The Toyota Tacoma is one of America’s most cherished pickups, celebrated for its unrestrained character and timeless durability. But, while there may be much to love with its dependability and off-road appeal, there’s one thing on nearly everyone’s mind before purchasing it: How much does Toyota Tacoma insurance cost? At toyotainsurance.info, this guide cuts through the real numbers, rates by model year, and reasons why premiums might feel higher than anticipated. For more information, explore the 7 Smart Reasons to Choose Toyota Auto Insurance Today.
Cost of Toyota Tacoma Insurance
For full coverage, the average Toyota Tacoma auto insurance premium is $1,104 annually, or $92 per month. Of course, exact premiums are affected by age, location, driving history, and trim level.
Some insurers provide consistently lower prices:
USAA: One of the most affordable places to buy car insurance for the Toyota Tacoma, with liability rates as low as $56 per month on average.
State Farm: A great place to look if you want a relatively cheap full coverage policy; it offers premiums averaging about $135.
GEICO: Known for their competitive rates, on average $140 for full Tacoma coverage. Click on this for hacks to save money, like 7 Urgent Toyota Insurance Hacks You Need Now!
These averages are based on aggregated data from national resources, including Insurify’s proprietary database of over 90 million car insurance applications/quotes, from which the state draws activity data.
Why Is Toyota Tacoma Insurance So Expensive?
With that in mind, the question many ask is, “Why is Toyota Tacoma insurance so expensive?” Trucks like the Tacoma can be more costly to insure than sedans since:
Bodywork is more costly to repair.
Higher claim rates are generally a characteristic of the most off‑road trim levels (such as TRD Pro).
Trucks are often used in both urban and rural environments, raising the potential for accidents.
Yes, the safety ratings are jolly good, but the replacement parts remain dear.
In other words, the Tacoma might not sip fuel like a hybrid, but on the insurance side, it certainly sips an extra from your wallet.
Toyota Tacoma Car Insurance Cost by Model Year
Insurance premiums will vary by model year of your Tiguan, due in part to the MSRP, safety equipment, and claim statistics. Here’s a recap:
2023 Toyota Tacoma Insurance
Rates vary from $56 for liability coverage with USAA to $307 for full coverage with The General.
All seven models (SR through TRD Pro) have varying prices.
2022 Toyota Tacoma Insurance
Average MSRP: $26,500.
USAA liability: $49 | Travellers full coverage: $214.
2021 Toyota Tacoma Insurance
Six trims are available.
The General’s entire coverage ranges from $260 to $47 liability (USAA).
2020 Toyota Tacoma Insurance
Same spread: $47 liability with USAA, full coverage tops out at about $257.
2019 Toyota Tacoma Insurance
Cost coverage is available at $99-$249 for full policy costs, depending on the company.
2018 Toyota Tacoma Insurance
USAA rates for full coverage start at $91 this year, making it an affordable year.
2017 Toyota Tacoma Insurance
USAA liability: $41; The General full coverage: $224.
2016 Toyota Tacoma Insurance
USAA, which is well-known for its designs, only charges $41 for liability.
2015 Toyota Tacoma Insurance
You’ll pay as little as $38 in liability rates for car insurance, but the lower MSRP also makes it more affordable if you have to pay for repairs out of pocket.
2014 Toyota Tacoma Insurance
Depending on the business, full coverage is from $83 to $209, while average responsibility ranges from $38 to $52.
Toyota Tacoma model year comparison – toyotainsurance.info
Average Insurance Rates for Toyota Tacoma Average insurance rates for a Toyota Tacoma aren’t cheap!
In general, the average insurance premium for all American drivers of Toyota Tacomas ranges from:
$1,100 to $1,500 annually for liability
$1,800–$2,400 per year (full coverage)
That puts the Tacoma on the expensive side of the insurance scale when compared with small sedans but cheaper to insure than most luxury SUVs.
So, back to the question, “Is the Toyota Tacoma expensive to insure?” — the answer is “a little, but not crazily much.” This tends to place them somewhere in the middle tier of trucks.
Toyota Tacoma Car Insurance Coverage
Basic liability coverage is required for all Tacoma drivers, but many savvy buyers opt for more coverage:
Insurance for collisions (to repair damage caused after an accident)
All-peril (the “oops, a tree fell on it” defence)
coverage gaps in the event that the truck has been rented or financed]).
Roadside assistance and towing coverage (AAA is popular)
Uninsured/underinsured motorist for high‑risk states
Because the Tacoma is also very popular with off‑roaders, we see a lot of our owners tilt toward full coverage, just in case.
Toyota Tacoma car insurance coverages overview – toyotainsurance.info
FAQs About Toyota Tacoma Insurance
What is the cost of auto insurance for a Toyota Tacoma?
National average monthly car insurance payments by driver profile—and for a driver with less traditional coverage: 40-year-old driver, liability only: $79 40-year-old driver, full coverage: $133 25-year-old driver, liability only: $84 25-year-old driver, full coverage:$183 Most drivers pay between Liability: $58-$147 Full coverage: $79-$204 Remember, these are averages—your quotes will be influenced by a number of individual factors, including your state and what your policy covers.
How much is insurance for a 2023 Toyota Tacoma?
Liability: $56–$149 Full: $122–$307 Will vary between insurers.
Who offers the most affordable Toyota Tacoma auto insurance?
(In general, USAA has the cheapest rates, exclusive to military families.) State Farm and GEICO are generally affordable for others.
Do you pay by model year?
Yes—more recent models are often slightly more expensive due to a higher MSRP and expensive tech repair costs.
The Bottom Line
Toyota Tacoma insurance can feel more expensive when compared to your neighbor’s Corolla. Still, it doesn’t have to be challenging to manage if drivers know the rate factors when quoting coverage—resources like toyotainsurance.info help owners compare insurance rates for the Toyota Tacoma, discover the cheapest auto insurance quotes, and whether they are paying more than the actual market average.
Though your mileage may vary, depending on the trim you select, what your insurer charges, and what year your Tacoma is, the costs vary widely—but being able to rest easy, for most, is worth it. After all, a truck designed to survive decades deserves coverage that’s just as reliable.
learned about best providers for Tacoma, may click to read about Toyota’s own insurance services next.