Vehicles > Toyota > Tacoma

Toyota Tacoma Insurance Cost

Comparing car insurance by getting online quotes is easy and there is a good chance you will probably save money. The key is to take the time to get rates from all companies so you can compare all possible prices.

Beginners to shopping for insurance may think purchasing low-cost Tacoma insurance is nearly impossible. To find the best car insurance prices, there are several ways to compare rate quotes from car insurance companies in your area. The easiest way by far to find the lowest Tacoma insurance rates involves getting comparison quotes online. This can be accomplished by visiting this page.

Insurance rates on a Toyota Tacoma can vary widely based upon several criteria. Some of these factors include:

  • Your driving record
  • Credit rating
  • Male drivers pay higher rates
  • Higher deductibles save money
  • Safety rating of your Tacoma
  • Your profession
  • The amount of protection requested
  • Whether you own your home

One last important factor that can impact the rate you pay on your Toyota is the year of manufacture. Used vehicles cost less so the cost to replace them will push premiums down. But new Toyota models may have options including traction control, adaptive headlights, and automatic crash notification which can provide discounts that lower premiums.

To get more specific information about how rates are influenced for your specific model year, select the year of your vehicle below.

Liability

Liability insurance provides protection from damage that occurs to people or other property. Liability coverage pays for things like legal defense fees, bail bonds, and repair bills for other people's vehicles. Liability insurance is relatively cheap so purchase higher limits if possible.

Collision protection

This coverage pays to fix your vehicle from damage resulting from a collision with another car or object. You will need to pay your deductible and then insurance will cover the remainder. Collision coverage for your Tacoma can be pricey, so consider dropping it from vehicles that are 8 years or older. Another option is to choose a higher deductible to save money on collision insurance.

Comprehensive or Other Than Collision

This coverage will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible then the remaining damage will be covered by your comprehensive coverage. The maximum payout you'll receive from a claim is the actual cash value, so if the vehicle is not worth much consider removing comprehensive coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection when the "other guys" either have no liability insurance or not enough. Because many people only purchase the least amount of liability that is required, it doesn't take a major accident to exceed their coverage limits. For this reason, having high UM/UIM coverages is a good idea.

Medical costs insurance

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for things like nursing services, prosthetic devices, and dental work. The coverages can be used in conjunction with a health insurance policy or if there is no health insurance coverage. PIP is not universally available but can be used in place of medical payments coverage.

How Much are Toyota Tacoma Insurance Rates?