Key Takeaways
The Toyota Tacoma stands out as one of the most iconic pickup trucks from the Japanese auto giants. A lot of people own this truck, and many often wonder about the Toyota Tacoma auto insurance cost. Compared to regular cars, insuring a pickup truck can be slightly more expensive because of its rugged use. However, there are still several insurance companies that offer budget-friendly premiums. Let's go through different Toyota Tacoma car insurance quotes and other helpful details to guide you in making the best decision.
The average annual Toyota Tacoma auto insurance cost is $1,560, while the monthly insurance cost comes to around $130. This rate is estimated for a 30-year-old driver with a good driving record, so it can vary based on different factors. Always compare customer-rated insurers to find the best Toyota Tacoma car insurance quotes.
Toyota Tacomas are moderately expensive to insure for their segment. Compared to other pickup trucks, the Toyota Tacoma car insurance cost is actually lower. That's mainly due to the safety features and strong safety ratings this truck comes with. However, if you compare this rate with daily-use family cars, it might feel slightly on the higher side.
As mentioned earlier, various factors affect the cost of Toyota Tacoma car insurance, like age, trim level, driving experience, driving record, location, safety features, and safety ratings. Even your zip code can impact the Toyota Tacoma car insurance cost. So, it's important to check the latest rates to get an accurate idea of your premium. Also, make sure to see all coverage options across different providers to find the one that suits you best.
The average annual 2020 Toyota Tacoma auto insurance rates for this vehicle vary significantly depending on the provider. Nationwide offers the cheapest rate at $1,024 per year, which is the best budget-friendly choice. On the higher end, Mercury comes in with the most expensive insurance rate at $1,459 annually.
| Company Name | Annual Rate |
|---|---|
| Nationwide | $1,024 |
| Vermont Mutual | $1,038 |
| Tennessee Farmers | $1,242 |
| USAA | $1,297 |
| 21st Century | $1,298 |
| State Farm | $1,308 |
| Country | $1,341 |
| Arbella | $1,352 |
| Erie | $1,356 |
| American Family | $1,424 |
| Mercury | $1,459 |
For the 2019 Toyota Tacoma model, Cincinnati Insurance has the lowest annual rate at $1,058, while American Family is the most expensive at $1,484. There's a good gap between the cheapest and costliest, so comparing quotes can really help you save.
| Company Name | Annual Rate |
|---|---|
| Cincinnati Insurance | $1,058 |
| Auto Owners | $1,123 |
| Nationwide | $1,171 |
| Erie | $1,189 |
| USAA | $1,330 |
| Country | $1,339 |
| Arbella | $1,391 |
| Plymouth Rock | $1,408 |
| Mercury | $1,433 |
| Acuity | $1,446 |
| American Family | $1,484 |
While comparing the 2018 Toyota Tacoma car insurance costs, State Farm offers the lowest rate at $699 per year, closely followed by Erie and USAA. On the higher side, Plymouth Rock charges the most at $1,052.
| Company Name | Annual Rate |
|---|---|
| State Farm | $699 |
| Erie | $705 |
| USAA | $718 |
| Progressive | $744 |
| Nationwide | $849 |
| Tennessee Farmers | $895 |
| American Family | $953 |
| Vermont Mutual | $956 |
| Country | $990 |
| Acuity | $1,038 |
| Plymouth Rock | $1,052 |
State Farm has the cheapest car insurance cost for a 2017 model Toyota Tacoma at $607, while Tennessee Farmers is the most expensive at $963.
| Company Name | Annual Rate |
|---|---|
| State Farm | $607 |
| Erie | $641 |
| USAA | $650 |
| Progressive | $676 |
| Texas Farm Bureau | $763 |
| Nationwide | $854 |
| American Family | $864 |
| Vermont Mutual | $873 |
| Country | $937 |
| Quincy Mutual | $945 |
| Tennessee Farmers | $963 |
Texas Farm Bureau offers the lowest annual rate at $691, making it the most budget-friendly option in this list. On the other end, 21st Century has the highest insurance rate at $1,194.
| Company Name | Annual Rate |
|---|---|
| Texas Farm Bureau | $691 |
| Vermont Mutual | $856 |
| Quincy Mutual | $914 |
| Nationwide | $1,049 |
| Grange Insurance | $1,061 |
| Erie | $1,127 |
| Amica | $1,180 |
| Arbella | $1,182 |
| USAA | $1,185 |
| Country | $1,190 |
| 21st Century | $1,194 |
Rates for 2015 Toyota Tacoma insurance start as low as $548 with Erie. State Farm, USAA, and Texas Farm Bureau are closely followed, and all are under $620. On the pricier side, American Family, Acuity, Country, and Quincy Mutual go up to $893.
| Company Name | Annual Rate |
|---|---|
| Erie | $548 |
| State Farm | $609 |
| USAA | $611 |
| Texas Farm Bureau | $618 |
| Vermont Mutual | $736 |
| Tennessee Farmers | $743 |
| Progressive | $760 |
| American Family | $827 |
| Acuity | $889 |
| Country | $890 |
| Quincy Mutual | $893 |
Texas Farm Bureau offers the lowest Toyota Tacoma auto insurance cost for the 2014 model at $496. Also, USAA, Erie, and State Farm stay well under $650. On the costlier side, Acuity, American Family, Quincy Mutual, and Country go up to $885.
| Company Name | Annual Rate ($) |
|---|---|
| Texas Farm Bureau | $496 |
| USAA | $587 |
| Erie | $593 |
| State Farm | $643 |
| Vermont Mutual | $682 |
| Tennessee Farmers | $731 |
| Progressive | $743 |
| Acuity | $836 |
| American Family | $848 |
| Quincy Mutual | $874 |
| Country | $885 |
For a 2013 Toyota Tacoma, rates start at just $485 with Texas Farm Bureau. USAA, Erie, and State Farm are also on the lower side, all staying under $600. In the mid-range, companies like Vermont Mutual, Progressive, and Tennessee Farmers offer rates between $651 and $698. The highest rates go up to $855, with providers like American Family, Acuity, Country, and Quincy Mutual.
| Company Name | Annual Rate ($) |
|---|---|
| Texas Farm Bureau | $485 |
| USAA | $534 |
| Erie | $539 |
| State Farm | $576 |
| Vermont Mutual | $651 |
| Progressive | $656 |
| Tennessee Farmers | $698 |
| American Family | $761 |
| Acuity | $787 |
| Country | $834 |
| Quincy Mutual | $855 |
When comparing the insurance costs for a 2012 Toyota Tacoma, Texas Farm Bureau comes first with an annual rate of just $437. Meanwhile, Quincy Mutual has the most expensive premium, starting from $837.
| Company Name | Annual Rate |
|---|---|
| Texas Farm Bureau | $437 |
| USAA | $508 |
| Erie | $522 |
| State Farm | $542 |
| Vermont Mutual | $597 |
| Progressive | $652 |
| Tennessee Farmers | $666 |
| Acuity | $730 |
| American Family | $758 |
| Country | $799 |
| Quincy Mutual | $837 |
The more safety features your Toyota Tacoma has, the better your chance of getting a discount.
The Toyota Tacoma has the following safety features:
Because of these advanced safety features, Toyota Tacoma car insurance costs are less than those of other pickup trucks. For more, you can get personalized quotes instantly from us.
With safety features, safety ratings are another important factor that's been looked at by insurance companies when providing Toyota Tacoma car insurance quotes.
Below are the IIHS safety ratings of Tacoma:
| 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 |
Drive Safely: Careless driving can badly affect the Toyota Tacoma auto insurance cost. So, if you drive safely and keep a clean driving record, it'll help you lower your insurance premiums.
Improve the credit score: A good credit score, which is recommended to be between 670 and 739, can help you save up to $250 or more every year.
Follow driving laws: Even something as simple as traffic violations can increase the auto insurance premium for your Toyota Tacoma.
Ask for relevant discounts: There are several discounts available from insurance companies that they don't usually tell you about, so you'll have to ask. Discounts like loyalty, senior citizens, military veterans, and more can help you bring down your annual premium.
Bundle insurance policies: You can save even more by bundling auto and home insurance policies.
Download the Way app or head to the Way.com website to start your auto insurance journey and get a free quote in just minutes! Compare offers from more than 140 different insurance providers on our platform, which lets you choose the best policy that may help you lower your Toyota Tacoma car insurance cost.
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
Way.com’s Insurance Broker Quote Data
The average annual cost of a Toyota Tacoma is $1,560.
Toyota Tacoma is not that expensive to insure. 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.
The average annual cost of a Toyota Tacoma is $1,560.
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