Toyota Tacoma Insurance Cost for 2021

• Toyota Tacoma insurance cost averages $1,322 per year, $661 for a 6-month policy, or $110 per month.
• The cheapest Tacoma to insure is the Access Cab SR5 2WD trim level at an estimated $1,210 per year. The most expensive to insure is the Double Cab Limited 2WD at $1,416 annually.
• When compared to the entire 2021 midsize truck segment, the Tacoma ranks #4 for insurance affordability, costing $39 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 $1,322 yearly, or around $110 each month. With the average midsize truck costing $1,361 a year to insure, the Tacoma could save around $39 each year depending on the trim level.

The next chart illustrates how 2021 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 $5,362 for a 16-year-old driving a 2021 Tacoma with full coverage and low deductibles.

Which Tacoma has the cheapest insurance?

The Tacoma trim with the cheapest insurance rates is the Access Cab SR5 2WD at an average cost of $1,210 per year. On the high end, the Double Cab Limited 2WD at $1,416 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 model starts at $26,150 and increases to $44,075 for the TRD Pro, so insurance cost is going to be higher for the upper-end trim levels, including the Tacoma Limited model.

The table below shows average Tacoma insurance rates for various policy terms for each of the available trim levels and models.

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 $1,322 per year. Second and third place honors for the cheapest insurance in the midsize truck segment go to the Nissan Frontier, costing $1,314 per year, and the Ford Ranger at $1,316.

The chart below shows how well Tacoma insurance prices fare against other midsize trucks like the Chevrolet Colorado, Ford Ranger, and the Jeep Gladiator.

Toyota Tacoma prior model year insurance rates

The following sections detail Toyota Tacoma car insurance rates for every trim level for the 2013 to 2020 model years.

How much are 2020 Tacoma car insurance rates?

Average car insurance rates for a 2020 Toyota Tacoma are $1,286 per year, or around $107 per month. Rates range from $1,180 per year for the Tacoma Access Cab SR5 2WD to $1,380 for the Tacoma Double Cab Limited 2WD.

What does 2019 Toyota Tacoma car insurance cost?

Auto insurance rates for a 2019 Toyota Tacoma average $1,262 per year, or about $105 per month. Rates range from $1,160 per year for the Tacoma Access Cab SR5 2WD to $1,354 for the Tacoma Double Cab Limited 2WD.

How much does 2018 Tacoma insurance cost?

2018 Toyota Tacoma insurance rates average $1,444 per year, or around $120 per month. Cost ranges from $1,282 per year for the Tacoma Access Cab SR 2WD to $1,566 for the Tacoma Double Cab TRD Pro 4WD.

How much are 2017 Tacoma car insurance rates?

A 2017 Toyota Tacoma averages $1,382 per year for full coverage insurance, or around $115 per month. Rates range from $1,254 per year for the Tacoma Access Cab SR 2WD to $1,526 for the Tacoma Double Cab TRD Pro 4WD.

How much does 2016 Toyota Tacoma insurance cost?

Average insurance cost for a 2016 Toyota Tacoma is $1,362 per year, or around $114 per month. Rates range from $1,214 per year for the Tacoma Access Cab SR 2WD to $1,476 for the Tacoma Double Cab Limited 4WD.

How much are 2015 Toyota Tacoma car insurance prices?

Insurance rates average $1,228 per year for a 2015 Toyota Tacoma, or around $102 per month. Rates range from $1,058 per year for the Tacoma Access Cab 2WD to $1,346 for the Tacoma Double Cab TRD Pro 4WD.

What does a 2014 Tacoma cost to insure?

Average insurance cost for a 2014 Toyota Tacoma is $1,150 per year, or around $96 per month. Rates range from $990 per year for the Tacoma 2WD to $1,244 for the Tacoma Double Cab TRD Off-Road 4WD.

How much does 2013 Tacoma insurance cost?

Insurance rates for a 2013 Toyota Tacoma average $1,108 per year, or about $92 per month. Rates range from $976 per year for the Tacoma 2WD to $1,178 for the Tacoma Double Cab TRD Off-Road 4WD.

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 2021 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 2021 Toyota Tacoma in all 50 states.

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.