Catch & Release, won the 2012 Robin Becker Prize from Seve...

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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 insuranc...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Apr 30, 2021

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The Highlights

  • Full coverage costs around $1,338 a year or $112 each month.
  • A minimum liability coverage only policy costs around $536 a year or $45 each month.
  • The 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, including a good-student discount and bundling insurance discounts.

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.

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

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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.

Average Annual Toyota Tacoma Car Insurance Rates vs. Similar Class Vehicles

Vehicle Average Annual Comprehensive Rates Average Annual Collision Rates Average Annual Liability Rates Average Annual Full Coverage Rates
Toyota Tacoma $308 $500 $372 $1,338
Chevrolet Silverado $322 $562 $420 $1,484
Chevrolet Colorado $254 $438 $372 $1,222
Dodge Ram $362 $562 $420 $1,524
GMC Sierra 2500HD $336 $656 $420 $1,592
Ford F-150 $322 $470 $372 $1,322
Nissan Frontier $294 $500 $420 $1,394
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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.

Average Annual Toyota Tacoma Car Insurance Rates by Model Year

Model Year Average Annual Comprehensive Rates Average Annual Collision Rates Average Annual Liability Rates Average Annual Full Coverage Rates
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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You can see how 2019 Toyota Tacoma auto insurance rates are much higher than older models.

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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.

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Your one-stop online insurance guide. Get free quotes now!

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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

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
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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.

Toyota Tacoma Crash Test Ratings

1-5 Star Rating Scale, N/R = No Rating

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

The data above comes from the National Highway Traffic Safety Administration.

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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

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What is Toyota Tacoma Car Insurance Loss Probability?

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

Toyota Tacoma Car Insurance Loss Ratios

Source: Insurance Institute for Highway Safety

Insurance Coverage Category Loss Rate
Collision -21%
Property Damage 9%
Comprehensive -30%
Personal Injury -23%
Medical Payment -24%
Bodily Injury -8%

The lower percentage means lower Toyota Tacoma car insurance rates; higher percentages mean higher Toyota Tacoma car insurance rates.

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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

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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).

Top Car Insurance Companies by Market Share

Source: Insurance Information Institute

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
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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.

Are you looking for free insurance quotes?

Your one-stop online insurance guide. Get free quotes now!

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