Toyota Tacoma Insurance Cost for 2021

We compared Toyota Tacoma car insurance rates from the Access Cab SR model up to the loaded Double Cab Limited and TRD Pro trim levels to see how prices compared to the competition.

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  • 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.

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Chart Data Details: Chart shows average insurance cost for a 2021 Toyota Tacoma with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Toyota Tacoma trim levels.
Toyota Tacoma Insurance Rate Summary
Toyota Tacoma Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,204$184
$500$2,622$219
$250$3,062$255
30$1,000$1,164$97
$500$1,398$117
$250$1,640$137
40$1,000$1,108$92
$500$1,322$110
$250$1,544$129
50$1,000$1,012$84
$500$1,204$100
$250$1,406$117
60$1,000$994$83
$500$1,180$98
$250$1,380$115

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.

2021 Toyota Tacoma Insurance Cost by Trim Level
Toyota Tacoma Trim Level Annual Policy 6-month Policy Per Month
Access Cab SR5 2WD$1,210$605$101
Access Cab SR 4WD$1,222$611$102
Access Cab SR5 4WD$1,268$634$106
Double Cab SR 4WD$1,268$634$106
Access Cab TRD Off-Road 4WD$1,314$657$110
Access Cab TRD Sport 4WD$1,314$657$110
Double Cab SR5 4WD$1,314$657$110
Double Cab SR5 2WD$1,324$662$110
Double Cab TRD Off-Road 4WD$1,360$680$113
Double Cab TRD Sport 4WD$1,360$680$113
Double Cab TRD Sport 2WD$1,370$685$114
Double Cab Limited 4WD$1,406$703$117
Double Cab TRD Pro 4WD$1,406$703$117
Double Cab Limited 2WD$1,416$708$118

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2021 Toyota Tacoma, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.
Toyota Tacoma Insurance Cost by Trim Level

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2021 model year Toyota Tacoma, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Toyota Tacoma trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.
Toyota Tacoma Insurance Cost vs Other Midsize Trucks
Toyota Tacoma Insurance Cost Compared to All Midsize Trucks
Rank Make/Model Insurance Cost Difference
1Chevrolet Colorado$1,254-$68
2Nissan Frontier$1,314-$8
3Ford Ranger$1,316-$6
4Toyota Tacoma$1,322--
5GMC Canyon$1,426$104
6Jeep Gladiator$1,444$122
7Honda Ridgeline$1,454$132

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.

2020 Toyota Tacoma Insurance Cost by Trim Level
2020 Toyota Tacoma Trim Level Annual Rate Per Month
Access Cab SR5 2WD$1,180$98
Access Cab SR 4WD$1,192$99
Access Cab SR5 4WD$1,238$103
Double Cab SR 4WD$1,238$103
Access Cab TRD Off-Road 4WD$1,282$107
Access Cab TRD Sport 4WD$1,282$107
Double Cab SR5 4WD$1,282$107
Double Cab SR5 2WD$1,292$108
Double Cab TRD Off-Road 4WD$1,328$111
Double Cab TRD Sport 4WD$1,328$111
Double Cab TRD Sport 2WD$1,338$112
Double Cab Limited 4WD$1,370$114
Double Cab TRD Pro 4WD$1,370$114
Double Cab Limited 2WD$1,380$115

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2020 Toyota Tacoma, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.
2020 Toyota Tacoma Insurance Cost by Trim Level

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.

2019 Toyota Tacoma Insurance Cost by Trim Level
2019 Toyota Tacoma Trim Level Annual Rate Per Month
Access Cab SR5 2WD$1,160$97
Access Cab SR 4WD$1,170$98
Access Cab SR5 4WD$1,214$101
Double Cab SR 4WD$1,214$101
Access Cab TRD Off-Road 4WD$1,258$105
Access Cab TRD Sport 4WD$1,258$105
Double Cab SR5 4WD$1,258$105
Double Cab SR5 2WD$1,268$106
Double Cab TRD Off-Road 4WD$1,300$108
Double Cab TRD Sport 4WD$1,300$108
Double Cab TRD Sport 2WD$1,312$109
Double Cab Limited 4WD$1,342$112
Double Cab TRD Pro 4WD$1,342$112
Double Cab Limited 2WD$1,354$113

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2019 Toyota Tacoma, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.
2019 Toyota Tacoma Insurance Cost by Trim Level

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.

2018 Toyota Tacoma Insurance Cost by Trim Level
2018 Toyota Tacoma Trim Level Annual Rate Per Month
Access Cab SR 2WD$1,282$107
Double Cab SR 2WD$1,324$110
Access Cab SR5 2WD$1,324$110
Access Cab SR 4WD$1,368$114
Double Cab SR5 2WD$1,396$116
Access Cab TRD Sport 2WD$1,410$118
Access Cab SR5 4WD$1,440$120
Double Cab SR 4WD$1,440$120
Double Cab TRD Off-Road 2WD$1,452$121
Double Cab TRD Sport 2WD$1,452$121
Access Cab TRD Off-Road 4WD$1,482$124
Access Cab TRD Sport 4WD$1,482$124
Double Cab SR5 4WD$1,482$124
Double Cab TRD Off-Road 4WD$1,482$124
Double Cab TRD Sport 4WD$1,482$124
Double Cab Limited 2WD$1,494$125
Double Cab Limited 4WD$1,566$131
Double Cab TRD Pro 4WD$1,566$131

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2018 Toyota Tacoma, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.
2018 Toyota Tacoma Insurance Cost by Trim Level

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.

2017 Toyota Tacoma Insurance Cost by Trim Level
2017 Toyota Tacoma Trim Level Annual Rate Per Month
Access Cab SR 2WD$1,254$105
Double Cab SR 2WD$1,254$105
Access Cab SR5 2WD$1,294$108
Double Cab SR5 2WD$1,294$108
Access Cab SR 4WD$1,310$109
Double Cab SR 4WD$1,362$114
Access Cab TRD Sport 2WD$1,374$115
Double Cab TRD Off-Road 2WD$1,374$115
Double Cab TRD Sport 2WD$1,374$115
Access Cab SR5 4WD$1,384$115
Access Cab TRD Sport 4WD$1,404$117
Double Cab SR5 4WD$1,404$117
Double Cab Limited 2WD$1,416$118
Access Cab TRD Off-Road 4WD$1,444$120
Double Cab TRD Off-Road 4WD$1,444$120
Double Cab TRD Sport 4WD$1,444$120
Double Cab Limited 4WD$1,484$124
Double Cab TRD Pro 4WD$1,526$127

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2017 Toyota Tacoma, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.
2017 Toyota Tacoma Insurance Cost by Trim Level

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.

2016 Toyota Tacoma Insurance Cost by Trim Level
2016 Toyota Tacoma Trim Level Annual Rate Per Month
Access Cab SR 2WD$1,214$101
Access Cab SR5 2WD$1,238$103
Double Cab SR 2WD$1,252$104
Access Cab SR 4WD$1,280$107
Double Cab SR5 2WD$1,318$110
Access Cab TRD Sport 2WD$1,332$111
Access Cab SR5 4WD$1,358$113
Double Cab SR 4WD$1,358$113
Double Cab TRD Sport 2WD$1,368$114
Double Cab TRD Off-Road 2WD$1,368$114
Access Cab TRD Off-Road 4WD$1,396$116
Access Cab TRD Sport 4WD$1,396$116
Double Cab SR5 4WD$1,396$116
Double Cab Limited 2WD$1,408$117
Double Cab TRD Sport 4WD$1,416$118
Double Cab TRD Off-Road 4WD$1,418$118
Double Cab Limited 4WD$1,476$123

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2016 Toyota Tacoma, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.
2016 Toyota Tacoma Insurance Cost by Trim Level

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.

2015 Toyota Tacoma Insurance Cost by Trim Level
2015 Toyota Tacoma Trim Level Annual Rate Per Month
Access Cab 2WD$1,058$88
Double Cab 2WD$1,096$91
Access Cab 4WD$1,162$97
Access Cab TRD Off-Road 2WD$1,170$98
Access Cab TRD Sport 2WD$1,170$98
Access Cab TRD Off-Road 4WD$1,198$100
Access Cab TRD Sport 4WD$1,198$100
Double Cab 4WD$1,198$100
Double Cab TRD Off-Road 4WD$1,272$106
Double Cab TRD Sport 4WD$1,272$106
Access Cab TRD Pro 4WD$1,308$109
Double Cab Limited 4WD$1,308$109
Double Cab TRD Pro 4WD$1,346$112

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2015 Toyota Tacoma, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.
2015 Toyota Tacoma Insurance Cost by Trim Level

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.

2014 Toyota Tacoma Insurance Cost by Trim Level
2014 Toyota Tacoma Trim Level Annual Rate Per Month
2WD$990$83
Access Cab 2WD$1,058$88
4WD$1,072$89
Double Cab 2WD$1,092$91
Access Cab 4WD$1,140$95
Double Cab 4WD$1,176$98
Double Cab TRD Sport 4WD$1,210$101
Double Cab TRD Off-Road 4WD$1,244$104

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2014 Toyota Tacoma, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.
2014 Toyota Tacoma Insurance Cost by Trim Level

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.

2013 Toyota Tacoma Insurance Cost by Trim Level
2013 Toyota Tacoma Trim Level Annual Rate Per Month
2WD$976$81
4WD$1,020$85
Access Cab 2WD$1,040$87
Double Cab 2WD$1,070$89
Access Cab 4WD$1,082$90
Double Cab 4WD$1,134$95
X-Runner 2WD$1,134$95
Double Cab TRD Sport 4WD$1,164$97
Double Cab TRD Off-Road 4WD$1,178$98

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2013 Toyota Tacoma, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.
2013 Toyota Tacoma Insurance Cost by Trim Level

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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2021 Toyota Tacoma, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Toyota Tacoma trim levels.
Toyota Tacoma Insurance Rates in 15 Largest U.S. Cities
Toyota Tacoma Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$2,468$206
Philadelphia, PA$2,174$181
Los Angeles, CA$2,162$180
San Francisco, CA$1,854$155
San Jose, CA$1,532$128
Phoenix, AZ$1,486$124
San Diego, CA$1,458$122
Jacksonville, FL$1,454$121
Chicago, IL$1,404$117
Dallas, TX$1,378$115
Houston, TX$1,372$114
Indianapolis, IN$1,306$109
San Antonio, TX$1,232$103
Austin, TX$1,170$98
Columbus, OH$962$80

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.

Toyota Tacoma Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,112$556$93
Alaska$1,038$519$87
Arizona$1,194$597$100
Arkansas$1,272$636$106
California$1,464$732$122
Colorado$1,414$707$118
Connecticut$1,446$723$121
Delaware$1,432$716$119
Florida$1,784$892$149
Georgia$1,364$682$114
Hawaii$1,052$526$88
Idaho$884$442$74
Illinois$942$471$79
Indiana$962$481$80
Iowa$874$437$73
Kansas$1,148$574$96
Kentucky$1,498$749$125
Louisiana$1,956$978$163
Maine$836$418$70
Maryland$1,224$612$102
Massachusetts$1,112$556$93
Michigan$2,372$1,186$198
Minnesota$1,174$587$98
Mississippi$1,176$588$98
Missouri$1,162$581$97
Montana$1,216$608$101
Nebraska$1,044$522$87
Nevada$1,480$740$123
New Hampshire$960$480$80
New Jersey$1,282$641$107
New Mexico$1,144$572$95
New York$1,468$734$122
North Carolina$900$450$75
North Dakota$1,016$508$85
Ohio$892$446$74
Oklahoma$1,424$712$119
Oregon$1,170$585$98
Pennsylvania$1,166$583$97
Rhode Island$1,574$787$131
South Carolina$1,226$613$102
South Dakota$1,094$547$91
Tennessee$1,094$547$91
Texas$1,282$641$107
Utah$1,082$541$90
Vermont$916$458$76
Virginia$850$425$71
Washington$1,040$520$87
West Virginia$1,174$587$98
Wisconsin$966$483$81
Wyoming$1,176$588$98

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2021 Toyota Tacoma, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Toyota Tacoma trim levels. Physical damage deductibles are $500 and rates are averaged for all zip codes in each state.
Toyota Tacoma insurance rates by U.S. state

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.