Toyota Tacoma insurance costs change based on your truck’s model year, with newer vehicles generally costing more to insure. Monthly premiums range from $71 for older Tacomas to about $233 for 2025 models.
Toyota Tacoma Insurance Cost
Key Takeaways
GEICO offers the most affordable Toyota Tacoma insurance on average, though full coverage costs vary widely by model year and insurer and average about $187 monthly nationwide. Read more.
Pickup trucks usually have higher premiums due to increased repair costs and theft rates, and the Tacoma ranks 27th out of 40 pickup trucks for affordability, placing it in the middle tier for its vehicle type. Read more.
Your Tacoma’s specific model year makes a big difference in insurance rates, especially if you’re adding a teen driver to your policy and want more precise cost estimates. Read MoneyGeek's analysis of rates by company for specific Tacoma model years depending on the age of the drivers.
How Much Is Toyota Tacoma Insurance?
Looking for another Toyota model? Read more about the cost of Toyota car insurance models.
GEICO charges $63 a month for Toyota Tacoma minimum coverage; UAIC charges $162. Full coverage is $136 with GEICO and $341 with AIG. There's a $99 difference on minimum coverage and a $205 difference on full coverage, so get at least three quotes to find your lowest rate.
| 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 |
Is Toyota Tacoma Expensive to Insure?
The Toyota Tacoma ranks 27th for affordability among 40 pickup trucks in MoneyGeek's database. It costs a few dollars more a month than a Toyota Tundra and a few dollars less than an Isuzu I-Series.
Across all 827 models in the database, the Tacoma ranks 456th, so it's in the more expensive half. The Suzuki SX4 is the cheapest pickup to insure, and the Ram 2500 is the most expensive.
| GMC Sierra 3500 | $131 | 24 |
| Mitsubishi Raider | $135 | 25 |
| Toyota Tundra | $139 | 26 |
| Toyota Tacoma | $142 | 27 |
| Isuzu I-Series | $144 | 28 |
| Cadillac Escalade EXT | $146 | 29 |
| Hyundai Santa Cruz | $149 | 30 |
Several factors affect what you'll pay for Toyota Tacoma insurance:
- Average repair costs. The Toyota Tacoma averages $808 a year in repair costs, 11th most expensive among Toyota's 32 models. That above-midpoint figure is a factor in the Tacoma's position in the more expensive half of overall affordability.
- Trim, features and accessories. The Tacoma's power output ranges from 159 to 278 horsepower depending on engine option. Higher-output trims carry more expensive parts and a higher accident risk profile, both of which push premiums up.
- Driver profile. Tacoma drivers tend to fall between ages 35 and 45, which is a bracket insurers treat as lower risk. Younger drivers pay more regardless of the vehicle. Read more about the costs of Toyota Tacomas for young drivers.
Toyota Tacoma Insurance Cost by State
Wyoming drivers pay $35 a month for minimum coverage on a Toyota Tacoma. Louisiana drivers pay $190. That gap comes from state-level differences in claims frequency, litigation rates and insurance regulations, not the vehicle.
| 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 Costs by Model Year and Insurance Company
A 35- to 55-year-old driver pays $196 a month for full coverage on a 2016 Tacoma and $270 on a 2025 model, which is a $74 difference driven by the newer model's higher value and repair costs. Drivers in their teens and early 20s pay more across all model years regardless.
GEICO consistently offers the lowest rates across all Toyota Tacoma model years. Shopping between insurers could save you hundreds of dollars monthly compared to average rates.
Recent model years:
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Toyota Tacoma
| Geico | $76 | $166 |
| National General | $100 | $206 |
| Travelers | $102 | $188 |
| Progressive | $104 | $193 |
| State Farm | $123 | $257 |
| Nationwide | $130 | $225 |
| AAA | $141 | $293 |
| Kemper | $144 | $297 |
| The Hartford | $144 | $246 |
| Allstate | $149 | $287 |
| Amica | $152 | $311 |
| Chubb | $172 | $342 |
| AIG | $177 | $444 |
| Farmers | $191 | $338 |
| UAIC | $201 | $254 |
Cost of Car Insurance for 2024 Toyota Tacoma
| Geico | $80 | $174 |
| National General | $105 | $215 |
| Travelers | $107 | $197 |
| Progressive | $109 | $203 |
| State Farm | $129 | $269 |
| Nationwide | $136 | $236 |
| AAA | $148 | $307 |
| Kemper | $151 | $311 |
| The Hartford | $151 | $258 |
| Allstate | $156 | $301 |
| Amica | $159 | $326 |
| Chubb | $181 | $359 |
| AIG | $186 | $465 |
| Farmers | $200 | $354 |
| UAIC | $211 | $267 |
Cost of Car Insurance for 2023 Toyota Tacoma
| Geico | $62 | $134 |
| National General | $81 | $166 |
| Travelers | $82 | $152 |
| Progressive | $84 | $156 |
| State Farm | $100 | $208 |
| Nationwide | $105 | $182 |
| AAA | $114 | $237 |
| Kemper | $116 | $240 |
| The Hartford | $117 | $199 |
| Allstate | $120 | $232 |
| Amica | $123 | $252 |
| Chubb | $140 | $277 |
| AIG | $143 | $359 |
| Farmers | $154 | $273 |
| UAIC | $163 | $206 |
Cost of Car Insurance for 2022 Toyota Tacoma
| Geico | $58 | $127 |
| National General | $77 | $158 |
| Travelers | $78 | $144 |
| Progressive | $80 | $148 |
| State Farm | $94 | $197 |
| Nationwide | $100 | $173 |
| AAA | $109 | $225 |
| Kemper | $111 | $228 |
| The Hartford | $111 | $189 |
| Allstate | $114 | $221 |
| Amica | $117 | $239 |
| Chubb | $132 | $263 |
| AIG | $136 | $341 |
| Farmers | $147 | $259 |
| UAIC | $155 | $195 |
Cost of Car Insurance for 2021 Toyota Tacoma
| Geico | $54 | $118 |
| National General | $71 | $146 |
| Travelers | $72 | $133 |
| Progressive | $74 | $137 |
| State Farm | $87 | $183 |
| Nationwide | $92 | $160 |
| AAA | $100 | $208 |
| Kemper | $102 | $211 |
| The Hartford | $103 | $175 |
| Allstate | $106 | $204 |
| Amica | $108 | $221 |
| Chubb | $122 | $243 |
| AIG | $126 | $315 |
| Farmers | $136 | $240 |
| UAIC | $143 | $181 |
Cost of Car Insurance for 2020 Toyota Tacoma
| Geico | $51 | $111 |
| National General | $67 | $138 |
| Travelers | $68 | $126 |
| Progressive | $69 | $129 |
| State Farm | $82 | $172 |
| Nationwide | $87 | $151 |
| AAA | $95 | $197 |
| Kemper | $96 | $199 |
| The Hartford | $97 | $165 |
| Allstate | $100 | $192 |
| Amica | $102 | $209 |
| Chubb | $116 | $229 |
| AIG | $119 | $297 |
| Farmers | $128 | $226 |
| UAIC | $135 | $170 |
Cost of Car Insurance for 2019 Toyota Tacoma
| Geico | $61 | $133 |
| Travelers | $77 | $144 |
| National General | $79 | $162 |
| State Farm | $87 | $182 |
| Progressive | $90 | $169 |
| Kemper | $98 | $201 |
| Nationwide | $98 | $170 |
| The Hartford | $103 | $175 |
| AAA | $110 | $227 |
| Allstate | $112 | $216 |
| Amica | $123 | $252 |
| Chubb | $128 | $256 |
| AIG | $137 | $342 |
| UAIC | $144 | $181 |
| Farmers | $151 | $267 |
Cost of Car Insurance for 2018 Toyota Tacoma
| Geico | $63 | $138 |
| Travelers | $78 | $145 |
| National General | $81 | $165 |
| State Farm | $88 | $184 |
| Progressive | $93 | $174 |
| Kemper | $100 | $204 |
| Nationwide | $100 | $173 |
| The Hartford | $103 | $175 |
| AAA | $111 | $231 |
| Allstate | $115 | $222 |
| Amica | $126 | $258 |
| Chubb | $132 | $263 |
| AIG | $140 | $350 |
| UAIC | $146 | $183 |
| Farmers | $153 | $271 |
Cost of Car Insurance for 2017 Toyota Tacoma
| Geico | $61 | $132 |
| National General | $77 | $159 |
| Travelers | $79 | $147 |
| State Farm | $88 | $183 |
| Progressive | $92 | $172 |
| Kemper | $102 | $209 |
| The Hartford | $102 | $174 |
| Nationwide | $107 | $184 |
| AAA | $110 | $229 |
| Allstate | $111 | $215 |
| Amica | $123 | $252 |
| Chubb | $125 | $250 |
| AIG | $138 | $344 |
| UAIC | $143 | $179 |
| Farmers | $150 | $266 |
Cost of Car Insurance for 2016 Toyota Tacoma
| Geico | $58 | $125 |
| National General | $71 | $145 |
| Travelers | $77 | $142 |
| Progressive | $86 | $161 |
| State Farm | $87 | $180 |
| Kemper | $96 | $194 |
| The Hartford | $102 | $173 |
| AAA | $103 | $213 |
| Allstate | $105 | $202 |
| Nationwide | $106 | $184 |
| Amica | $111 | $227 |
| Chubb | $124 | $246 |
| AIG | $131 | $329 |
| Farmers | $138 | $244 |
| UAIC | $143 | $179 |
Toyota Tacoma Insurance Cost by Trim
Toyota Tacoma insurance costs vary by trim, from $330 monthly for full coverage on high-performance Double Cab TRD Pro I-Force Max variants to $71 for minimum coverage on basic Regular Cab Short Bed models. Performance features and market value determine where your specific trim falls in this range.
| 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 |
How to Lower the Cost of Toyota Tacoma Insurance
We've compiled proven strategies to help you find affordable Toyota Tacoma insurance rates:
- 1Choose the right coverage
Coverage needs depend on how you own the Tacoma. Paid off: state minimum liability plus comprehensive and collision at a $1,000 deductible is the baseline. Financed or leased: lenders require 100/300/100 liability limits, comprehensive and collision at a $500 deductible and gap insurance. If you own outright and want higher liability limits, 100/300/100 with a $500 deductible is the step up.
- 2Know what you should be paying
Average auto insurance costs for pickup trucks give you a baseline before you start getting quotes. Without that reference point, an above-market quote looks normal. Our data on the cheapest car insurance companies data shows which carriers price low for Tacoma drivers specifically.
- 3Check insurer quality, not just price
A low quote from an insurer with poor claims handling isn't a deal. Before committing, check J.D. Power satisfaction ratings, AM Best financial stability scores and BBB complaint records. Forum feedback on claims processing surfaces problems that don't appear in formal ratings. Best car insurance companies covers all of those factors together.
- 4Find every discount you qualify for
Toyota Tacoma owners commonly qualify for safety feature discounts, good driver credits, multi-vehicle discounts and bundling discounts when combining auto and home policies. The full list of car insurance discounts shows what's available and which ones stack.
- 5Consider usage-based insurance
Progressive Snapshot and Allstate Drivewise monitor speed, braking and mileage, then price the policy on actual driving behavior. Tacoma drivers who keep mileage low and drive conservatively tend to come out ahead on these programs.
- 6Pull quotes once a year
Insurers don't flag when competitors drop their rates. Comparing quotes at each renewal catches pricing shifts before they compound.
Toyota Tacoma Insurance Cost: Bottom Line
The Toyota Tacoma costs above average to insure among pickup trucks. Compare quotes from at least three insurers and stack available discounts to find your lowest rate.
Toyota Tacoma Insurance Rates: FAQ
What is the average cost of car insurance for a Toyota Tacoma?
Toyota Tacoma insurance costs $1,157 annually for minimum coverage and $2,241 for full coverage. This translates to monthly premiums of $96 and $187 respectively.
What company has the cheapest car insurance for a Toyota Tacoma?
GEICO provides the most affordable auto insurance for Toyota Tacoma owners at $755 annually for minimum coverage. The company also delivers the best value for full coverage policies at $1,637 per year.
Are Toyota Tacomas expensive to insure?
No, Toyota Tacoma insurance is not more expensive than most vehicles. The Tacoma ranks 456th out of 827 vehicles for affordability, placing it in the more budget-friendly half. Among pickup trucks specifically, it sits at 27th out of 40 models.
What factors affect insurance costs for Toyota Tacomas?
Driving record, credit score and coverage level are the primary variables in any Tacoma premium. On the vehicle side, the Tacoma's $808 average annual repair cost sits above the midpoint among Toyota's 32 models, so it's in the more expensive half of overall vehicle affordability.
How can I lower Toyota Tacoma insurance costs?
Start with quotes from at least three insurers because there's a $205 full coverage difference between GEICO and AIG. Stack every discount you qualify for: good driver, multi-vehicle and bundling home and auto are the highest-value options.
Usage-based programs like Progressive Snapshot cut costs further for lower-mileage drivers with clean habits.
How We Determined Toyota Tacoma Insurance Costs
Toyota Tacoma cost estimates are drawn from hundreds of millions of quote estimates for U.S. models sold from 2000 to 2025. Data are from Quadrant Information Services. Rates reflect a 40-year-old unmarried male driver with a clean record, no prior claims, a good credit score, a valid license with no suspensions and 12,000 miles driven annually.
Coverage definitions. Minimum coverage reflects state-required liability limits. Full coverage is 100/300/100 liability plus comprehensive and collision with $1,000 deductibles.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time Jeopardy champion!