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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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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.
The Toyota Tacoma ranks as one of the most popular vehicles in the U.S.,[1] and Tacoma owners will be happy to know that the truck costs less to insure than most other vehicles.
Tacoma drivers pay a monthly average of $97 for liability-only insurance and $180 for full coverage, according to our research. That’s cheaper than the U.S. national averages of $106 and $193, respectively.
Of course, your costs can vary based on several factors, including where you live and which insurer you choose. We’ll cover the factors affecting your rates and break down some of the best insurers for your Tacoma.
Toyota Tacoma drivers pay an average of $139 per month for auto insurance — about $13 less than the national average.
Mile Auto offers the cheapest rates for the Toyota Tacoma, with an average rate of just $65 per month.
Some of the best auto insurers for the Tacoma include Farmers, Travelers, and Root.
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 Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Toyota Tacoma | $97 | $180 | $139 |
| All vehicles | $107 | $197 | $152 |
On average, Tacoma drivers pay $97 per month for liability-only coverage and $180 per month for full-coverage insurance. But remember that your rate can vary depending on various factors, like your driving habits, age, and location.[2]
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 |
|---|---|
| Mile Auto | $65 |
| Certainly | $73 |
| Farmers | $76 |
| Travelers | $77 |
| Apparent | $79 |
Pay-per-mile insurance company Mile Auto offers the lowest average premium for Tacoma owners — just $65 per month.
But just because these companies offer the lowest average rates doesn’t mean they’ll be the cheapest for you. When comparing insurers, you should look at more than just the base cost. One company may have a cheap base rate, but you could pay less if you qualify for discounts with another insurer.
Let’s take a closer look at some of the best insurance companies for Tacomas.
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You won’t find one car insurance company that’s the best fit for everyone. You should compare coverage options, pricing, and customer reviews for several insurers to ensure you get the best offer.
But researching car insurance companies can be time-consuming. To get you started, we found three of the best insurers for the Tacoma based on their average rates, available discounts, customer reviews, and available coverages.
Compare.com Rating: 4.57 out of 5
Several discounts available
Offers gap insurance and accident forgiveness
Below-average claims and customer satisfaction[3]
Available in only 42 states
In addition to low average rates for Tacoma drivers, Travelers has plenty of other ways to save. The company offers discounts for safe drivers, hybrid and electric cars, students, and more.
That said, Travelers auto insurance is available in only 42 states. And the company received below-average rankings for both customer and claims satisfaction from J.D. Power.
Compare.com Rating: 4.53 out of 5
Many discounts available
Multiple add-on coverages available
Below-average customer satisfaction
Available in only 42 states
Farmers has many ways to customize your auto insurance to make sure you get the coverage you need. The insurer offers various optional coverages, including accident forgiveness, rental car reimbursement, roadside assistance, and rideshare coverage.
But the company ranks below average for customer service by J.D. Power. And it’s not available in eight states, so it may not be offered in your area.
Compare.com Rating: 3.43 out of 5
Lower rates for safe drivers
Relatively fast claims process
Not good for high-risk drivers
Doesn’t offer many discounts
Root focuses on your driving habits to determine your insurance rate. Using its smartphone app, the insurance company tracks your speed, braking, and phone usage to develop a profile and set your rate.
You don’t even need to switch to Root to try it out. The insurer offers a trial to give you an idea of how much you can save.
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 | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| 2025 | $175 | Mile Auto | $82 |
| 2024 | $193 | Mile Auto | $90 |
| 2023 | $164 | Mile Auto | $77 |
| 2022 | $165 | Mile Auto | $77 |
| 2021 | $148 | Mile Auto | $69 |
| 2020 | $147 | Mile Auto | $69 |
| 2019 | $143 | Mile Auto | $67 |
| 2018 | $147 | Mile Auto | $69 |
| 2017 | $139 | Mile Auto | $65 |
| 2016 | $133 | Mile Auto | $62 |
| 2015 | $125 | Mile Auto | $58 |
| 2014 | $122 | Mile Auto | $57 |
Where you live is another major factor in how much you pay for auto insurance.
Next, let’s look at how insurance rates can vary by state.
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 the 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 | $91 |
| Arizona | $122 |
| Arkansas | $175 |
| California | $176 |
| Colorado | $143 |
| Connecticut | $278 |
| Delaware | $169 |
| Florida | $179 |
| Georgia | $181 |
| Idaho | $92 |
| Illinois | $114 |
| Indiana | $98 |
| Iowa | $83 |
| Kansas | $112 |
| Kentucky | $179 |
| Louisiana | $165 |
| Maine | $108 |
| Maryland | $251 |
| Massachusetts | $138 |
| Michigan | $214 |
| Minnesota | $138 |
| Mississippi | $138 |
| Missouri | $134 |
| Montana | $111 |
| Nebraska | $128 |
| Nevada | $218 |
| New Hampshire | $84 |
| New Jersey | $145 |
| New Mexico | $106 |
| New York | $352 |
| North Carolina | $68 |
| North Dakota | $106 |
| Ohio | $93 |
| Oklahoma | $118 |
| Oregon | $118 |
| Pennsylvania | $119 |
| Rhode Island | $105 |
| South Carolina | $200 |
| South Dakota | $88 |
| Tennessee | $103 |
| Texas | $162 |
| Utah | $133 |
| Vermont | $99 |
| Virginia | $132 |
| Washington | $102 |
| District of Columbia | $208 |
| West Virginia | $106 |
| Wisconsin | $93 |
| Wyoming | $88 |
Your age also plays a role in what you pay for insurance coverage. Let’s take a look at how your costs may vary.
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,[4] 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 | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Teens | $261 | Mile Auto | $122 |
| Adults | $127 | Mile Auto | $59 |
| Seniors | $107 | Mile Auto | $50 |
Rates for teen drivers are more than double those for seniors. But costs drop significantly as you get older — even though they start to rise again around age 70.
While you can’t control every factor that influences what you pay for car insurance, you could qualify for lower rates if you drive responsibly.
But a poor driving record — one including speeding tickets, at-fault accidents, or DUIs — can increase your insurance rates.[5] High-risk drivers are more likely to file claims, so insurers charge more to cover them.
Let’s look at how certain infractions on your record can affect your Tacoma rates, according to our data.
Driving Record | Average Monthly Premium | Cheapest Insurer | Cheapest Insurer’s Average Monthly Premium |
|---|---|---|---|
| Clean record | $139 | Mile Auto | $65 |
| Speeding ticket | $192 | Mile Auto | $90 |
| At-fault accident | $200 | Mile Auto | $94 |
| DUI | $228 | Mile Auto | $106 |
Getting a speeding ticket or causing an accident will cause similar increases in your premium. But a DUI can significantly increase your costs, raising your rates by 64%.
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The Toyota Tacoma has certain features that keep you safer and can help reduce your insurance costs. Some of the Tacoma’s safety features include:[6]
Panoramic view monitor
Backup guide monitor
Blind-spot monitor
Rear cross-traffic alerts
Parking assist with automatic braking
Pedestrian detection
Lane-departure alerts
Dynamic radar cruise control
Automatic high beams
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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.[7]
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 $139 for car insurance — less than the U.S. national average for all vehicles, according to Compare.com data.
Mile Auto offers some of the cheapest insurance for the Toyota Tacoma — an average of $65 per month. But the insurer’s pay-per-mile approach might not work for you, 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 $175 monthly to insure, according to Compare.com data. But your personal rate may differ depending on factors like your age and driving profile.
The 4Runner is the cheapest Toyota model to insure, with an average rate of $122 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.
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