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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Toyota Tacoma drivers pay an average of $146 per month for auto insurance. That’s $20 less than the national average for all vehicles.
USAA offers the cheapest rates for the Toyota Tacoma, with an average rate of just $76 per month.
The Tacoma’s robust safety features help keep insurance costs low compared to other vehicles.
The cost of your car insurance depends on several factors, including the type of policy you choose. With liability-only coverage, you’ll pay less but get coverage only for injuries and property damage you cause to others.
On the other hand, full-coverage insurance includes liability coverage plus collision and comprehensive insurance, protecting both you and your vehicle. If you lease or finance your Tacoma, your lender will likely require you to purchase full-coverage insurance.
The following table compares the average monthly premiums for Toyota Tacoma drivers and the national average for all vehicles, according to Compare.com data.
Vehicle  | Average Liability Premium | Average Full-Coverage Premium | Overall Average Premium |
|---|---|---|---|
| Toyota Tacoma | $106 | $185 | $146 |
| All vehicles | $116 | $216 | $166 |
On average, Tacoma drivers pay $106 per month for liability-only coverage and $185 per month for full-coverage insurance. But remember that your rate can vary depending on various factors, like your driving habits, age, and location.[1]
Compare personalized quotes from 100+ insurance companies.
No matter the average rate to insure your Toyota Tacoma, you can always try to find ways to save. Shopping around and comparing quotes from multiple insurance companies can help you save money on the coverage you need.
To help you with your research, the table below shows the five cheapest companies for Tacoma coverage, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| USAA | $76 |
| State Farm | $84 |
| Allstate | $108 |
| American Family | $115 |
| GEICO | $118 |
| CSAA | $129 |
| Nationwide | $139 |
| Progressive | $142 |
| Travelers | $145 |
| Farmers | $165 |
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.
USAA offers the cheapest car insurance for Tacoma drivers, at just $76 per month. That’s well below the national average for all vehicles of $166 per month. The company also ranks above average for both customer and claims service.
That said, USAA offers policies only to active-duty military, veterans, and their families. The insurer also doesn’t have much in-person customer support.
Cheap Tacoma rates
Top-rated customer service
A++ (Superior) financial strength rating
Military-only eligibility
Limited in-person support
Diminishing deductible not available
| User Reviews | 3.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
State Farm offers wide availability and affordable rates for Tacoma drivers. The company also has a well-reviewed mobile app and a network of local agents to offer personalized support.
But State Farm’s rates can be higher for some drivers, especially people with less-than-perfect records. The insurer also doesn’t offer as many coverage options as some other companies.
Large network of local agents
Highly rated mobile app
Available nationwide
Higher rates for some drivers
Few optional coverages
Gap insurance not available
| User Reviews | 3.6 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.
Allstate offers a variety of coverage options for the Tacoma, including accident forgiveness and rental reimbursement. It also has the Drivewise and Milewise telematics programs to help lower your rates.
The company scores below average for customer satisfaction, though. It also has many customer complaints with the National Association of Insurance Commissioners (NAIC).
Available in all 50 states
Wide variety of coverage options available
Drivewise and Milewise telematics programs
Higher-than-average number of customer service complaints
Policy management can be complicated
Below-average customer satisfaction in most regions
Comparing rates could save you hundreds on car insurance.
The older your Tacoma, the less you’ll likely pay for insurance coverage. That’s because newer cars typically cost more to repair or replace.
This table breaks down the average monthly premiums for different Tacoma model years, according to Compare.com data.
Tacoma Model Year | Average Monthly Premium |
|---|---|
| 2025 | $176 |
| 2024 | $176 |
| 2023 | $176 |
| 2022 | $176 |
| 2021 | $170 |
| 2020 | $162 |
| 2019 | $159 |
| 2018 | $153 |
| 2017 | $150 |
| 2016 | $146 |
| 2015 | $143 |
| 2014 | $141 |
| 2013 | $133 |
| 2012 | $130 |
| 2011 | $126 |
| 2010 | $124 |
| 2009 | $120 |
| 2008 | $118 |
| 2007 | $117 |
| 2006 | $115 |
| 2005 | $112 |
| 2004 | $109 |
| 2003 | $108 |
| 2002 | $109 |
| 2001 | $109 |
| 2000 | $107 |
Company | Average Monthly Premium |
|---|---|
| USAA | $92 |
| State Farm | $101 |
| Allstate | $130 |
| American Family | $139 |
| GEICO | $143 |
Company | Average Monthly Premium |
|---|---|
| USAA | $92 |
| State Farm | $101 |
| Allstate | $130 |
| American Family | $139 |
| GEICO | $143 |
Company | Average Monthly Premium |
|---|---|
| USAA | $91 |
| State Farm | $101 |
| Allstate | $130 |
| American Family | $138 |
| GEICO | $142 |
Company | Average Monthly Premium |
|---|---|
| USAA | $91 |
| State Farm | $101 |
| Allstate | $130 |
| American Family | $138 |
| GEICO | $142 |
Company | Average Monthly Premium |
|---|---|
| USAA | $88 |
| State Farm | $98 |
| Allstate | $126 |
| American Family | $134 |
| GEICO | $137 |
Company | Average Monthly Premium |
|---|---|
| USAA | $84 |
| State Farm | $93 |
| Allstate | $120 |
| American Family | $128 |
| GEICO | $131 |
Company | Average Monthly Premium |
|---|---|
| USAA | $83 |
| State Farm | $91 |
| Allstate | $117 |
| American Family | $125 |
| GEICO | $128 |
Company | Average Monthly Premium |
|---|---|
| USAA | $80 |
| State Farm | $88 |
| Allstate | $113 |
| American Family | $120 |
| GEICO | $124 |
Company | Average Monthly Premium |
|---|---|
| USAA | $78 |
| State Farm | $87 |
| Allstate | $111 |
| American Family | $118 |
| GEICO | $122 |
Company | Average Monthly Premium |
|---|---|
| USAA | $76 |
| State Farm | $84 |
| Allstate | $108 |
| American Family | $115 |
| GEICO | $118 |
Company | Average Monthly Premium |
|---|---|
| USAA | $74 |
| State Farm | $82 |
| Allstate | $105 |
| American Family | $112 |
| GEICO | $115 |
Repair costs, medical expenses, weather trends, and other factors can all vary depending on where you live. Plus, every state has different rates of accidents, theft, vandalism, litigation, and insurance fraud.
As a result, the average monthly premium to insure a Toyota Tacoma can change based on your location. To give you an idea, the table below lists the average rates by state for Tacoma drivers, according to Compare.com data.
State | Average Monthly Premium |
|---|---|
| Alabama | $120 |
| Arizona | $128 |
| Arkansas | $139 |
| California | $157 |
| Colorado | $157 |
| Connecticut | $217 |
| Delaware | $182 |
| Florida | $170 |
| Georgia | $195 |
| Hawaii | $96 |
| Idaho | $80 |
| Illinois | $121 |
| Indiana | $100 |
| Iowa | $82 |
| Kansas | $113 |
| Kentucky | $151 |
| Louisiana | $163 |
| Maine | $107 |
| Maryland | $232 |
| Massachusetts | $115 |
| Michigan | $176 |
| Minnesota | $133 |
| Mississippi | $115 |
| Missouri | $139 |
| Montana | $114 |
| Nebraska | $110 |
| Nevada | $193 |
| New Hampshire | $67 |
| New Jersey | $206 |
| New Mexico | $111 |
| New York | $168 |
| North Carolina | $68 |
| North Dakota | $89 |
| Ohio | $94 |
| Oklahoma | $131 |
| Oregon | $117 |
| Pennsylvania | $123 |
| Rhode Island | $168 |
| South Carolina | $187 |
| South Dakota | $105 |
| Tennessee | $109 |
| Texas | $167 |
| Utah | $115 |
| Vermont | $109 |
| Virginia | $137 |
| Washington | $130 |
| Washington D.C. | $240 |
| West Virginia | $113 |
| Wisconsin | $92 |
| Wyoming | $86 |
Your age has a significant effect on your car insurance rate, especially if you have younger drivers on your policy. Teens have higher rates of fatal accidents, and they’re also less likely to obey traffic laws,[2] so they pay some of the highest rates for auto insurance.
In the table below, we look at the average monthly premiums for the Toyota Tacoma by different age groups, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $280 |
| Adults | $146 |
| Seniors | $126 |
Drivers between the ages of 15 and 20 make up only 5% of all drivers, yet they’re involved in 13% of reported crashes, according to the National Highway Traffic Safety Administration (NHTSA).[3] Insurers price policies based on risk, and teen and young adult drivers pay much higher premiums because of their increased crash rate.
That said, costs can differ widely from one insurer to another. That’s why it’s worth getting multiple quotes before buying a policy. Here are the insurers offering the most affordable insurance rates for Tacoma drivers younger than 25, according to our data.
Drivers age 70 and older cause fewer fatal crashes than other motorists, according to the Insurance Institute for Highway Safety (IIHS).[4]
Because their risk profile is lower, seniors tend to pay less for coverage compared to other age groups — but pricing still varies widely from one insurer to another. Many companies also offer discounts tailored to seniors, so comparing quotes can lead to even more savings.
The insurers below offer the cheapest Toyota Tacoma rates for senior drivers, according to Compare.com data.
Your driving history plays a major role in what you pay for auto insurance. Risky driving habits like speeding increase your chances of getting in an accident.
Based on our data, a single speeding ticket can raise Toyota Tacoma premiums by about 34%. An at-fault accident can push rates up 43%, and a driving under the influence (DUI) conviction can increase costs by 68%. These traffic violations can affect your rate for three to five years.[5]
Here’s how average monthly premiums for Toyota Tacoma insurance differ by driving record, according to our data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $146 |
| Speeding ticket | $196 |
| At-fault accident | $209 |
| DUI | $245 |
Speeding is a major red flag for insurers because it sharply increases your likelihood of causing a crash. In fact, speeding was a factor in 29% of all traffic fatalities in 2023, according to the NHTSA.[6] The effect on your insurance rates can vary widely depending on how fast you were driving over the speed limit.
That said, insurers don’t all treat speeding tickets the same way. Some companies raise rates slightly, while others have much steeper increases. That’s why comparing quotes becomes especially important after a citation.
Here are the companies with the most competitive rates for Tacoma drivers with a speeding ticket, according to our data.
Insurers typically consider you a high-risk driver if you cause a crash. That’s why accident-related rate hikes can stick with you for several years. Most companies raise rates for about three years after an at-fault claim.[7]
Some insurers penalize you for your accident history more than others, so shopping around becomes especially important after a crash. These companies offer the most affordable rates for Toyota Tacoma drivers with an at-fault accident, according to our data.
DUI convictions have the most severe consequences for your premiums, often leading to the sharpest premium increases of any driving offense. Some insurers may decline to cover you altogether.[8]
But some companies are more willing to work with high-risk drivers and may offer more affordable rates. That’s why getting multiple quotes is essential if you’re trying to keep costs down after a DUI. These insurers offer some of the cheapest Toyota Tacoma rates for drivers with a DUI, according to our data.
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How much you pay to insure your Tacoma depends heavily on details about your truck and how you use it. Here are some major factors insurers consider and why they matter:
Vehicle value and repair costs: The 2025 Toyota Tacoma ranges from $33,085 for base models to over $50,000 for a double cab model.[9] The more valuable your truck is, the more you’ll pay for coverage.
Repair and maintenance expenses: Repair and maintenance costs tend to be lower for the Tacoma compared to other midsize trucks. The less your truck costs to repair or replace, the less insurers charge for coverage.
Low theft risk: The Tacoma has a relatively low theft rate compared to other vehicles, including other trucks like the Chevrolet Silverado 1500 and the Ford F-150.[10] A lower theft risk helps reduce rates.
Advanced safety features: Every Tacoma comes standard with a variety of safety features, including pre-collision systems with pedestrian detection, lane-departure alerts, adaptive cruise control, and automatic high beams. These advanced safety systems can qualify you for insurance discounts by helping prevent accidents and reduce injury severity.
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Your Toyota Tacoma’s safety features can influence your insurance rate, but some other things you can do to lower your costs include:
Choose a less expensive trim. The Tacoma has 11 different trim levels. Less expensive trims may qualify for lower rates because they typically cost less to repair and replace.
Opt for rear-wheel drive. If you don’t need four-wheel drive where you live, you may want to choose a rear-wheel drive SR, SR5, TRD PreRunner, or TRD Sport trim. Rear-wheel drive vehicles usually cost less to repair, so they’re typically cheaper to insure.
Bundle your coverage. You may get a discount if you insure your car and home with the same insurer. Many insurers also offer discounts for insuring multiple vehicles.[11]
Raise your deductibles. A low deductible can minimize your costs if you file a claim, but it also increases your monthly rate. If you can afford the extra out-of-pocket cost, consider raising your deductible to reduce your monthly rate.
Shop around for coverage. Comparing quotes from multiple insurers will ensure you get the best coverage for your money.
Check rates for your Tacoma and save money today.
If you own a Toyota Tacoma or plan to buy one soon, the answers to some common questions below will help you find the right coverage.
Not really. Toyota Tacoma drivers pay an average of $146 for car insurance — less than the U.S. national average for all vehicles, according to Compare.com data.
USAA offers some of the cheapest insurance for the Toyota Tacoma — an average of $76 per month. But the insurer offers coverage only to military members and their families, so you should still shop around and compare quotes from multiple insurance companies to find the best coverage.
The 2025 Toyota Tacoma costs an average of $176 monthly to insure, according to Compare.com data. But your personal rate may differ depending on factors like your age and driving profile.
The Sienna is the cheapest Toyota model to insure, with an average rate of $127 per month, according to our data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Ben Luthi is a Utah-based insurance writer for Compare.com. With more than a decade of experience covering various insurance and personal finance topics, Ben is passionate about helping people make smart decisions with their money. His work has appeared on a variety of well-known personal finance websites, including the Wall Street Journal, Fortune, Credit Karma, Yahoo! Finance, Experian, NerdWallet, Insurify, and many more.
Ben has been writing for Compare.com since 2025.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 20461358
John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
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