Toyota Tacoma Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs about the same to insure a Toyota Tacoma as the average truck.

• Full coverage for a Tacoma generally comes in at about $148 a month, while liability only auto insurance rates tend to be around $66 per month.

• The lowest insurance company for a Tacoma is United Absolute.

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Tacoma Overview

With a base price of just $26,150 for new 2021 models, the Toyota Tacoma is a great budget-friendly truck for drivers of all types. In addition to it being on the affordable end of the spectrum when it comes to overall price point, it's also a wise option for your budget when thinking about your car insurance prices.

After analyzing thousands of insurance quotes through Compare.com, we've found that Toyota Tacoma auto insurance premiums average out to about $152 monthly. But how does that compare to other similar trucks on the market?

How Much is Car Insurance for a Toyota Tacoma?

If you look at the table above, you'll see that car insurance rates for a Toyota Tacoma are lower than average. On average, Tacoma drivers can expect to pay around $66 a month for liability insurance, and about $148 per month for full coverage, which has comprehensive and collision coverages in addition to liability (find out more about these different types of insurance with our guide "State Minimum vs. Full Coverage").

Compared to other Toyota models, the Tacoma is slightly more affordable, with premiums around 9% lower than the rest of the manufacturer's vehicle offerings. Compared to truck offerings from other brands, insurance for a Tacoma is less expensive than average, with liability insurance prices coming in at 6% cheaper than other trucks and full coverage insurance premiums averaging exactly the same rates.

Impressively, they're overall more affordable to insure than the average vehicle, no matter what body style, model, or make they are.

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Who has the Cheapest Car Insurance for a Toyota Tacoma?

If you're browsing for a new auto insurance policy for your Toyota Tacoma, you probably want to know which carrier offers the most affordable rates. Although there will never be one company that offers the most affordable rates for everyone, the lowest average rates for liability only insurance are sometimes just $39 a month from MetroMile. With car insurance as cheap as just $41 a month, Hugo is the next cheapest auto insurance carrier.

Aspire, Hallmark, and Commonwealth Casualty round out the rest of the top 5 list. But just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Car insurance companies use many different things and complex formulas to calculate rates. By pulling quotes from a lot of car insurance carriers at once, you can rest easy knowing that you're finding the lowest rate.

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What Factors Affect Car Insurance Rates for a Toyota Tacoma?

As we mentioned above, there are a wide array of variables that auto insurance companies consider to choose how much they charge you -- and each company weighs certain attributes more than others, so there's not a singular carrier that's the most affordable for every Tacoma driver.

Keep reading to learn which factors car insurance carriers look at and how they affect your final rate:

Vehicle Age

The Toyota Tacoma has been around for a while, so vehicle age will likely make a big difference in what you end up paying for insurance. Usually, it costs more to insure newer cars because they're worth more, but as they get older, insurance costs will gradually go lower.

As you can see in the table above, the Toyota Tacoma is inline with this trend, as the most expensive models to insure are those that are 4 to 5 years old, while the cheapest models are Tacomas that are 6 to 7 years old, on average.

Your Age

Your age is another factor that makes a difference in how much auto insurance companies will charge you for car insurance. In the table above, you'll see that the youngest Tacoma drivers pay more for insurance than those who have more experience. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Auto insurance prices continue to decrease as you get older, with drivers aged 55-64 making up the cheapest age group for the Tacoma.

Your Gender

Women usually to pay less for auto insurance than men. This is because men are more likely to get into collisions and get tickets, which raises the chances of an insurance claim. When it comes to Tacoma drivers specifically, women pay about 11% less than men per month for insurance.

Where You Live

You were probably already aware that things such as what vehicle you drive and how old you are play a role in your car insurance rates, but you may not realize that where you live is just as important. Insurance is regulated on a state-by-state basis, so prices can differ quite a bit depending on which state you're located in.

For example, the average Toyota Tacoma owner in New York pays around $143 monthly for liability coverage. Meanwhile, on average, the same Californian driver will pay less than half of that price. The chart above shows average premiums for the top 10 most populous states, just to give you a good idea of how much rates can change between states.

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Toyota Tacoma Car Insurance Discounts

Regardless of which car you drive, how old you are, or what state you call home, it's always in your best interest to take advantage of as many auto insurance discounts as possible when shopping around for a new policy.

Even though all insurance carriers offer their own unique discounts, there are a few different ones that you'll find with most companies. These include things like:

• Defensive driving discounts for drivers who take a defensive driving class through an accredited school or institution
• Multi-car discounts for insuring more than one of your vehicles with the same company
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher safety ratings
• Multi-policy discounts for getting both your home and auto policies from the same carrier

There are countless ways to save money on your car insurance if you know where to look. Sometimes, the best rates come from simply having a favorable insurance profile, which means having a clean driving record or not having any recent insurance claims.

Even though you don't have control over every variable auto insurance carriers look at to calculate prices (like some of the ones mentioned above), you do have a say over some of them. Below are just a few of the ones you can use in your favor when it comes to saving some cash:

Your Driving Record

It's no secret that car insurance companies offer the cheapest rates to drivers with clean records. It should be no surprise that if you get into an accident or get a speeding ticket, insurance prices will increase. But how much will they cost you?

As you can tell from the table above, accidents will usually cost Tacoma drivers more than tickets, but both will result in above average rates. Toyota Tacoma drivers with a single ticket will pay an average of $84 a month, while drivers with one accident on their record pay about $89 each month (up $23 from the $66/mo. overall average). Drivers with more than one of either violation will end up paying even more.

How Much You Drive

Another factor that impacts your car insurance premiums is the amount of miles you drive. Those who drive less are more likely to go accident-free, so they'll typically end up spending less on auto insurance. Based on the table above, you can see that Toyota Tacoma owners who drive 10,000 miles or more pay $69 for insurance, while those who drive fewer than 2,500 miles per year pay an average of $55 per month.

If you work from home or drive less often than the average driver, it may be worth learning about usage-based or pay-per-mile car insurance. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Toyota Tacomas Compare to Other Vehicles?

If you're thinking about making a Toyota Tacoma your next truck, it can pay off to do your homework. Auto insurance is just one cost that's associated with buying a new car, but it's certainly one that's worth thinking about carefully.

Take a look at the table below to see how the Toyota Tacoma stacks up:

With an MSRP that's a third less than the going rate for a new vehicle, the Toyota Tacoma is a fantastic value for any budget. The Tacoma comes in at $26,150, which is much cheaper than the national average vehicle MSRP of $46,179.

Although the Tacoma's price is on the low end of the spectrum, auto insurance rates are slightly higher when compared to the rest of the vehicle market. Liability insurance for a Toyota Tacoma is about $4 per month less than average, while full coverage is $13 more monthly.

When it comes to usage, Toyota Tacoma owners drive fewer miles annually than the national average, with 11,660 miles for all vehicles every year compared to the Tacoma's 10,574 a year.

Toyota Tacoma Car Insurance Costs by Model Year

Thus far, you've seen how different variables have an impact on how much the average driver pays for insurance. If you're thinking about buying a new vehicle and the Tacoma is one you're considering, knowing how much your vehicle will likely cost is extremely valuable as you weigh your choices.

That's why we've decided to break down Toyota Tacoma auto insurance prices by model year. Choose a specific Tacoma model year in the dropdown below and see average rates for both liability only and full coverage. We've included some additional information you might find helpful, too, like the base MSRP, which trim levels are offered, and who offers the lowest policies for each Tacoma model year.

Choose Your Model

2021 Toyota Tacoma Car Insurance 2020 Toyota Tacoma Car Insurance 2019 Toyota Tacoma Car Insurance 2018 Toyota Tacoma Car Insurance 2017 Toyota Tacoma Car Insurance 2016 Toyota Tacoma Car Insurance 2015 Toyota Tacoma Car Insurance 2014 Toyota Tacoma Car Insurance 2013 Toyota Tacoma Car Insurance 2012 Toyota Tacoma Car Insurance 2011 Toyota Tacoma Car Insurance 2010 Toyota Tacoma Car Insurance

2021 Toyota Tacoma Car Insurance

If you're searching for a brand new Toyota Tacoma, you've got options. A 2021 Toyota Tacoma starts at around $26,150 for the base model, with eight different trim levels to pick from.

When it comes to insurance, it costs about $77 a month, on average, to insure a 2021 Toyota Tacoma for liability only and $182 monthly for full coverage. And if you want the cheapest insurance possible, DirectGeneral offers liability only policies for sometimes as low as $20 per month.

While it's great to know the average price drivers pay for insurance, you'll never know exactly how much you'll pay without getting a personalized quote. Luckily, with Compare.com you can get quotes from a variety of carriers at once, all for free. To get started, just enter your ZIP code below.

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2020 Toyota Tacoma Car Insurance

If you're looking to buy a 2020 Tacoma or already own one, you can expect an average car insurance rate of around $73 for liability or $188 for full coverage.

And if you're just looking for the most affordable auto insurance for your Tacoma, Hugo offers liability only policies for as little as just $17 a month.

If you want to know exactly how much you can expect to pay for your Tacoma, just enter your ZIP code below and get several free quotes in minutes.

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2019 Toyota Tacoma Car Insurance

It costs about $78 monthly for liability or $182 for a full coverage policy for the 2019 Toyota Tacoma.

If you're looking for the lowest possible 2019 Toyota Tacoma insurance policy, AnswerFinancial offered the cheapest policy we found, with rates as little as $26 per month.

If you want to find the best premiums for insurance for a 2019 Toyota Tacoma, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2018 Toyota Tacoma Car Insurance

On average, drivers who own a 2018 Tacoma can expect to pay $75 to $164 a month for liability only and full coverage car insurance, respectively.

Clearcover has prices sometimes as little as $22 per month for the 2018 Toyota Tacoma.

Interested in just how much you'll pay? Enter your ZIP code below to get lots of personalized quotes for free.

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2017 Toyota Tacoma Car Insurance

The average cost to insure a 2017 Toyota Tacoma with liability only coverage is $93 monthly, while full coverage runs around $158 per month.

With rates as low as just $22 a month, MetroMile offered the lowest policy we found.

While these are good estimates of what the average driver might pay to insure a 2017 Toyota Tacoma, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2016 Toyota Tacoma Car Insurance

You can expect full coverage for a 2016 Tacoma to run about $152 monthly, while liability only coverage will average around $68 per month.

We found Hugo offered the most affordable policy, with rates as cheap as $16 a month.

If you want to find the best prices for insurance for a 2016 Toyota Tacoma, enter your ZIP code below and compare quite a few personalized quotes in just a few minutes.

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2015 Toyota Tacoma Car Insurance

2015 Toyota Tacoma drivers can expect to pay an average of $70 monthly for liability or $153 for full coverage.

MetLife offered the cheapest policy we found, with rates sometimes as cheap as $17 a month.

What will your auto insurance premium be? Just enter your ZIP code below to get multiple customized quotes for free.

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2014 Toyota Tacoma Car Insurance

On average, drivers who own a 2014 Tacoma can expect to pay $74 to $147 monthly for liability only and full coverage car insurance, respectively.

Looking for the lowest policy? Liberty Mutual offered liability only coverage for as low as $17 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2013 Toyota Tacoma Car Insurance

It costs about $58 a month for liability or $137 for a full coverage policy for the 2013 Toyota Tacoma.

With rates sometimes as cheap as $21 monthly, MetLife offered the most affordable policy we found for the 2013 Toyota Tacoma.

Want to know exactly what your insurance price will be? Get several free personalized quotes by just entering your ZIP code below.

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2012 Toyota Tacoma Car Insurance

The average cost to insure a 2012 Tacoma with liability only coverage is $76 per month, while full coverage runs around $145 monthly.

With premiums as little as $17 a month, MetLife offered the lowest policy we found.

While these are good estimates of what the average driver might pay to insure a 2012 Toyota Tacoma, these rates might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2011 Toyota Tacoma Car Insurance

2011 Toyota Tacoma drivers can expect to pay an average of $63 per month for liability or $132 for full coverage.

Elephant offered the most affordable policy we found, with rates as low as $17 monthly.

If you want to know just how much your rate will be, just enter your ZIP code below and get free quotes in minutes.

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2010 Toyota Tacoma Car Insurance

You can expect full coverage for a 2010 Tacoma to run about $141 a month, while liability only coverage will average around $64 per month.

We found Safeco offered the cheapest policy, with rates as cheap as $19 a month.

Want to know exactly how much you'll pay? Get a variety of customized quotes for free by just entering your ZIP code below.

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Toyota Tacoma Insurance FAQs

Is a Toyota Tacoma expensive to insure?

The cost of auto insurance for the Toyota Tacoma is about on par with the average vehicle. Liability insurance runs an average of $66 per month, while full coverage will cost you around $148.

How can I get the best price on car insurance for my Toyota Tacoma?

There's only one way to be confident you're getting the lowest rates -- regularly shopping around and getting quotes. A good rule of thumb is to get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a whole bunch of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Toyota Tacoma affect my insurance prices?

You've probably heard that it is more expensive to insure red cars that silver or white vehicles, but that's actually not the case. There are a range of factors car insurance carriers consider when they calculate your rates, but your car's color is not factored into that equation.

Do I need to have insurance before I buy a Toyota Tacoma?

Before you can legally drive your new (or new to you) Toyota Tacoma off the dealership lot, you'll need to have a car insurance policy in place. Some dealerships will offer you one during the purchase process, but it's best to let your auto insurance company know ahead of time.

What car insurance discounts can I get for my Toyota Tacoma?

There are a whole range of different discounts out there for car insurance. Many of them (like "safe driver discounts" and "multi-vehicle discounts") are more based on you than the vehicle you drive, but if your Tacoma has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may qualify for certain discounts. To find out which discounts you may receive, talk with your insurance agent and ask about their discounts.