Cost of Toyota Tacoma Car Insurance (2025)
Toyota Tacoma insurance costs less than the national average.
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Featuring an excellent blend of reliability, engine power, and traction control for off-road adventures, it’s no wonder the Toyota Tacoma has become the bestselling pickup truck in the U.S. Nearly half of all midsize pickups sold in early 2023 were Tacomas — a far higher market share than others, like the Nissan Frontier (15% of sales) or the Ford Ranger (10%).1
Tacomas are affordable, with a starting MSRP of $28,600 versus $32,565 for the Ford Ranger and $36,800 for larger trucks, like the Chevrolet Silverado. Toyota Tacoma insurance rates are cheap too, costing a monthly average of $92 for liability and $183 for full coverage. That’s less than the nationwide car insurance averages of $103 for liability coverage and $182 for full coverage.
Here’s what you should know about getting affordable coverage for your Toyota Tacoma.
Cost of Toyota Tacoma insurance
Toyota Tacoma car insurance rates are relatively affordable among Insurify partners, costing an average of $92 per month for liability insurance and $183 per month for a full-coverage policy. USAA offers the cheapest Toyota insurance rates for military members and their families, while State Farm and GEICO are the cheapest insurance companies for the general public.
2023 Toyota Tacoma insurance
New in 2023, the Toyota Tacoma is available in seven different trim packages, ranging in cost from $28,600 for the Toyota Tacoma SR to $48,035 for the Toyota Tacoma TRD Pro.
2022 Toyota Tacoma insurance
The starting MSRP on a new Toyota Tacoma was $26,500, lower than the previous model year.4
2021 Toyota Tacoma insurance
A new Toyota Tacoma in 2021 came with an MSRP of $27,230 to $44,325, with the same six trim options available in previous years.
2020 Toyota Tacoma insurance
The actual cost of a new Toyota Tacoma in 2020 ranged from $26,880 to $43,960, with six trim options to choose from.
2019 Toyota Tacoma insurance
The 2019 Toyota Tacoma came with a starting MSRP of $25,580, ranging up to $42,960 with the top-level trim package.
2018 Toyota Tacoma insurance
The 2018 Toyota Tacoma was available in six trim levels, ranging in cost from $26,230 to $41,720.
2017 Toyota Tacoma insurance
The MSRP on a new 2017 Toyota Tacoma ranged from $25,405 to $41,215 based on the type of trim for that model year.
2016 Toyota Tacoma insurance
The Toyota Tacoma had an MSRP starting at $24,490 and going up to $35,105, with five different trim package options in 2016.
2015 Toyota Tacoma insurance
Owners of a new Toyota Tacoma paid between $20,965 and $35,725 in 2015, depending on the trim level they selected.
2014 Toyota Tacoma insurance
The MSRP on a new Toyota Tacoma in 2014 ranged from $22,725 to $23,275, with just two trim levels to choose from.
Toyota Tacoma car insurance coverages
States require a minimum amount of insurance coverage, but many drivers purchase higher Toyota Tacoma coverage options to make sure they’re fully protected.
Toyota Tacoma crash test ratings may be excellent, for example, but they won’t buy you another car if it’s totaled. You’ll need other insurance products for that:
Toyota Tacoma car insurance FAQs
It’s important to research each insurer when shopping for car insurance quotes since this can have a significant effect on your rates. Here’s some additional information that can help as you research coverage options for your Tacoma.
Who has the cheapest Toyota Tacoma insurance?
USAA offers the most affordable insurance rates for Toyota Tacoma owners, with monthly rates starting at $56 for liability-only coverage and $122 for full coverage on a new model. But it’s only available for people associated with the military.
If that’s not an option for you, State Farm and GEICO are the next-cheapest choices, with monthly rates starting at $64 and $65 for liability insurance, respectively.
Are Toyota Tacomas expensive to insure?
Good news: Toyota Tacoma auto insurance rates are cheaper than the average vehicle. Nationwide, people pay $103 per month for liability coverage and $182 for full coverage.
But your exact insurance costs will depend on multiple factors, like the model year of your Toyota Tacoma, your credit history, whether you live in an urban area, your age, marital status, past traffic violations, and whether you can score any good discounts.
How much does it cost to insure a Toyota Tacoma?
The cost of Toyota Tacoma car insurance varies widely among car insurance companies and model years. But in general, Toyota Tacoma owners pay an average of $92 per month for liability coverage and $183 per month for full coverage. High-risk drivers with a history of violations generally pay the highest auto insurance premiums.
How much is full-coverage insurance on a new Tacoma?
USAA charges the cheapest Toyota Tacoma car insurance rates for a full-coverage policy, with an average monthly payment of $122 for the 2023 model year. It’s only available for people linked to the military, however. State Farm offers the second-best rates on Toyota Tacoma insurance coverage for the general public, with full coverage averaging $135 per month.
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