Toyota Tacoma insurance costs average $96 monthly for minimum coverage and $187 for full coverage. Depending on your specific trim and model year, costs can range from $54 monthly for minimum coverage on a 2020 Toyota Tacoma to $331 monthly for full coverage on a 2025 Toyota Tacoma.
Toyota Tacoma Insurance Cost
Updated: November 15, 2025
Key Takeaways
Toyota Tacoma insurance costs range from $89 to $331 monthly on average, with rates varying based on specific trim level and model year you choose.
The Toyota Tacoma ranks 456th out of 827 vehicle models for insurance affordability in the United States vehicle market, placing it in the middle range for costs.
GEICO provides the most affordable Toyota Tacoma coverage with full coverage at $136 monthly and minimum coverage starting at $63 monthly.
How Much Is Toyota Tacoma Insurance?
| Toyota Tacoma | $96 | $187 |
Toyota Tacoma Insurance Cost by Model Year
Your Toyota Tacoma's model year and available trim options directly impact insurance rates, with newer models generally costing more due to higher replacement values. Monthly insurance costs for Tacoma owners range from $81 for certain model years to $245 for the newest versions.
| 2025 | $120 | $233 |
| 2024 | $126 | $245 |
| 2023 | $97 | $189 |
| 2022 | $92 | $179 |
| 2021 | $85 | $166 |
| 2020 | $81 | $156 |
| 2019 | $93 | $180 |
| 2018 | $95 | $184 |
| 2017 | $93 | $181 |
| 2016 | $89 | $172 |
| 2015 | $94 | $181 |
| 2014 | $97 | $188 |
| 2013 | $96 | $185 |
| 2012 | $97 | $187 |
| 2011 | $87 | $167 |
| 2010 | $94 | $182 |
| 2009 | $89 | $172 |
| 2008 | $84 | $162 |
| 2007 | $85 | $164 |
| 2006 | $83 | $161 |
| 2005 | $85 | $165 |
| 2004 | $119 | $230 |
| 2003 | $109 | $209 |
| 2002 | $105 | $201 |
| 2001 | $100 | $192 |
| 2000 | $87 | $168 |
Toyota Tacoma Insurance Cost by Trim
Your Toyota Tacoma's trim level affects insurance costs based on the vehicle's features, value and desirability. Monthly premiums range from $71 for basic trims to $330 for high-end models like the TRD Pro, creating a cost difference worth considering when choosing your truck.
| Regular Cabshort Bed | $71 | $137 |
| Access Cab Trd Pro Pickup 4d 6 Ft | $73 | $142 |
| Access Cab Sr Pickup 4d 6 Ft | $77 | $149 |
| Access Cab Sr5 Pickup 4d 6 Ft | $81 | $156 |
| Regular Cabprerunner Short Bed | $83 | $159 |
| Double Cab Sr Pickup 4d 5 Ft | $85 | $164 |
| Regular Cabickup 2d 6 Ft | $85 | $164 |
| Xtracab Sr | $85 | $166 |
| Access Cab Prerunner Pickup 4d 6 Ft | $86 | $167 |
| Access Cab X-Runner Pickup 4d 6 Ft | $87 | $168 |
| Double Cab Pickup 4d 6 Ft | $88 | $170 |
| Double Cab Sr5 Pickup 4d 5 Ft | $88 | $171 |
| Access Cab Trd Sport Pickup 4d 6 Ft | $88 | $171 |
| Double Cab Sr | $89 | $173 |
| Regular Cabpickup 2d 6 Ft | $90 | $175 |
| Double Cab Sr5 Pickup 4d 6 Ft | $90 | $176 |
| Double Cab Trd Sport Pickup 4d 5 Ft | $91 | $176 |
| Double Cab Trd Off-Road Pickup 4d 5 Ft | $91 | $177 |
| Access Cab Sr Pickup 4d 5 Ft | $91 | $177 |
| Double Cab Prerunner Pickup 4d 6 Ft | $91 | $176 |
| Access Cab Pickup 4d 6 Ft | $91 | $177 |
| Access Cab Trd Off-Road Pickup 4d 6 Ft | $92 | $178 |
| Double Cab Prerunner Pickup 4d 5 Ft | $92 | $177 |
| Xtracab Prerunner Pickup | $92 | $177 |
| Double Cab Pickup 4d 5 Ft | $93 | $180 |
| Xtracab Prerunner | $94 | $181 |
| Xtracab Pickup | $94 | $181 |
| Double Cab Trd Sport Pickup 4d 6 Ft | $94 | $183 |
| Double Cab Trd Off-Road Pickup 4d 6 Ft | $96 | $186 |
| Xtracab Sr5 | $97 | $188 |
| Regular Cabprerunner Pickup 2d 6 Ft | $98 | $190 |
| Double Cab Trail Special Edition Pickup 4d 5 Ft | $98 | $190 |
| Double Cab Sr5 | $98 | $191 |
| Double Cab Limited Pickup 4d 6 Ft | $101 | $197 |
| Xtracab Trd Prerunner | $102 | $199 |
| Double Cab Trd Sport | $104 | $202 |
| Double Cab Trd Pro Pickup 4d 5 Ft | $104 | $202 |
| Xtracab Pickup 2d 6 Ft | $105 | $203 |
| Xtracab S-Runner | $106 | $203 |
| Double Cab Limited Pickup 4d 5 Ft | $107 | $208 |
| Double Cab Prerunner 4d | $108 | $207 |
| Xtracab Prerunner Pickup 2d 6 Ft | $109 | $210 |
| Double Cab Prerunner Limited 4d | $109 | $210 |
| Double Cab Trd Off-Road | $110 | $214 |
| Xtracab Limited | $112 | $215 |
| Xtracab Limited Pickup | $112 | $216 |
| Double Cab 4wd 4d | $113 | $216 |
| Xtracab S-Runner Pickup | $114 | $219 |
| Double Cab Trd Sport I-Force Max | $121 | $234 |
| Double Cab 4wd Limited 4d | $122 | $235 |
| Double Cab Trd Off-Road I-Force Max | $122 | $238 |
| I-Force Max Double Cab Trd Sport | $123 | $239 |
| I-Force Max Double Cab Trd Off-Road | $124 | $240 |
| Double Cab Prerunner Limited Pickup 4d 5 Ft | $126 | $243 |
| Xtracab Limited Pickup 2d 6 Ft | $133 | $256 |
| Xtracab S-Runner Pickup 2d 6 Ft | $134 | $257 |
| Double Cab Limited | $138 | $268 |
| Double Cab Limited I-Force Max | $146 | $284 |
| I-Force Max Double Cab Limited | $147 | $286 |
| Double Cab Trailhunter I-Force Max | $164 | $320 |
| I-Force Max Double Cab Trailhunter | $166 | $323 |
| I-Force Max Double Cab Trd Pro | $169 | $328 |
| Double Cab Trd Pro I-Force Max | $170 | $330 |
Toyota Tacoma Insurance Cost by Company
Toyota Tacoma insurance costs vary by provider from $100 to $239 monthly. Minimum coverage ranges from $63 to $162, while full coverage costs $136 to $341. Rates vary due to different risk assessment models.
| GEICO | $63 | $136 |
| Travelers | $83 | $154 |
| State Farm | $92 | $191 |
| Progressive | $93 | $173 |
| Kemper | $101 | $206 |
| The Hartford | $104 | $177 |
| Nationwide | $110 | $190 |
| AAA | $110 | $228 |
| Amica | $124 | $253 |
| Allstate | $125 | $241 |
| Chubb | $130 | $259 |
| AIG | $138 | $341 |
| Farmers | $144 | $253 |
| UAIC | $162 | $204 |
Toyota Tacoma Insurance Cost by State
Toyota Tacoma insurance costs vary by state, ranging from $35 monthly in Wyoming to $406 in Louisiana.
| Alabama | $83 | $156 |
| Alaska | $69 | $147 |
| Arizona | $117 | $219 |
| Arkansas | $79 | $177 |
| California | $93 | $189 |
| Colorado | $92 | $221 |
| Connecticut | $132 | $227 |
| Delaware | $133 | $224 |
| District Of Columbia | $95 | $176 |
| Florida | $124 | $287 |
| Georgia | $141 | $232 |
| Hawaii | $51 | $114 |
| Idaho | $53 | $108 |
| Illinois | $88 | $164 |
| Indiana | $63 | $123 |
| Iowa | $53 | $129 |
| Kansas | $69 | $161 |
| Kentucky | $118 | $200 |
| Louisiana | $190 | $406 |
| Maine | $50 | $104 |
| Maryland | $147 | $248 |
| Massachusetts | $97 | $205 |
| Michigan | $149 | $287 |
| Minnesota | $80 | $166 |
| Mississippi | $85 | $168 |
| Missouri | $113 | $227 |
| Montana | $69 | $164 |
| Nebraska | $70 | $158 |
| Nevada | $169 | $305 |
| New Hampshire | $67 | $119 |
| New Jersey | $155 | $256 |
| New Mexico | $79 | $177 |
| New York | $118 | $213 |
| North Carolina | $79 | $156 |
| North Dakota | $58 | $126 |
| Ohio | $73 | $142 |
| Oklahoma | $89 | $198 |
| Oregon | $115 | $200 |
| Pennsylvania | $82 | $192 |
| Rhode Island | $119 | $212 |
| South Carolina | $96 | $180 |
| South Dakota | $53 | $160 |
| Tennessee | $75 | $151 |
| Texas | $120 | $245 |
| Utah | $104 | $178 |
| Vermont | $44 | $106 |
| Virginia | $91 | $147 |
| Washington | $88 | $163 |
| West Virginia | $82 | $167 |
| Wisconsin | $62 | $138 |
| Wyoming | $35 | $110 |
Toyota Tacoma Insurance Cost by Driver Profile
Your age and driving record heavily influence Toyota Tacoma insurance costs. Young drivers under 25 with clean records pay around $359 monthly, while adult drivers between 26-64 without violations pay just $142 monthly for coverage.
| Adult Drivers | $96 | $187 |
| Young Drivers | $246 | $472 |
| Senior Drivers | $129 | $236 |
| Drivers With a Speeding Ticket | $120 | $234 |
| Drivers With an Accident | $142 | $273 |
| Drivers With a DUI | $177 | $339 |
| Drivers With Bad Credit | $231 | $464 |
Is a Toyota Tacoma Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Toyota Tacoma ranks 456th out of 827, making it one of the more expensive cars to insure. Among midsize pickup trucks, the model ranks as the second most expensive among similar vehicles.
| Suzuki SX4 | $62 | $119 |
| Suzuki Equator | $69 | $133 |
| Isuzu I-290 | $71 | $137 |
| Honda Ridgeline | $79 | $153 |
| Chevrolet Colorado | $79 | $154 |
| Ram Dakota | $81 | $156 |
| Dodge Dakota | $82 | $159 |
| Ford Ranger | $86 | $166 |
| Gmc Canyon | $86 | $167 |
| Nissan Frontier | $87 | $168 |
| Mitsubishi Raider | $92 | $178 |
| Toyota Tacoma | $96 | $187 |
| Jeep Gladiator | $102 | $197 |
Factors That Affect Toyota Car Insurance Costs
Several factors affect what you'll pay for Toyota Tacoma insurance coverage:
- Age (younger drivers under 25 to 30): Younger drivers pay more due to higher risk and less driving history.
- Driving record: Clean records reduce premiums; past accidents, tickets or claims increase them substantially.
- Trim/usage behavior: Owners choosing higher-trim or off-road/hybrid versions, or using the vehicle for towing, off-road, or performance tasks, tend to incur higher insurance.
- Annual mileage & type of driving: More commuting miles, work use, frequent off-road or rugged terrain driving raise risk; lower mileage and gentler use tend to reduce insurance costs.
Average Repair or Replacement Costs
Toyota ranks 1st in repair affordability among 59 U.S. automakers with median annual costs of $478. Toyota Tacoma repair costs average $808 annually, making it one of Toyota's most expensive models to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The Tacoma has trims such as SR, SR5, TRD PreRunner, TRD Sport / TRD Sport i-Force Max, and TRD Pro. Lower trims include standard safety features, touchscreen infotainment, basic lighting and simpler interior materials.
Higher trims add LED fog lights, upgraded multimedia screens, off-road suspensions, more powerful engines, bed tie-downs and hybrid or i-Force Max power in the TRD Pro.
Fuel Type
Tacomas use gasoline, with some trims offering hybridized power (e.g. i-Force Max). Fuel economy drops for heavier, 4WD or off-road ready trims, especially with towing or cargo load.
Location
Insurance and repair costs depend heavily on geography. In metropolitan areas or places with high theft/accident risk, premiums are higher. Remote/rural areas may face higher parts and labor costs, and access to specialized off-road or hybrid services can matter.
Driver Profile
These driver traits tend to affect Tacoma insurance rates:
How to Lower the Cost of Toyota Tacoma Insurance
Below we break down the best way to buy car insurance for your Toyota Tacoma:
- 1Choose the right coverage
How much coverage you need for your Toyota depends on its value, how often you drive and what your budget can support. You can stay with state minimum liability and a $1,000 deductible or move to 100/300/100 with a $500 deductible, and lenders may require gap insurance if you are financing or leasing.
- 2Research costs and cheap companies
Researching average auto insurance costs for your car will let you know how much you're saving currently and with another provider. Then you can look for the cheapest car insurance companies.
- 3Look for more than just low rates
To get the most balanced car insurance for your Toyota Tacoma, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles. Some low-cost insurers have slower claim processing times or limited coverage options that can leave you underinsured in an accident.
- 4Explore discounts you qualify for
Toyota Tacoma owners can lower their insurance costs by using discounts tied to multiple vehicles, bundled policies, clean driving records, Toyota Safety Sense tech and low annual mileage. Since many Tacoma drivers are experienced, own property and put fewer miles on their trucks, these savings tend to stack easily and reduce overall premiums.
- 5Consider alternative car insurance types
Toyota Tacoma owners should consider Toyota Insurance (where available) for vehicle-specific coverage and competitive rates, or usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6Check rates every year
Comparing car insurance quotes from multiple sources can cut your Toyota Tacoma insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Toyota Tacoma Insurance Cost: Bottom Line
Insuring a Toyota Tacoma costs more than average, but you can still find decent rates. Shop multiple companies, look into discounts and consider different coverage options to get the best insurance rate for your car.
Toyota Tacoma Insurance Rates: FAQ
Here are answers to common questions about insuring a Toyota Tacoma.
What is the average cost of car insurance for a Toyota Tacoma?
The Toyota Tacoma's average annual insurance cost is $1,157 for state minimum and $2,241 for full coverage
What company has the cheapest car insurance for a Toyota Tacoma?
GEICO offers the most affordable Tacoma car insurance with full coverage premiums averaging $136 monthly. For drivers who only need minimum coverage, GEICO remains the cheapest option at $63 per month.
Are Toyota Tacomas expensive to insure?
Yes, Toyota Tacoma insurance costs more than most cars. Out of 827 vehicles we track, the Tacoma ranks 456th for affordability. Among midsize pickup trucks, this model is one of the most expensive vehicles.
What factors affect insurance costs for Toyota Tacomas?
Several things drive up your Toyota Tacoma rates. Repairs cost more because of specialized parts and the aluminum body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or higher weather risks will cost more.
How can I lower Toyota Tacoma insurance costs?
Shop around with multiple insurers as rates vary for Toyotas, and consider usage-based insurance programs that track your driving habits. Take advantage of Toyota's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Toyota Tacoma Insurance Costs
We studied hundreds of millions of quote estimates across all U.S. models sold in the U.S. from 2000 to 2025 to get you the most accurate Toyota Tacoma insurance costs.
Who We Based These Rates On
These Toyota Tacoma prices reflect what a typical driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.