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: September 26, 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 |
Compare Personalized Toyota Tacoma Insurance Costs
We've broken down Toyota Tacoma insurance costs by model year and trim for personalized rates.
Data filtered by:
2000
Xtracab Limited Pickup
| Xtracab Limited Pickup | $109 | $209 |
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.
| AAA | $110 | $228 |
| AIG | $138 | $341 |
| Allstate | $125 | $241 |
| Amica | $124 | $253 |
| Chubb | $130 | $259 |
| Farmers | $144 | $253 |
| GEICO | $63 | $136 |
| Kemper | $101 | $206 |
| Nationwide | $110 | $190 |
| Progressive | $93 | $173 |
| State Farm | $92 | $191 |
| The Hartford | $104 | $177 |
| Travelers | $83 | $154 |
| 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:
Cheapest Toyota Tacoma Insurance Companies
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. These rates make GEICO the clear winner for budget-conscious Tacoma owners seeking reliable coverage .
| GEICO | $63 | $136 |
| Travelers | $83 | $154 |
| Progressive | $93 | $173 |
| The Hartford | $104 | $177 |
| State Farm | $92 | $191 |
Cheapest Toyota Tacoma Insurance by State
Overall, we found that GEICO, Travelers and State Farm are the most affordable car insurance providers across states for a Toyota Tacoma:
- GEICO: Most affordable in 20 states
- Travelers: Most affordable in seven states
- State Farm: Most affordable in four states
You can filter to see who offers the most affordable auto insurance rates for your Toyota Tacoma.
How to Get the Best Cheap Toyota Tacoma Insurance
Below we break down the best way to buy car insurance for your Toyota Tacoma:
- 1Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Toyota's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 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
Finding car insurance discounts you’ll likely qualify for will go a long way in ensuring you get the cheapest rate possible. The five discounts below are the most likely we found that Toyota Tacoma owners will qualify for:
- Multi-Car/Multi-Vehicle Discount (10% to 25% savings): Tacoma owners often have more than one vehicle in the household, and insurers reward multi-vehicle policies with strong discounts.
- Bundling/Multi-Policy Discount (5% to 25% savings): Many Tacoma drivers own homes or other property, making them eligible to bundle auto and home (or renters) insurance for substantial savings.
- Good Driver/Safe Driver Discount (10% to 30% savings): With a large share of Tacomas owned by experienced, practical drivers, clean records frequently qualify them for good-driver discounts.
- Safety Features/Advanced Safety Discount (5% to 20% savings): Newer Tacomas come with Toyota Safety Sense technology, including lane departure warning, adaptive cruise control, and automatic emergency braking, which can trigger insurer discounts.
- Low Mileage/Usage-Based Discount (5% to 30% savings): Some Tacomas are work or utility trucks but see limited daily mileage. Low usage or participation in telematics programs can provide meaningful premium reductions.
- 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.