Get free quote in-app

(400K+)

Toyota Tacoma Car Insurance

The better Way to shop for Toyota Tacoma Car Insurance

√ Free quotes from 200+ carriers in seconds

√ Lowest rate guaranteed

√ Up to $971 savings per year on average

4.9/5 Rating on the App Store

nationwide
travellers
mapfre
safeco
kemper
national-general
anchor
still-water
bridger
alinsco
commonwealth
suncoast
aspire

Key Takeaways

  • If you want to buy insurance for your Toyota Tacoma, it will cost you an average of $1353 per year.
  • Teenage drivers pay the most at around $4911 a year.
  • Good drivers can save up to $971 a year through Way.com.

Toyota Tacoma Car Insurance Cost

The average annual cost of a Toyota Tacoma is $1353.

Here we can show you everything you need to know about Toyota Tacoma insurance rates. Then, using our free online tool, you can immediately compare Toyota Tacoma car insurance quotes from some of the best companies.

Are Toyota Tacomas Expensive to Insure?

Insurance for a Toyota Tacoma costs about $204 less per year than insurance for the average car. The model and trim level of your Toyota Tacoma will affect how much you pay for Toyota Tacoma insurance. The average cost of car insurance for a Toyota Tacoma is higher for newer models than for older ones.

See what you could save on auto insurance

What Impacts the Cost of Toyota Tacoma Car Insurance?

Age of the Vehicle

Car insurance costs $1353 for a 2020 Toyota Tacoma but only $1131 for a 2010 Toyota Tacoma, a difference of $222.

Model Year Total
2020 Toyota Tacoma $1353
2019 Toyota Tacoma $1332
2018 Toyota Tacoma $1326
2017 Toyota Tacoma $1320
2016 Toyota Tacoma $1308
2015 Toyota Tacoma $1293
2014 Toyota Tacoma $1260
2013 Toyota Tacoma $1230
2012 Toyota Tacoma $1191
2011 Toyota Tacoma $1149
2010 Toyota Tacoma $1131

Driver Age

The driver's age can significantly affect how much Toyota Tacoma car insurance costs. For example, a 20-year-old driver's Toyota Tacoma car insurance could cost around $136 more per month than a 30-year-old driver's.

Age Annual Rates
Teen Driver $4902
Age 20 $3051
Age 30 $1410
Age 40 $1359
Age 50 $1239
Age 60 $1209

Driver Location

Your location can greatly affect how much you pay for Toyota Tacoma insurance. For instance, New York drivers may pay $348 more per year than drivers in Chicago.

Cities Annual Rates
Los Angeles, CA $2301
New York, NY $2121
Houston, TX $2421
Jacksonville, FL $2109
Philadelphia, PA $1800
Chicago, IL $1773
Phoenix, AZ $1800
Seattle, WA $1569
Indianapolis, IN $1161
Columbus, OH $1131

Your Driving Record

Your record as a driver can affect how much your Toyota Tacoma car insurance costs. With moving violations on their driving record, the rates for teens and people in their 20s who drive a Toyota Tacoma go up the most.

Toyota Tacoma Crash Test Ratings

If the Toyota Tacoma did well in crash tests, your car insurance rates could be less for a Toyota Tacoma. In government crash tests, the driver and the passenger in the front seat of the Tacoma got a perfect five-star rating.

The people inside the car also got four stars in side-impact crash tests. In addition, the vehicle got four out of five stars in rollover tests, which showed that it wasn't as safe as the other cars in its class.

See how the Toyota Tacoma did in crash tests 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

Toyota Tacoma Safety Features

The more safety features your Toyota Tacoma has, the better your chance of getting a discount.

The Toyota Tacoma has the following safety features:

  • Driver Air Bag
  • On/Off Switch for 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
  • Running Lights for the Day
  • Tow hooks upfront
  • Control of Grip
  • Lane Changing Alert

Because the Toyota Tacoma has so many safety features, insurance costs are very reasonable with many different insurance companies. Stability control is very popular because it is much less likely that a car will crash badly.

When getting quotes, it will be important for you to remember all of these safety features. If you leave out any of these things, you might not get the discounts you are eligible for.

Tire pressure monitors might not seem like a big deal, but they help keep you safe on the road, and insurance companies know that.

The total cost of your car will be an important thing to consider. That means the more expensive your car is and its features, like four-wheel drive, the more it will cost to insure.

Toyota Tacoma Safety Ratings

Your Toyota Tacoma car insurance rates will be affected by how safe the Toyota Tacoma is.

Check out the table 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

Toyota Tacoma Car Insurance Loss Probability

Insurance Coverage Category Loss Rate
Collision -20%
Property Damage -9%
Comprehensive -30%
Personal Injury -23%
Medical Payment -24%
Bodily Injury -8%

Ways to Save on Toyota Tacoma Car Insurance

Even though you can't change things like that, there are things you can do to help get a lower quote. Being a safe driver is probably the most important thing to keep your car insurance costs low.

Your Toyota Tacoma insurance rate can go up a lot if you have been in an accident in the past few years. However, if you've never been in an accident or haven't been in one in a while, you can get a big discount right away.

Moving traffic violations, like getting a ticket for speeding or not stopping at a stop sign, can also make your rate go up. Insurance companies know that someone with many tickets is a bigger risk than someone with none.

You will probably be given a higher rate if you live in a big city. But that rate could be lowered if you don't drive very often or only go a few miles at a time.

How do I find the best Toyota Tacoma car insurance rates?

You have more ways to save money on the cost of car insurance for your Toyota Tacoma.

Try these five suggestions:

  • Add a driver with more experience to your Toyota Tacoma insurance policy.
  • Accidents will be gone from your record in six years.
  • Provide Your Toyota Tacoma VIN When Requesting Toyota Tacoma Auto Insurance Quotes.
  • Getting less insurance for an older Toyota Tacoma
  • Ask about discounts for new customers.

Using the Way.com app, you can immediately compare Toyota Tacoma car insurance quotes from some of the best companies.

See what you could save on auto insurance

How much do insurance rates cost for a 2021 Tacoma?

The average cost of car insurance for a 2021 Toyota Tacoma is $1326 a year.

How much is car insurance for a 2020 Toyota Tacoma?

The average cost of car insurance for a 2020 Toyota Tacoma is $1311 a year.

What is the cost of car insurance for a 2019 Toyota Tacoma?

The average cost of car insurance for a 2019 Toyota Tacoma is $1290 per year.

How much does the insurance cost for a 2018 Tacoma?

The average insurance cost for a 2018 Toyota Tacoma is $1440.

How much is car insurance for a 2017 Toyota Tacoma?

Full insurance for a 2017 Toyota Tacoma costs an average of $1389 per year.

How much does it cost to get insurance for a 2016 Toyota Tacoma?

The average insurance cost for a 2016 Toyota Tacoma is $1332 per year.

What is the cost of car insurance for a 2015 Toyota Tacoma?

The average insurance cost for a 2015 Toyota Tacoma is $1212 per year.

How much does it cost to cover a 2014 Tacoma?

The average insurance cost for a 2014 Toyota Tacoma is $1110.

How much does the insurance cost for a 2013 Tacoma?

The average insurance cost for a 2013 Toyota Tacoma is $1092.

Bottom Line

The average cost of car insurance in the United States is $1557, but the amount you have to pay for your Toyota Tacoma will depend on many things.

How you drive, how much your car costs, and where you live are all important factors that every insurance company looks at differently when figuring out your rate.

Because there are so many differences between providers, getting quotes from as many companies as possible is important.

How to get Toyota Tacoma Car Insurance with Way.com

If you are financing a Toyota Tacoma, most lenders will require you to carry higher coverage options, such as comprehensive coverage. Shop around and compare Toyota Tacoma auto insurance quotes from the best auto insurance companies using the Way.com app.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com

Frequently Asked Questions

How much does it cost to insure a Toyota Tacoma?

The average annual cost of a Toyota Tacoma is $1353.

Why is Toyota Tacoma insurance so expensive?

Insurance for a Toyota Tacoma costs about $204 less per year than insurance for the average car. The model and trim level of your Toyota Tacoma will affect how much you pay for Toyota Tacoma insurance. The average cost of car insurance for a Toyota Tacoma is higher for newer models than for older ones.

What is average insurance on Toyota Tacoma?

The average annual cost of a Toyota Tacoma is $1353.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




Digital Insurance Card

Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.

Get reminders & quotes

Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.

Share with family

Keep everyone on your policy up to date by sharing your insurance information.

Manage your policy

Make changes to your policy right from the app (coming soon) and ask for expert advice.

Get the App:

Find the best Auto insurance rates on-the-go

For the best user experience, please download our Way app.

Please Enter A Valid Mobile Number!
Text Sent, Please download!

or