- Toyota Tacoma insurance cost averages $1,406 per year, $703 for a 6-month policy, or $117 per month.
- The cheapest Tacoma to insure is the SR Access Cab 4WD trim level at an estimated $1,282 per year. The most expensive to insure is the TRD Pro AWD Automatic at $1,588 annually.
- When compared to the entire 2022 midsize truck segment, the Tacoma ranks #4 for insurance affordability, costing $46 less per year on average than comparable trucks.
- Location is a big factor when buying Tacoma insurance. Full coverage rates can be less than $80 a month in states like Idaho, Iowa, Maine, and Virginia, but over $150 a month in Florida, Michigan, and Louisiana.
How much does Toyota Tacoma insurance cost?
Toyota Tacoma car insurance costs an average of $1,406 yearly, or around $117 each month. With the average midsize truck costing $1,452 a year to insure, the Tacoma could save around $46 each year depending on the trim level.
The next chart illustrates how 2022 Toyota Tacoma insurance rates are impacted by driver age and the policy deductible for physical damage coverage (comprehensive and collision). The overall average cost of Tacoma insurance is determined by rating a 40-year-old driver with $500 deductibles.
As shown by the chart trends, insurance cost goes down with driver age, but goes up when deductibles are decreased. Younger drivers with low deductibles will pay the highest rates to protect their Tacoma, while older drivers who choose higher deductibles will pay the least.
Teen drivers cost considerably more to insure, with rates as high as $5,738 for a 16-year-old driving a 2022 Tacoma with full coverage and low deductibles.
Which Tacoma has the cheapest insurance?
The Tacoma trim with the cheapest insurance rates is the SR Access Cab 4WD at an average cost of $1,282 per year. On the high end, the TRD Pro AWD Automatic at $1,588 will cost the most to insure.
As buyers add options and packages to their Tacoma, the cost obviously increases. With higher MSRP (and vehicle value) insurance cost increases as well. The SR Access Cab 4WD starts at $29,775 and increases to $48,840 for the TRD Pro AWD Automatic, so insurance cost is going to be higher for the upper-end trim levels.
The table below shows average Tacoma insurance rates for various policy terms for each of the available trim levels and models.
| Toyota Tacoma Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| SR Access Cab 4WD | $1,282 | $641 | $107 |
| SR Access Cab 2WD | $1,284 | $642 | $107 |
| SR Double Cab 2WD | $1,304 | $652 | $109 |
| SR5 Access Cab 2WD | $1,326 | $663 | $111 |
| SR Access Cab V6 4WD | $1,330 | $665 | $111 |
| SR5 Double Cab 2WD | $1,342 | $671 | $112 |
| SR5 Double Cab V6 4WD | $1,384 | $692 | $115 |
| SR5 Access Cab V6 2WD | $1,390 | $695 | $116 |
| TRD Sport Access Cab V6 4WD | $1,398 | $699 | $117 |
| TRD Off-Road Double Cab V6 4WD | $1,408 | $704 | $117 |
| TRD Sport Double Cab V6 4WD | $1,408 | $704 | $117 |
| SR5 Double Cab V6 2WD | $1,416 | $708 | $118 |
| TRD Sport Access Cab V6 2WD | $1,422 | $711 | $119 |
| TRD Sport Double Cab V6 2WD | $1,440 | $720 | $120 |
| TRD Off-Road Double Cab V6 2WD | $1,444 | $722 | $120 |
| Limited Double Cab V6 4WD | $1,460 | $730 | $122 |
| Limited Double Cab V6 2WD | $1,500 | $750 | $125 |
| TRD Pro AWD Manual | $1,566 | $783 | $131 |
| TRD Pro AWD Automatic | $1,588 | $794 | $132 |
The Tacoma vs. other midsize trucks: How does it rank?
When compared to all other midsize trucks, the Tacoma ranks #4 for having the most affordable insurance rates at $1,406 per year. Second and third place honors for the cheapest insurance in the midsize truck segment go to the Ford Maverick, costing $1,294 per year, and the Ford Ranger at $1,346.
The chart below shows how well Tacoma insurance prices fare against other midsize trucks like the Chevrolet Colorado, Ford Ranger, and the Jeep Gladiator.
Another useful way to look at insurance rates is to compare the cost to insure other pickup models that have the closest purchase price to the Tacoma.
A 2022 Toyota Tacoma has an average MSRP of $35,157, which ranges from $29,775 to $48,840, depending on the exact trim level and option package.
The four midsize pickup models closest in price to the Toyota Tacoma are the Chevrolet Colorado, GMC Canyon, Nissan Frontier, and Ford Ranger.
The list below shows how each of these models compares to the Tacoma for both average purchase price and the cost of insurance.
- Compared to the Chevrolet Colorado – The average MSRP for a 2022 Toyota Tacoma is $119 cheaper than the Chevrolet Colorado, at $35,157 compared to $35,276. Insuring the Chevrolet Colorado costs an average of $160 less each year than the Toyota Tacoma.
- Compared to the GMC Canyon – The GMC Canyon has an average sticker price of $37,220, ranging from $29,480 to $45,895, which is $2,063 more expensive than the average sticker price for the Toyota Tacoma. The cost to insure a Toyota Tacoma compared to the GMC Canyon is $42 less per year on average.
- Compared to the Nissan Frontier – Having an average MSRP of $33,062 ($28,140 to $37,370), the Nissan Frontier costs $2,095 less than the Toyota Tacoma. Insuring a Tacoma compared to the Nissan Frontier costs an average of $34 less every 12 months.
- Compared to the Ford Ranger – The average MSRP for a 2022 Toyota Tacoma is $2,610 more expensive than the Ford Ranger, at $35,157 compared to $32,548. Insurance on a 2022 Toyota Tacoma costs an average of $60 more every 12 months than the Ford Ranger.
Toyota Tacoma prior model year insurance rates
The following sections detail Toyota Tacoma car insurance rates for every trim level for the 2013 to 2021 model years.
How much are 2021 Tacoma insurance rates?
Average car insurance rates for a 2021 Toyota Tacoma are $1,304 per year, or around $109 per month. Rates range from $1,190 per year for the Tacoma Access Cab SR5 2WD to $1,394 for the Tacoma Double Cab Limited 2WD.
| 2021 Toyota Tacoma Trim Level | Annual Rate | Per Month |
|---|---|---|
| Access Cab SR5 2WD | $1,190 | $99 |
| Access Cab SR 4WD | $1,206 | $101 |
| Access Cab SR5 4WD | $1,248 | $104 |
| Double Cab SR 4WD | $1,248 | $104 |
| Access Cab TRD Off-Road 4WD | $1,294 | $108 |
| Access Cab TRD Sport 4WD | $1,294 | $108 |
| Double Cab SR5 4WD | $1,294 | $108 |
| Double Cab SR5 2WD | $1,304 | $109 |
| Double Cab TRD Off-Road 4WD | $1,340 | $112 |
| Double Cab TRD Sport 4WD | $1,340 | $112 |
| Double Cab TRD Sport 2WD | $1,348 | $112 |
| Double Cab Limited 4WD | $1,384 | $115 |
| Double Cab TRD Pro 4WD | $1,384 | $115 |
| Double Cab Limited 2WD | $1,394 | $116 |
How much are 2020 Tacoma car insurance rates?
Average car insurance rates for a 2020 Toyota Tacoma are $1,276 per year, or around $106 per month. Rates range from $1,172 per year for the Tacoma Access Cab SR5 2WD to $1,366 for the Tacoma Double Cab Limited 2WD.
| 2020 Toyota Tacoma Trim Level | Annual Rate | Per Month |
|---|---|---|
| Access Cab SR5 2WD | $1,172 | $98 |
| Access Cab SR 4WD | $1,182 | $99 |
| Access Cab SR5 4WD | $1,224 | $102 |
| Double Cab SR 4WD | $1,224 | $102 |
| Access Cab TRD Off-Road 4WD | $1,268 | $106 |
| Access Cab TRD Sport 4WD | $1,268 | $106 |
| Double Cab SR5 4WD | $1,268 | $106 |
| Double Cab SR5 2WD | $1,280 | $107 |
| Double Cab TRD Off-Road 4WD | $1,312 | $109 |
| Double Cab TRD Sport 4WD | $1,312 | $109 |
| Double Cab TRD Sport 2WD | $1,322 | $110 |
| Double Cab Limited 4WD | $1,356 | $113 |
| Double Cab TRD Pro 4WD | $1,356 | $113 |
| Double Cab Limited 2WD | $1,366 | $114 |
What does 2019 Toyota Tacoma car insurance cost?
Auto insurance rates for a 2019 Toyota Tacoma average $1,260 per year, or about $105 per month. Rates range from $1,156 per year for the Tacoma Access Cab SR5 2WD to $1,348 for the Tacoma Double Cab Limited 2WD.
| 2019 Toyota Tacoma Trim Level | Annual Rate | Per Month |
|---|---|---|
| Access Cab SR5 2WD | $1,156 | $96 |
| Access Cab SR 4WD | $1,162 | $97 |
| Access Cab SR5 4WD | $1,206 | $101 |
| Double Cab SR 4WD | $1,206 | $101 |
| Access Cab TRD Off-Road 4WD | $1,250 | $104 |
| Access Cab TRD Sport 4WD | $1,250 | $104 |
| Double Cab SR5 4WD | $1,250 | $104 |
| Double Cab SR5 2WD | $1,262 | $105 |
| Double Cab TRD Off-Road 4WD | $1,292 | $108 |
| Double Cab TRD Sport 4WD | $1,292 | $108 |
| Double Cab TRD Sport 2WD | $1,304 | $109 |
| Double Cab Limited 4WD | $1,334 | $111 |
| Double Cab TRD Pro 4WD | $1,334 | $111 |
| Double Cab Limited 2WD | $1,348 | $112 |
How much does 2018 Tacoma insurance cost?
2018 Toyota Tacoma insurance rates average $1,420 per year, or around $118 per month. Cost ranges from $1,268 per year for the Tacoma Access Cab SR 2WD to $1,542 for the Tacoma Double Cab TRD Pro 4WD.
| 2018 Toyota Tacoma Trim Level | Annual Rate | Per Month |
|---|---|---|
| Access Cab SR 2WD | $1,268 | $106 |
| Double Cab SR 2WD | $1,308 | $109 |
| Access Cab SR5 2WD | $1,308 | $109 |
| Access Cab SR 4WD | $1,352 | $113 |
| Double Cab SR5 2WD | $1,376 | $115 |
| Access Cab TRD Sport 2WD | $1,390 | $116 |
| Access Cab SR5 4WD | $1,420 | $118 |
| Double Cab SR 4WD | $1,420 | $118 |
| Double Cab TRD Off-Road 2WD | $1,432 | $119 |
| Double Cab TRD Sport 2WD | $1,432 | $119 |
| Access Cab TRD Off-Road 4WD | $1,460 | $122 |
| Access Cab TRD Sport 4WD | $1,460 | $122 |
| Double Cab SR5 4WD | $1,460 | $122 |
| Double Cab TRD Off-Road 4WD | $1,460 | $122 |
| Double Cab TRD Sport 4WD | $1,460 | $122 |
| Double Cab Limited 2WD | $1,472 | $123 |
| Double Cab Limited 4WD | $1,542 | $129 |
| Double Cab TRD Pro 4WD | $1,542 | $129 |
How much are 2017 Tacoma car insurance rates?
A 2017 Toyota Tacoma averages $1,360 per year for full coverage insurance, or around $113 per month. Rates range from $1,236 per year for the Tacoma Access Cab SR 2WD to $1,502 for the Tacoma Double Cab TRD Pro 4WD.
| 2017 Toyota Tacoma Trim Level | Annual Rate | Per Month |
|---|---|---|
| Access Cab SR 2WD | $1,236 | $103 |
| Double Cab SR 2WD | $1,236 | $103 |
| Access Cab SR5 2WD | $1,276 | $106 |
| Double Cab SR5 2WD | $1,276 | $106 |
| Access Cab SR 4WD | $1,292 | $108 |
| Double Cab SR 4WD | $1,344 | $112 |
| Access Cab TRD Sport 2WD | $1,356 | $113 |
| Double Cab TRD Off-Road 2WD | $1,356 | $113 |
| Double Cab TRD Sport 2WD | $1,356 | $113 |
| Access Cab SR5 4WD | $1,364 | $114 |
| Access Cab TRD Sport 4WD | $1,384 | $115 |
| Double Cab SR5 4WD | $1,384 | $115 |
| Double Cab Limited 2WD | $1,394 | $116 |
| Access Cab TRD Off-Road 4WD | $1,422 | $119 |
| Double Cab TRD Off-Road 4WD | $1,422 | $119 |
| Double Cab TRD Sport 4WD | $1,422 | $119 |
| Double Cab Limited 4WD | $1,462 | $122 |
| Double Cab TRD Pro 4WD | $1,502 | $125 |
How much does 2016 Toyota Tacoma insurance cost?
Average insurance cost for a 2016 Toyota Tacoma is $1,318 per year, or around $110 per month. Rates range from $1,186 per year for the Tacoma Access Cab SR 2WD to $1,432 for the Tacoma Double Cab Limited 4WD.
| 2016 Toyota Tacoma Trim Level | Annual Rate | Per Month |
|---|---|---|
| Access Cab SR 2WD | $1,186 | $99 |
| Access Cab SR5 2WD | $1,210 | $101 |
| Double Cab SR 2WD | $1,224 | $102 |
| Access Cab SR 4WD | $1,248 | $104 |
| Double Cab SR5 2WD | $1,284 | $107 |
| Access Cab TRD Sport 2WD | $1,296 | $108 |
| Access Cab SR5 4WD | $1,322 | $110 |
| Double Cab SR 4WD | $1,322 | $110 |
| Double Cab TRD Sport 2WD | $1,332 | $111 |
| Double Cab TRD Off-Road 2WD | $1,332 | $111 |
| Access Cab TRD Off-Road 4WD | $1,358 | $113 |
| Access Cab TRD Sport 4WD | $1,358 | $113 |
| Double Cab SR5 4WD | $1,358 | $113 |
| Double Cab Limited 2WD | $1,370 | $114 |
| Double Cab TRD Sport 4WD | $1,378 | $115 |
| Double Cab TRD Off-Road 4WD | $1,380 | $115 |
| Double Cab Limited 4WD | $1,432 | $119 |
How much are 2015 Toyota Tacoma car insurance prices?
Insurance rates average $1,190 per year for a 2015 Toyota Tacoma, or around $99 per month. Rates range from $1,044 per year for the Tacoma Access Cab 2WD to $1,318 for the Tacoma Double Cab TRD Pro 4WD.
| 2015 Toyota Tacoma Trim Level | Annual Rate | Per Month |
|---|---|---|
| Access Cab 2WD | $1,044 | $87 |
| Double Cab 2WD | $1,080 | $90 |
| Access Cab 4WD | $1,142 | $95 |
| Access Cab TRD Off-Road 2WD | $1,150 | $96 |
| Access Cab TRD Sport 2WD | $1,150 | $96 |
| Access Cab TRD Off-Road 4WD | $1,176 | $98 |
| Access Cab TRD Sport 4WD | $1,176 | $98 |
| Double Cab 4WD | $1,176 | $98 |
| Double Cab TRD Off-Road 4WD | $1,248 | $104 |
| Double Cab TRD Sport 4WD | $1,248 | $104 |
| Access Cab TRD Pro 4WD | $1,282 | $107 |
| Double Cab Limited 4WD | $1,282 | $107 |
| Double Cab TRD Pro 4WD | $1,318 | $110 |
What does a 2014 Tacoma cost to insure?
Average insurance cost for a 2014 Toyota Tacoma is $1,088 per year, or around $91 per month. Rates range from $964 per year for the Tacoma 2WD to $1,200 for the Tacoma Double Cab TRD Off-Road 4WD.
| 2014 Toyota Tacoma Trim Level | Annual Rate | Per Month |
|---|---|---|
| 2WD | $964 | $80 |
| Access Cab 2WD | $1,028 | $86 |
| 4WD | $1,040 | $87 |
| Double Cab 2WD | $1,060 | $88 |
| Access Cab 4WD | $1,104 | $92 |
| Double Cab 4WD | $1,136 | $95 |
| Double Cab TRD Sport 4WD | $1,168 | $97 |
| Double Cab TRD Off-Road 4WD | $1,200 | $100 |
How much does 2013 Tacoma insurance cost?
Insurance rates for a 2013 Toyota Tacoma average $1,060 per year, or about $88 per month. Rates range from $956 per year for the Tacoma 2WD to $1,142 for the Tacoma Double Cab TRD Off-Road 4WD.
| 2013 Toyota Tacoma Trim Level | Annual Rate | Per Month |
|---|---|---|
| 2WD | $956 | $80 |
| 4WD | $996 | $83 |
| Access Cab 2WD | $1,014 | $85 |
| Double Cab 2WD | $1,044 | $87 |
| Access Cab 4WD | $1,054 | $88 |
| Double Cab 4WD | $1,102 | $92 |
| X-Runner 2WD | $1,102 | $92 |
| Double Cab TRD Sport 4WD | $1,130 | $94 |
| Double Cab TRD Off-Road 4WD | $1,142 | $95 |
Location and the cost of insuring a Toyota Tacoma
Your location is one of the primary factors that determine how much Tacoma insurance costs. The chart below shows how much insurance averages on a 2022 Toyota Tacoma in the top 15 largest metro areas in the U.S.
Just like car insurance rates have significant variation in different cities, they vary just as much between states. Some states have more favorable liability laws that help keep the cost of insurance down. The table below shows estimated auto insurance rates for a 2022 Toyota Tacoma in all 50 states.
| U.S. State | Annual Cost | 6-month Cost | Monthly Cost |
|---|---|---|---|
| Alabama | $1,154 | $577 | $96 |
| Alaska | $1,240 | $620 | $103 |
| Arizona | $1,262 | $631 | $105 |
| Arkansas | $1,514 | $757 | $126 |
| California | $1,622 | $811 | $135 |
| Colorado | $1,512 | $756 | $126 |
| Connecticut | $1,372 | $686 | $114 |
| Delaware | $1,436 | $718 | $120 |
| Florida | $2,068 | $1,034 | $172 |
| Georgia | $1,366 | $683 | $114 |
| Hawaii | $962 | $481 | $80 |
| Idaho | $1,116 | $558 | $93 |
| Illinois | $1,144 | $572 | $95 |
| Indiana | $1,054 | $527 | $88 |
| Iowa | $1,024 | $512 | $85 |
| Kansas | $1,422 | $711 | $119 |
| Kentucky | $1,644 | $822 | $137 |
| Louisiana | $2,050 | $1,025 | $171 |
| Maine | $976 | $488 | $81 |
| Maryland | $1,278 | $639 | $107 |
| Massachusetts | $1,158 | $579 | $97 |
| Michigan | $2,250 | $1,125 | $188 |
| Minnesota | $1,244 | $622 | $104 |
| Mississippi | $1,336 | $668 | $111 |
| Missouri | $1,498 | $749 | $125 |
| Montana | $1,380 | $690 | $115 |
| Nebraska | $1,352 | $676 | $113 |
| Nevada | $1,550 | $775 | $129 |
| New Hampshire | $854 | $427 | $71 |
| New Jersey | $1,336 | $668 | $111 |
| New Mexico | $1,134 | $567 | $95 |
| New York | $1,502 | $751 | $125 |
| North Carolina | $896 | $448 | $75 |
| North Dakota | $1,178 | $589 | $98 |
| Ohio | $822 | $411 | $69 |
| Oklahoma | $1,374 | $687 | $115 |
| Oregon | $1,186 | $593 | $99 |
| Pennsylvania | $1,190 | $595 | $99 |
| Rhode Island | $1,666 | $833 | $139 |
| South Carolina | $1,304 | $652 | $109 |
| South Dakota | $1,280 | $640 | $107 |
| Tennessee | $1,116 | $558 | $93 |
| Texas | $1,332 | $666 | $111 |
| Utah | $1,168 | $584 | $97 |
| Vermont | $938 | $469 | $78 |
| Virginia | $914 | $457 | $76 |
| Washington | $1,074 | $537 | $90 |
| West Virginia | $1,272 | $636 | $106 |
| Wisconsin | $962 | $481 | $80 |
| Wyoming | $1,298 | $649 | $108 |
Without a doubt, the Tacoma is a great truck despite being overdue for a redesign. Insuring a Tacoma should not break the bank (depending on your location, of course) and all those “taco” owners will be pleased to know they have the lowest insurance rates in the midsize truck category.
