Toyota Tacoma Insurance Cost
Toyota Tacoma insurance costs can be a key part of your purchase budget. Below is a quick, buyer-friendly breakdown of what Tacoma owners commonly pay and how to keep premiums low.
Typical Costs
Full coverage (average): ~$112/month or ~$1,338/year.
Liability only (older Tacomas): ~$45/month or ~$536/year.
Sample Year-by-Year Quotes (Selected)
Actual rates vary by driver, garaging ZIP, coverage, and insurer. Use these as directional benchmarks.
2018 Tacoma: GEICO ~$528/yr, State Farm ~$771/yr, Erie ~$777/yr, USAA ~$790/yr, Progressive ~$816/yr, Nationwide ~$921/yr, American Family ~$1,025/yr.
2017 Tacoma: GEICO ~$511/yr, State Farm ~$679/yr, Erie ~$713/yr, USAA ~$722/yr, Progressive ~$748/yr, Nationwide ~$926/yr.
2016 Tacoma: GEICO ~$477/yr, State Farm ~$638/yr, Erie ~$666/yr, USAA ~$712/yr, Progressive ~$737/yr.
2015 Tacoma: GEICO ~$508/yr, Erie ~$620/yr, State Farm ~$681/yr, USAA ~$683/yr.
Shop our inventory to see current asking prices alongside your insurance budgeting:
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What Drives the Price
Model year: Newer Tacomas usually cost more to insure than older ones. For example, a 2013 often averages ~$1,220/yr—typically less than a 2020.
Driving record: Clean history can save ~$500+/yr versus drivers with claims/violations.
Safety & anti-theft: Features like airbags, ABS, stability control, lane departure alert, DRCC, and anti-theft devices can lower premiums.
Why Tacoma Often Insures Well
Strong safety scores: Acceptable small-overlap performance (IIHS) and 4–5 star NHTSA ratings (varies by year/trim) help keep rates competitive.
Repair costs & reliability: Mainstream parts and robust reliability can moderate claim severity compared with some rivals.
Ways to Lower Your Tacoma Insurance
Ask about low-mileage, good-driver, and education/age discounts.
Bundle auto with home/renters; raise deductibles if appropriate.
Install anti-theft devices; park in a garage when possible.
Choose trims with more standard safety tech.
Verify clean vehicle history to avoid insuring hidden issues.
Cars That Typically Cost Less to Insure
Vehicles like Subaru Outback/Forester, Honda CR-V, Ford Escape/F-150, Chevy Equinox, Jeep Wrangler/Cherokee, and Toyota Tacoma often rank among lower-cost picks, driven by claim data and repair economics.
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