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Toyota Tacoma car insurance: cost and quotes

Written by

Ashlyn Brooks

Edited by

Amelia Buckley

Edited by

Amelia Buckley

Updated Mar 27, 2025

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How much does it cost to insure a Toyota Tacoma?

According to rates we source from Quadrant Information Services, full coverage insurance for a Toyota Tacoma averages $2,352 per year or $196 per month.

However, what you actually pay will vary based on a few key factors:

Driving record: A history of accidents or violations (speeding tickets for example) can drive up rates, while a clean record often leads to savings.
Location: Urban areas or regions with higher theft rates can mean higher premiums.

Trim level: Models like the TRD Pro or Trailhunter, packed with off-road features and specialty parts, may cost more to insure.

$2,352 Avg annual full coverage
insurance premium

$790 Avg annual min coverage
insurance premium

Manufacturer's suggested retail price: Starting at $31,590

Trims available: SR, SR5, TRD (PreRunner, Sport and Off-Road), Limited, Trailhunter and TRD Pro

Repair Costs

Toyota is the most popular car brand in the U.S., helping make repairs accessible and potentially bringing down insurance costs.

Safety Features

Newer Tacomas have a suite of driver assistance safety features that may help avoid crashes, but these can be costly to repair if damaged.

Crash ratings

The Tacoma consistently makes the IIHS Top Safety Pick list for small pickups. Safer cars generally see lower insurance costs.

Cheapest car insurance companies for a Toyota Tacoma

Finding budget-friendly auto insurance for your Tacoma usually starts with shopping around. Insurers all have unique parameters for assessing risk, and some might offer better discounts or rates for your personalized driving history.

Below you'll find a comparison of top-rated insurance providers offering competitive coverage options for the Toyota Tacoma.

How much does it cost to insure my Toyota Tacoma?

Comparing average Tacoma insurance costs can be a good starting point, but keep in mind that your quotes will vary greatly based on factors like your ZIP code, vehicle year, driving record and more.


Secura	$1,150	- $1,202
Auto-Owners	$1,621	- $731
NJM	$1,626	- $726
USAA	$1,826	- $526
Grange Insurance	$1,797	- $555

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Other car insurance coverage for a Toyota Tacoma

Finding cheap coverage is great, but remember that opting for minimum coverage could leave you on the hook for costly repairs. To better protect your bank account and your vehicle, here are some coverage options that might be worth considering:

Comprehensive coverage: Helps cover damage from theft, vandalism, hail, fire and hitting an animal.
Collision coverage: Pays for repairs or replacement if your Tacoma is involved in an accident, no matter who’s at fault.
Gap insurance: If your truck is financed or leased, this coverage can help cover the difference between its remaining loan balance and its depreciated value if it’s totaled.
Custom parts and equipment coverage: Could be worth considering if you’ve added aftermarket upgrades like lift kits, off-road tires or roof racks.

Roadside assistance: For Tacoma owners who venture off-road or take long trips, providing peace of mind for unexpected breakdowns.

How to get a Toyota Tacoma car insurance quote

You can get an insurance quote for your car online, over the phone or in person, depending on the insurer. If you're in the market for a new vehicle, comparing quotes before you sign on the dotted line can help you determine how different models would fit into your budget. Here’s a step-by-step guide to gathering and comparing quotes:

Gather personal details: You’ll likely be asked to provide your name, address, date of birth and driver’s license number, as well as the make, model and year of your car — and potentially the vehicle identification number (VIN). If you haven't purchased a car yet, you may be able to get sample quotes by providing an agent with the make and model.
Use online quote tools: To expedite the process of shopping around, you might consider using comparison websites or apps that allow you to get quotes from multiple insurers at once. Alternatively, go directly to insurance company websites and use their online quote tools to receive personalized quotes.
Provide driver details and mileage: You could be asked for specific details about your vehicle, including add-on features or modifications. You might also need to provide your average annual mileage and how the vehicle is primarily used (e.g., for business purposes or personal use). Additionally, you’ll need to provide accurate information about all drivers who will be covered by the policy, including their driving history, age and relationship to you.
Review quotes: Compare the quotes you receive, paying attention to coverage options, limits, deductibles and overall cost. Insurance experts also recommend reviewing customer service scores, financial strength ratings, digital tools and customer reviews to get a holistic view of how a carrier will meet your needs.

Select carrier and apply: Choose the insurance policy that best fits your needs and budget. Complete the application process by providing any additional required information and making your first premium payment.

Compare Toyota Tacoma with other similar cars

Toyota Tacoma Avg annual full coverage premium $2,352 Read More	Ford Ranger Avg annual full coverage premium $2,419 See more models	Chevrolet Colorado Avg annual full coverage premium $2,396 See more models
Price (MSRP)
$31,590	$33,080	$31,900
NHTSA Safety rating The NHTSA uses a 5-star rating program to evaluate how vehicles perform in crash tests based on frontal, side and rollover collisions.
4 stars	4 stars	4 stars
Gas mileage
20-24 combined city/hwy MPG	17-22 combined city/hwy MPG	16-22 combined city/hwy MPG
IIHS/HLDI Collision insurance losses The IIHS and HLDI collect data on how insurance losses for specific models compare to the average for all passenger vehicles. These results are adjusted for deductible and specifically for collision claim losses.
Average to better than average	Average to better than average	Better than average

Frequently asked questions

Full coverage insurance for a Tacoma averages $2,678 per year. This is 12 percent less than the national average. Minimum coverage averages $790 per year, 1 percent less than the national average.
If you’re looking to cut down on Tacoma insurance costs, a great place to start is by comparing quotes — rates can vary more than you’d think between providers. Bundling your auto policy with your home or renters insurance could score you a discount, and keeping a clean driving record is always advisable to help keep rates down. If you don’t put a lot of miles on your vehicle, a usage-based insurance program might be worth considering, since it adjusts your rate based on how much and how safely you drive. Raising your deductible can also lower your premium, but make sure you’ve got enough set aside to cover the cost if you ever need to file a claim.
In most cases, yes — older Tacomas usually cost less to insure since their value drops over time. But it’s not just about age; things like the theft rate, safety features and repair costs still play a role in your premium. Tacomas tend to hold their value well, which could make them more expensive to insure than other models from the same year. Even if your truck is getting up there in years, the cost of comprehensive and collision coverage is still likely lower than the vehicle's value, so the coverage may be worth keeping.

Bankrate utilizes Quadrant Information Services to analyze March 2025 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Rates are weighted based on the population density in each geographic region. Quoted rates for our base profile are based on the following characteristics and full coverage limits with bundling and paperless billing discounts applied:

40 year old

Single male and female driver

2023 Toyota Camry

Primary vehicle

Good credit score

Clean driving record

Commutes 5 days

Bodily injury liability

$100,000 per person
$300,000 per accident

Property damage liability

$50,000 per accident

Personal injury protection

$100,000 per accident

Uninsured motorist bodily injury

$100,000 per person
$300,000 per accident

Collision deductible

$500

Comprehensive deductible

$500

To determine minimum coverage limits, Bankrate used minimum coverage that meets each state’s requirements. These are sample rates and should only be used for comparative purposes. Your quotes will differ.

If otherwise specified, the base profile has been modified with the following driver characteristics:

Other profiles

Rates were calculated based on the following insurance credit tiers assigned to our drivers: “poor, average, good (base) and excellent.” Insurance credit tiers factor in your official credit scores but are not dependent on that variable alone. Four states prohibit or limit the use of credit as a rating factor in determining auto insurance rates: California, Hawaii, Massachusetts and Michigan.
Rates were calculated by evaluating our base profile with the following incidents applied: clean record (base), at-fault accident, single speeding ticket, single DUI conviction and lapse in coverage.
Rates were calculated by evaluating our base profile with the following differences in mileage: 2K, 5K, 12K (base), 15K and 20K.
Unless otherwise stated, rates are for 2023 vehicle models. For new vs used vehicles, we included the following year in our calculations: 2013.
Rates were calculated by evaluating our base profile with the ages 18-70 (base: 40 years) applied. Depending on age, drivers may be a renter or homeowner. Age is not a contributing rating factor in Hawaii and Massachusetts due to state regulations. For teen drivers, rates were determined by adding a 16- or 17-year-old teen to their 40-year-old married parents' policy. The rates displayed reflect the total cost of a driver this age added to their parents’ policy.
The following states do not use gender as a determining factor in calculating premiums: California, Hawaii, Massachusetts, Michigan, North Carolina, Pennsylvania.
Rates were evaluated based on the following marital/family status: single (base), married, 40-year-old married man and woman. Marital status is not a rating factor in Hawaii and Massachusetts.