Toyota Tacoma Car Insurance Cost 2025
Getting insurance for a Toyota Tacoma costs an average of $2,009 per year. However, your exact premium may differ depending on factors such as your age, driving history, location, and the model year of your Tacoma. You can refer to our quote tables below to get a more personalized estimate based on your specific profile.
We’ve saved shoppers an average of $600 per year on their car insurance.
If you’re thinking about buying a Toyota Tacoma, you’ll need to consider the cost of insurance among other factors. Insurance is a crucial aspect of owning a car, so it’s important to understand it before making a decision. On average, insurance for a Toyota Tacoma cost $2,009 per year.
Choosing the right car insurance is essential to avoid unexpected and potentially high expenses in the future. It’s crucial to have adequate coverage in case of an accident to prevent significant out-of-pocket costs. Additionally, if you’re found at fault in an accident, your insurance premiums could increase.
With over ten years of experience analyzing car insurance rates, I’ve noticed how much these costs can vary. Factors like your age, driving record, and where you live can significantly affect your insurance premiums.
How Much Does Toyota Tacoma Car Insurance Cost?
Typically, Toyota Tacoma drivers can expect to pay an average of $2,009 per year for car insurance.
It’s important to understand that car insurance costs can vary widely depending on several key factors. These include your location, driving record, the age and model of your Toyota Tacoma, and the specific coverage options you choose. For instance, drivers with clean records often enjoy lower premiums, while those with a history of traffic violations or accidents may face higher rates.
Living in a densely populated urban area with more traffic and a higher likelihood of accidents can also drive up insurance costs, whereas rural areas tend to have lower premiums. Additionally, the type of insurance you select matters—comprehensive coverage, which includes both collision and other damage, is typically more expensive than basic liability coverage.
According to the table below, the average insurance cost for a Toyota Tacoma is lower than that of all Toyota models combined, and it’s also less expensive than the average insurance cost for all cars. To ensure you’re getting the best rate, Insuranceopedia makes it easy to compare quotes from various auto insurance providers and find a policy that fits your needs and budget.
| Vehicle | Average Monthly Premium |
| Toyota Tacoma | $133 |
| All Toyotas | $150 |
| All Cars | $175 |
Average Insurance Cost Of Toyota Tacoma Model Year
| Model Year | Average Premium |
| 2024 Toyota Tacoma | $1,117 |
| 2023 Toyota Tacoma | $708 |
| 2022 Toyota Tacoma | $670 |
| 2021 Toyota Tacoma | $694 |
| 2020 Toyota Tacoma | $685 |
| 2019 Toyota Tacoma | $769 |
| 2018 Toyota Tacoma | $630 |
| 2017 Toyota Tacoma | $767 |
| 2016 Toyota Tacoma | $449 |
| 2015 Toyota Tacoma | $529 |
| 2014 Toyota Tacoma | $526 |
| 2013 Toyota Tacoma | $655 |
| 2012 Toyota Tacoma | $604 |
| 2011 Toyota Tacoma | $410 |
| 2010 Toyota Tacoma | $693 |
2024 Toyota Tacoma Insurance Rates
The average annual insurance cost for a 2024 Toyota Tacoma is $1,117. However, Esurance offers the cheapest rates, averaging $857 per year.
| Insurance Provider | Average Annual Cost |
| USAA | $1,042 |
| Allstate | $1,356 |
| Alliance United | $1,140 |
| Auto Club | $1,116 |
| Esurance | $857 |
| 21st Century | $1,113 |
| Grange | $888 |
| State Farm | $1,213 |
| Mercury | $1,288 |
| Unitrin | $1,155 |
2023 Toyota Tacoma Insurance Rates
The average annual insurance cost for a 2023 Toyota Tacoma is $708. However, NatGen Custom 360 offers the cheapest rates, averaging $231 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $426 |
| New York Central Mutual Fire | $1,039 |
| Wolverine Mutual | $923 |
| Pekin Insurance | $776 |
| NatGen Custom 360 | $231 |
| Safeco | $500 |
| Victoria | $270 |
| Hastings Mutual Insurance Co | $1,004 |
| Norfolk and Dedham Group | $1,005 |
| Texas Farm Bureau Group | $909 |
2022 Toyota Tacoma Insurance Rates
The average annual insurance cost for a 2022 Toyota Tacoma is $670. However, Kemper Auto offers the cheapest rates, averaging $134 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $364 |
| Countryway Insurance | $970 |
| American National P | $882 |
| Victoria | $682 |
| Kemper Auto | $134 |
| Concord Group | $634 |
| Safeco | $308 |
| Titan | $949 |
| MMG Insurance Company | $952 |
| Pekin Insurance | $829 |
2021 Toyota Tacoma Insurance Rates
The average annual insurance cost for a 2021 Toyota Tacoma is $694. However, Dairyland Broadform offers the cheapest rates, averaging $344 per year.
| Insurance Provider | Average Annual Cost |
| Safeco | $531 |
| MMG Insurance Company | $953 |
| Countryway Insurance | $798 |
| Buckeye Insurance Group | $650 |
| Dairyland Broadform | $344 |
| Concord Group | $656 |
| Victoria | $426 |
| Indiana Farmers Mutual Ins | $875 |
| Mercury Insurance | $881 |
| American National P | $822 |
2020 Toyota Tacoma Insurance Rates
The average annual insurance cost for a 2020 Toyota Tacoma is $685. However, Safeco offers the cheapest rates, averaging $110 per year.
| Insurance Provider | Average Annual Cost |
| American National P | $467 |
| West Bend Mutual | $997 |
| United Farm Bureau of IN Group | $828 |
| Countryway Insurance | $762 |
| Safeco | $110 |
| Buckeye Insurance Group | $723 |
| Mercury Insurance | $420 |
| Rural Mutual Insurance | $851 |
| Utica National Ins Group | $881 |
| Pekin Insurance | $815 |
2019 Toyota Tacoma Insurance Rates
The average annual insurance cost for a 2019 Toyota Tacoma is $769. However, Safeco offers the cheapest rates, averaging $159 per year.
| Insurance Provider | Average Annual Cost |
| Concord Group | $691 |
| West Bend Mutual | $990 |
| Mercury Insurance | $909 |
| AssuranceAmerica Mobile Max | $726 |
| Safeco | $159 |
| SafeAuto | $705 |
| Buckeye Insurance Group | $682 |
| Pekin Insurance | $942 |
| American National P | $981 |
| North Carolina Farm Bureau | $909 |
2018 Toyota Tacoma Insurance Rates
The average annual insurance cost for a 2018 Toyota Tacoma is $630. However, Safeco offers the cheapest rates, averaging $111 per year.
| Insurance Provider | Average Annual Cost |
| AssuranceAmerica Mobile Max | $429 |
| Patriot Group | $867 |
| Buckeye Insurance Group | $826 |
| Utica National Ins Group | $710 |
| Safeco | $111 |
| American National P | $516 |
| Concord Group | $386 |
| Mercury Insurance | $821 |
| MMG Insurance Company | $821 |
| Countryway Insurance | $816 |
2017 Toyota Tacoma Insurance Rates
The average annual insurance cost for a 2017 Toyota Tacoma is $767. However, Safeco offers the cheapest rates, averaging $343 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $533 |
| Infinity Special | $1,041 |
| American National P&C | $898 |
| Mercury Insurance | $803 |
| Safeco | $343 |
| Concord Group | $702 |
| Kemper Auto | $416 |
| Indiana Farmers Mutual Ins | $999 |
| SECURA Insurance | $1,065 |
| American National P | $866 |
2016 Toyota Tacoma Insurance Rates
The average annual insurance cost for a 2016 Toyota Tacoma is $449. However, Infinity Special offers the cheapest rates, averaging $252 per year.
| Insurance Provider | Average Annual Cost |
| Mercury Insurance Company | $312 |
| Dairyland FR Bond | $594 |
| American National P | $527 |
| Mercury Insurance | $339 |
| Jupiter Auto Insurance | $500 |
| Safeco | $324 |
| Infinity Special | $252 |
| Rural Mutual Insurance | $563 |
| West Bend Mutual | $624 |
| National General Value | $455 |
2015 Toyota Tacoma Insurance Rates
The average annual insurance cost for a 2015 Toyota Tacoma is $529. However, Safeco offers the cheapest rates, averaging $237 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Personal Insurance | $441 |
| North Carolina Farm Bureau | $735 |
| Plymouth Rock Assurance | $625 |
| American National P | $503 |
| Safeco | $237 |
| SafeAuto | $525 |
| Mercury Insurance | $345 |
| Buckeye Insurance Group | $648 |
| Infinity Special | $637 |
| New York Central Mutual Fire | $590 |
2014 Toyota Tacoma Insurance Rates
The average annual insurance cost for a 2014 Toyota Tacoma is $526. However, Safeco offers the cheapest rates, averaging $179 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto Premier | $405 |
| North Carolina Farm Bureau | $694 |
| Buckeye Insurance Group | $680 |
| SECURA Insurance | $549 |
| Safeco | $179 |
| American National P | $470 |
| Mercury Insurance | $304 |
| Umialik Insurance | $667 |
| New York Central Mutual Fire | $696 |
| Pekin Insurance | $615 |
2013 Toyota Tacoma Insurance Rates
The average annual insurance cost for a 2013 Toyota Tacoma is $655. However, Safeco offers the cheapest rates, averaging $280 per year.
| Insurance Provider | Average Annual Cost |
| NatGen Custom 360 | $522 |
| Buckeye Insurance Group | $826 |
| PEMCO | $793 |
| SECURA Insurance | $721 |
| Safeco | $280 |
| First Chicago Insurance | $687 |
| American National P | $367 |
| Direct Auto | $777 |
| Pekin Insurance | $803 |
| Mercury Insurance | $778 |
2012 Toyota Tacoma Insurance Rates
The average annual insurance cost for a 2012 Toyota Tacoma is $604. However, Safeco offers the cheapest rates, averaging $160 per year.
| Insurance Provider | Average Annual Cost |
| Kemper Auto | Infinity | $498 |
| Ohio Mutual Ins Group | $755 |
| North Carolina Farm Bureau | $723 |
| Frankenmuth Mutual | $635 |
| Safeco | $160 |
| NatGen PPA | $584 |
| Buckeye Insurance Group | $478 |
| SafeAuto | $716 |
| PEMCO | $752 |
| ALFA | $741 |
2011 Toyota Tacoma Insurance Rates
The average annual insurance cost for a 2011 Toyota Tacoma is $410. However, Safeco offers the cheapest rates, averaging $247 per year.
| Insurance Provider | Average Annual Cost |
| Buckeye Insurance Group | $376 |
| Partners Mutual Insurance Co | $511 |
| United Farm Bureau of IN Group | $460 |
| Pekin Insurance | $442 |
| Safeco | $247 |
| Kemper Auto | Infinity | $420 |
| Mercury Insurance | $252 |
| Infinity Special | $446 |
| North Star | $528 |
| American National P | $417 |
2010 Toyota Tacoma Insurance Rates
The average annual insurance cost for a 2010 Toyota Tacoma is $693. However, Buckeye Insurance Group offers the cheapest rates, averaging $553 per year.
| Insurance Provider | Average Annual Cost |
| SECURA Insurance | $621 |
| New York Central Mutual Fire | $796 |
| NatGen Advantage | $759 |
| North Carolina Farm Bureau | $678 |
| Safeco | $563 |
| Mercury Insurance | $678 |
| Buckeye Insurance Group | $553 |
| Western Reserve | $719 |
| AssuranceAmerica Economy | $799 |
| Verti Insurance | $763 |
Find Affordable Toyota Tacoma Car Insurance Rates
Is A Toyota Tacoma Car Insurance Expensive To Insure?
The cost to insure a Toyota Tacoma is generally lower than the average cost to insure all vehicles. However, your actual premium can vary significantly depending on several factors, including your age, where you live, the age of your vehicle, your driving history, and the type of coverage you choose. These variables all influence how insurance companies assess your risk level and determine your rate.
Cost of Toyota Tacoma Car Insurance By Age
Age is a major factor in determining car insurance rates for any vehicle, including the Toyota Tacoma. Teen drivers usually face the highest premiums because they are statistically more likely to be involved in accidents. As drivers age and gain more experience behind the wheel, their risk level decreases, which typically leads to lower insurance costs. Older, more experienced drivers are generally viewed as safer and more responsible, making them less expensive to insure.
| Drive Age | Good Driver | Recent Accident | Poor Credit |
| 17 | $6,630 | $9,727 | $11,421 |
| 18 | $6,198 | $9,047 | $10,663 |
| 19 | $5,480 | $8,044 | $9,425 |
| 20 | $4,799 | $6,993 | $8,171 |
| 21 | $4,028 | $5,905 | $6,842 |
| 22 | $3,896 | $5,714 | $6,708 |
| 23 | $3,417 | $5,031 | $5,830 |
| 24 | $3,236 | $4,738 | $5,589 |
| 25 | $2,802 | $4,111 | $4,823 |
| 30 | $2,214 | $3,238 | $3,759 |
| 35 | $2,018 | $3,005 | $3,494 |
| 40 | $1,940 | $2,860 | $3,343 |
| 45 | $1,933 | $2,799 | $3,264 |
| 55 | $1,781 | $2,581 | $3,008 |
| 65 | $1,833 | $2,716 | $3,139 |
| 75 | $2,275 | $3,390 | $3,957 |
Toyota Tacoma Car Insurance Rates By State
Where you live has a major impact on how insurance companies determine your Toyota Tacoma insurance rate. Each state sets its own rules and coverage requirements, which can cause rates to vary widely. For example, Michigan drivers often pay more because the state requires higher levels of coverage. Local climate also plays a role—areas prone to severe weather like hurricanes, storms, or flooding may see higher premiums due to the increased risk of damage. In addition, insurance companies take into account local statistics related to crime and auto accidents, including theft rates, collisions, and fatalities. All of these regional factors help shape the final cost of your car insurance.
| State | Good Driver | Recent Accident | Poor Credit |
| Alabama | $2,052 | $3,000 | $3,831 |
| Alaska | $1,732 | $2,337 | $2,304 |
| Arizona | $1,950 | $2,814 | $4,132 |
| Arkansas | $2,158 | $3,355 | $3,692 |
| California | $2,360 | $4,196 | $2,388 |
| Colorado | $2,177 | $3,107 | $3,925 |
| Connecticut | $2,823 | $4,381 | $5,577 |
| Delaware | $2,344 | $3,105 | $4,004 |
| Florida | $2,780 | $3,837 | $5,028 |
| Georgia | $2,303 | $3,433 | $3,412 |
| Hawaii | $875 | $1,214 | $939 |
| Idaho | $1,557 | $2,059 | $2,543 |
| Illinois | $1,663 | $2,461 | $2,812 |
| Indiana | $1,685 | $2,573 | $2,937 |
| Iowa | $1,351 | $1,816 | $2,170 |
| Kansas | $1,782 | $2,607 | $3,021 |
| Kentucky | $2,535 | $3,801 | $4,440 |
| Louisiana | $3,314 | $4,996 | $5,404 |
| Maine | $1,241 | $1,740 | $2,527 |
| Maryland | $2,054 | $2,936 | $3,273 |
| Massachusetts | $1,638 | $2,795 | $1,631 |
| Michigan | $3,915 | $5,985 | $9,417 |
| Minnesota | $1,618 | $2,137 | $3,048 |
| Mississippi | $1,962 | $2,764 | $2,795 |
| Missouri | $1,839 | $2,630 | $3,464 |
| Montana | $1,890 | $2,635 | $3,037 |
| Nebraska | $1,541 | $2,341 | $2,544 |
| Nevada | $2,645 | $3,862 | $4,066 |
| New Hampshire | $1,835 | $2,879 | $3,600 |
| New Jersey | $1,992 | $3,122 | $4,098 |
| New Mexico | $2,036 | $3,044 | $3,138 |
| New York | $1,912 | $2,405 | $3,972 |
| North Carolina | $1,156 | $2,021 | $1,441 |
| North Dakota | $1,569 | $2,442 | $2,873 |
| Ohio | $1,475 | $2,233 | $2,286 |
| Oklahoma | $2,270 | $3,254 | $3,713 |
| Oregon | $2,077 | $2,764 | $3,334 |
| Pennsylvania | $1,714 | $2,556 | $2,981 |
| Rhode Island | $2,923 | $4,242 | $4,797 |
| South Carolina | $2,006 | $2,744 | $3,797 |
| South Dakota | $1,796 | $2,560 | $2,975 |
| Tennessee | $2,086 | $3,098 | $4,112 |
| Texas | $2,097 | $3,026 | $3,784 |
| Utah | $1,786 | $2,517 | $3,493 |
| Vermont | $1,363 | $2,134 | $2,245 |
| Virginia | $1,330 | $2,015 | $1,981 |
| Washington | $1,743 | $2,315 | $2,768 |
| West Virginia | $1,745 | $2,441 | $3,096 |
| Wisconsin | $1,693 | $2,696 | $3,087 |
| Wyoming | $1,632 | $2,275 | $2,410 |
Find Affordable Toyota Tacoma Car Insurance Rates
Cheapest Car Insurance Companies For A Toyota Tacoma
If you’re planning to purchase a new car insurance policy for your Toyota Tacoma, it’s helpful to know which providers offer the most affordable rates. For drivers focused on cost, MetroMile offers the lowest average premium at just $24 per month, making them the cheapest option for insuring a Toyota Tacoma. However, insurance rates can vary depending on your individual driving profile, so this figure is only a general estimate. To find the most accurate and affordable rate for your specific situation, the best strategy is to shop around and compare quotes from multiple insurance companies.
| Company | Average Monthly Rate |
| MetroMile | $24 |
| Hallmark | $50 |
| Hugo | $47 |
| Commonwealth Casualty | $55 |
| Aspire | $50 |
Common Toyota Tacoma Insurance Discounts
Discounts can be a great way to reduce your car insurance costs. While each insurance company offers its own set of discounts, there are several common ones you may be eligible for. For instance, bundling your home and auto insurance policies with the same provider can often lead to a multi-policy discount. Choosing to pay your premium in full annually, rather than in monthly installments, can also result in savings. Additionally, completing a defensive driving course from a certified provider can make you eligible for further discounts. Beyond these, there may be other discounts available based on your specific situation. It’s a good idea to speak with your insurance agent to explore all the discount options you qualify for.
Ways To Save On Toyota Tacoma Insurance Costs
Maintaining a clean driving record is one of the most effective ways to keep your Toyota Tacoma insurance costs low. Any infractions, such as speeding tickets or accidents, can cause your premiums to rise. For example, Tacoma drivers with a ticket on their record typically pay about $96 per month, while those with multiple accidents may see rates increase to an average of $112 per month. On the other hand, driving less can also help lower your insurance costs. Since drivers who are on the road less often are at a reduced risk of accidents, they generally pay less. Toyota Tacoma owners who drive between 5,000 and 7,500 miles per year pay around $65 per month for insurance, compared to $75 per month for those who drive over 10,000 miles annually.
Compare Toyota Tacoma To Other Toyota Models
Looking for other Toyota model insurance costs?
- Toyota 4Runner Car Insurance
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Our Methodology
To determine the average cost of car insurance, Insuranceopedia compiled thousands of quotes from top auto insurance companies. The sample profile used for this analysis was a 40-year-old male driver purchasing full-coverage insurance with $100,000 in property damage liability, $100,000 in bodily injury liability, and a $1,000 deductible. Keep in mind that the rates provided in this guide are based on that sample and may vary depending on your unique driver profile and circumstances.
Quotes Analyzed
Brands Reviewed
Research Hours
Years Of Experience
FAQs
Do You Need Insurance Before You Can Purchase A Toyota Tacoma?
Yes, you’ll need to show proof of insurance before driving your Toyota Tacoma off the dealership lot. The best approach is to purchase a policy in advance and inform your insurance provider that you’re about to buy a new vehicle. This way, you can avoid the often more expensive coverage offered directly by dealerships.
How Can You Get The Cheapest Insurance For Your Toyota Tacoma?
The most effective way to secure the lowest insurance rates for your Toyota Tacoma is to shop around and compare quotes from various auto insurance providers. Luckily, Insuranceopedia makes this process easy by allowing you to compare rates from multiple insurers directly on our website.
