Gianetta Palmer is a writer, copywriter, and essayist. Her work has appeared in EverydayHealth.com, Healthline, and The Dyrt Magazine. She is the author of Scrunchie-Fried and writes a lot about car insurance in her spare time.

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Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He also has an MBA from the University of South Florid...

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Reviewed by Joel Ohman
Founder, CFP®

UPDATED: Jun 17, 2021

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Looking for a new or used Toyota Tacoma? And wondering how much it costs to insure by year? We researched average annual insurance costs for each model year and have compiled the results for you below.

Toyota Tacoma facts

  • Average auto insurance premium: $112/month

  • Most affordable companies: Auto-Owners ($71/month) & Progressive ($76/month)

  • Tacoma insurance cost vs. average rate: $95 less expensive than the average vehicle

Explore the pricing information below to find how much it will cost you to insure your Toyota Tacoma by model year and auto insurer.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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Below average Toyota Tacoma insurer costs by state:

Risk factors affecting Toyota Tacoma rates

The make and model of your vehicle, along with the year of manufacture, are the three most important factors in determining your car’s value, which in turn is the main factor in determining your premium. Your own personal driving history, age, marital status, credit score, type of vehicle, coverage levels, and other personal factors are also important components of your rate.

Learn more about Tacoma rates here

Safety Ratings & Tacoma Rates

Toyotas are world-famous for their reliability, and this has made them the 3rd highest selling car manufacturer in the United States, behind Ford and General Motors. Toyota had 13.87% of the US market share. Part of their popularity is that Toyotas also have some of the highest safety ratings of any car manufacturer.

Top Safety Ratings from IIHS & NHTSA

The Insurance Institute for Highway Safety (IIHS) has 7 different Toyota models as “Top Safety Pick+” (the highest rating given by the institute) award winners, including the Corolla, Camry, C-HR, Rav4, Venza, Highlander, and Sienna. The National Highway Traffic Safety Administration (NHTSA) ranks eight Toyota models with 5-star ratings based on safety, driver-assist technologies to avoid car accidents. The NHTSA ranks each Toyota with high marks for frontal crash, side crash, and rollover with 4 or 5 stars.

These factors of high reliability and strong safety marks combine to make Toyotas one of the more affordable vehicles to insure. A safer car will represent less risk for an auto insurer, and they will offer the driver lower rates for it. Note that often, a safer car doesn’t necessarily mean lower repair costs in the event of an accident. Still, it does protect the car’s occupants, which greatly reduces property damage liability and bodily injury claims.

Lower repair costs equal lower rates

Thankfully, Toyotas also have reasonable repair costs for several reasons. Their ubiquitous popularity means that many technicians and mechanics are familiar and qualified to work on these vehicles, and spare parts are readily available for almost any Toyota model. Toyota is also very well known for its engineering prowess, and this is evidenced by the logical way they lay out their cars, often making them easy to service for the future.

2021 Toyota Tacoma

Cheapest Insurance CompaniesAverage Annual Cost
Allied$1765
Allstate$1539
American Family$1454
Amica$1904
Arbella$1486
Auto-Owners$859
Erie$1047
GEICO$1143
Kentucky Farm Bureau$1351
Mercury$1519
MetLife$1695
Nationwide$1214
Progressive$914
Safe Auto$1603
State Farm$1280
Tennessee Farmers$1491
Travelers$1542
USAA$989

Compare all 2021 Toyota Tacoma rates

Average Cost to Insure Per Year

$1346

List Price

$26450

Trims Available

SR - SR5 - SR V6 - SR5 V6 - TRD Sport - TRD Off-Road - Limited - TRD Pro - with Toyota Safety Sense 2.0 (TSS 2.0) Pre-Collision System with Pedestrian Detection - Star Safety System—includes Enhanced Vehicle Stability Control (VSC),Traction Control (TRAC), Anti-lock Brake System (ABS), Electronic Brake-force Distribution (EBD), Brake Assist (BA) and Smart Stop Technology (SST)

2020 Toyota Tacoma

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1522
American Family$1418
Auto-Owners$833
Erie$1037
GEICO$1130
Kentucky Farm Bureau$1339
Mercury$1503
MetLife$1648
Nationwide$1186
Progressive$895
Safe Auto$1584
State Farm$1247
Tennessee Farmers$1426
Travelers$1530
USAA$960
Vermont Mutual$1616

Compare all 2020 Toyota Tacoma rates

Average Cost to Insure Per Year

$1290

List Price

$26416

Trims Available

SR - SR5 - SR V6 - SR5 V6 - TRD Sport - TRD Off-Road - Limited - TRD Pro - with Toyota Safety Sense 2.0 (TSS 2.0) Pre-Collision System with Pedestrian Detection - Star Safety System—includes Enhanced Vehicle Stability Control (VSC),Traction Control (TRAC), Anti-lock Brake System (ABS), Electronic Brake-force Distribution (EBD), Brake Assist (BA) and Smart Stop Technology (SST)

2019 Toyota Tacoma

Cheapest Insurance CompaniesAverage Annual Cost
Allstate$1501
American Family$1387
Auto-Owners$820
Erie$1035
GEICO$1128
Kentucky Farm Bureau$1335
Mercury$1462
MetLife$1635
Nationwide$1161
Progressive$868
Safe Auto$1562
State Farm$1235
Tennessee Farmers$1412
Travelers$1516
USAA$954
Vermont Mutual$1580

Compare all 2019 Toyota Tacoma rates

Average Cost to Insure Per Year

$1120

List Price

$25600

Trims Available

SR - SR5 - SR V6 - SR5 V6 - TRD Sport - TRD Off-Road - Limited - TRD Pro - with Toyota Safety Sense 2.0 (TSS 2.0) Pre-Collision System with Pedestrian Detection - Star Safety System—includes Enhanced Vehicle Stability Control (VSC),Traction Control (TRAC), Anti-lock Brake System (ABS), Electronic Brake-force Distribution (EBD), Brake Assist (BA) and Smart Stop Technology (SST)

2018 Toyota Tacoma

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 1110
Acuity$ 1110
Allied$ 1032
Allied$ 1032
American Family$ 1025
American Family$ 1025
Country$ 1062
Country$ 1062
Erie$ 777
Erie$ 777
GEICO$ 528
GEICO$ 528
Nationwide$ 921
Nationwide$ 921
Progressive$ 816
Progressive$ 816
State Farm$ 771
State Farm$ 771
Tennessee Farmers$ 967
Tennessee Farmers$ 967
USAA$ 790
USAA$ 790
Vermont Mutual$ 1028
Vermont Mutual$ 1028

Compare all 2018 Toyota Tacoma rates

Average Cost to Insure Per Year

$ 948

List Price

$ 25060

Trims Available

SR - SR5 - SR V6 - SR5 V6 - TRD Sport - TRD Off-Road - Limited - TRD Pro

2017 Toyota Tacoma

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 936
American Family$ 936
Country$ 1009
Country$ 1009
Erie$ 713
Erie$ 713
GEICO$ 511
GEICO$ 511
Nationwide$ 926
Nationwide$ 926
Progressive$ 748
Progressive$ 748
Quincy Mutual$ 1017
Quincy Mutual$ 1017
State Farm$ 679
State Farm$ 679
Tennessee Farmers$ 1035
Tennessee Farmers$ 1035
Texas Farm Bureau$ 835
Texas Farm Bureau$ 835
USAA$ 722
USAA$ 722
Vermont Mutual$ 945
Vermont Mutual$ 945

Compare all 2017 Toyota Tacoma rates

Average Cost to Insure Per Year

$ 891

List Price

$ 23660

Trims Available

SR V6 - SR - SR5 - SR5 V6 - TRD Sport - TRD Off-Road - Limited - TRD Pro

2016 Toyota Tacoma

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 981
Acuity$ 981
American Family$ 906
American Family$ 906
Country$ 956
Country$ 956
Erie$ 666
Erie$ 666
GEICO$ 477
GEICO$ 477
Nationwide$ 937
Nationwide$ 937
Progressive$ 737
Progressive$ 737
State Farm$ 638
State Farm$ 638
Tennessee Farmers$ 892
Tennessee Farmers$ 892
Texas Farm Bureau$ 763
Texas Farm Bureau$ 763
USAA$ 712
USAA$ 712
Vermont Mutual$ 879
Vermont Mutual$ 879

Compare all 2016 Toyota Tacoma rates

Average Cost to Insure Per Year

$ 835

List Price

$ 23660

Trims Available

SR - SR V6 - SR5 - SR5 V6 - TRD Sport - TRD Off-Road - Limited

2015 Toyota Tacoma

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 961
Acuity$ 961
American Family$ 899
American Family$ 899
Country$ 962
Country$ 962
Erie$ 620
Erie$ 620
GEICO$ 508
GEICO$ 508
Progressive$ 832
Progressive$ 832
Quincy Mutual$ 965
Quincy Mutual$ 965
State Farm$ 681
State Farm$ 681
Tennessee Farmers$ 815
Tennessee Farmers$ 815
Texas Farm Bureau$ 690
Texas Farm Bureau$ 690
USAA$ 683
USAA$ 683
Vermont Mutual$ 808
Vermont Mutual$ 808

Compare all 2015 Toyota Tacoma rates

Average Cost to Insure Per Year

$ 868

List Price

$ 20965

Trims Available

Base - PreRunner - PreRunner V6 - V6 - TRD Pro

2014 Toyota Tacoma

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 908
Acuity$ 908
American Family$ 920
American Family$ 920
Country$ 957
Country$ 957
Erie$ 665
Erie$ 665
GEICO$ 489
GEICO$ 489
Progressive$ 815
Progressive$ 815
Quincy Mutual$ 946
Quincy Mutual$ 946
State Farm$ 715
State Farm$ 715
Tennessee Farmers$ 803
Tennessee Farmers$ 803
Texas Farm Bureau$ 568
Texas Farm Bureau$ 568
USAA$ 659
USAA$ 659
Vermont Mutual$ 754
Vermont Mutual$ 754

Compare all 2014 Toyota Tacoma rates

Average Cost to Insure Per Year

$ 835

List Price

$ 18125

Trims Available

Base - PreRunner - PreRunner V6 - V6

2013 Toyota Tacoma

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 859
Acuity$ 859
American Family$ 833
American Family$ 833
Country$ 906
Country$ 906
Erie$ 611
Erie$ 611
GEICO$ 467
GEICO$ 467
Progressive$ 728
Progressive$ 728
Quincy Mutual$ 927
Quincy Mutual$ 927
State Farm$ 648
State Farm$ 648
Tennessee Farmers$ 770
Tennessee Farmers$ 770
Texas Farm Bureau$ 557
Texas Farm Bureau$ 557
USAA$ 606
USAA$ 606
Vermont Mutual$ 723
Vermont Mutual$ 723

Compare all 2013 Toyota Tacoma rates

Average Cost to Insure Per Year

$ 786

List Price

$ 17625

Trims Available

Base - PreRunner - PreRunner V6 - V6 - X-Runner V6

2012 Toyota Tacoma

Cheapest Insurance CompaniesAverage Annual Cost
Acuity$ 802
Acuity$ 802
American Family$ 830
American Family$ 830
Country$ 871
Country$ 871
Erie$ 594
Erie$ 594
GEICO$ 447
GEICO$ 447
Progressive$ 724
Progressive$ 724
Quincy Mutual$ 909
Quincy Mutual$ 909
State Farm$ 614
State Farm$ 614
Tennessee Farmers$ 738
Tennessee Farmers$ 738
Texas Farm Bureau$ 509
Texas Farm Bureau$ 509
USAA$ 580
USAA$ 580
Vermont Mutual$ 669
Vermont Mutual$ 669

Compare all 2012 Toyota Tacoma rates

Average Cost to Insure Per Year

$ 756

List Price

$ 17125

Trims Available

Base - PreRunner - PreRunner V6 - V6 - X-Runner V6

2011 Toyota Tacoma

Cheapest Insurance CompaniesAverage Annual Cost
American Family$ 844
American Family$ 844
Arbella$ 834
Arbella$ 834
Country$ 836
Country$ 836
Erie$ 578
Erie$ 578
GEICO$ 443
GEICO$ 443
Nationwide$ 881
Nationwide$ 881
Progressive$ 700
Progressive$ 700
State Farm$ 598
State Farm$ 598
Tennessee Farmers$ 732
Tennessee Farmers$ 732
Texas Farm Bureau$ 527
Texas Farm Bureau$ 527
USAA$ 569
USAA$ 569
Vermont Mutual$ 643
Vermont Mutual$ 643

Compare all 2011 Toyota Tacoma rates

Average Cost to Insure Per Year

$ 751

List Price

$ 16365

Trims Available

Base - PreRunner - PreRunner V6 - V6 - X-Runner V6