Toyota Tacoma Insurance Cost
The Toyota Tacoma is a mid-size truck with an average insurance cost of $1,620/yr. It carries a IIHS Top Safety Pick safety rating and medium theft risk. See how costs break down by year below.
Quote My Tacoma$1,620/yr
Avg. Annual Insurance
IIHS Top Safety Pick
Safety Rating
Medium
Theft Risk
Mid-size Truck
Body Type
Insurance Cost by Year — Toyota Tacoma
About Toyota Tacoma Insurance
The Toyota Tacoma is a popular mid-size truck that averages $1,620/yr in annual insurance premiums. This places it below the national average of approximately $1,770 per year.
With a IIHS Top Safety Pick safety rating, the Tacoma is considered a very safe vehicle by insurers. Strong safety ratings can qualify you for discounts with many carriers. The medium theft risk also has a moderate impact on comprehensive coverage costs.
Insurance costs vary by model year — newer Tacomas (2026-2025) cost about 5-10% more due to higher replacement values, while older models (2020-2021) can be 10-15% cheaper as they depreciate.
Frequently Asked Questions
How much does Toyota Tacoma insurance cost?
The average insurance cost for a Toyota Tacoma is $1,620/yr. Actual rates vary based on your model year, driving record, location, and coverage levels. Newer model years cost 5-10% more while older years can be 5-15% cheaper.
Is the Toyota Tacoma expensive to insure?
Compared to the national average of about $1,770/yr, the Toyota Tacoma at $1,620/yr is below average in insurance cost. As a mid-size truck, it falls within the typical range for its class.
What is the Toyota Tacoma's safety rating?
The Toyota Tacoma has a IIHS Top Safety Pick safety rating. Strong safety ratings can help lower your insurance premiums, as vehicles with better crash protection result in fewer and less severe injury claims.
Is the Toyota Tacoma a theft target?
The Toyota Tacoma has a medium theft risk rating. Moderate theft risk means comprehensive coverage is reasonably priced. Anti-theft devices may still qualify you for discounts.
How can I get cheap Toyota Tacoma insurance?
Compare quotes from multiple carriers (Truvo compares 40+ for free), consider a higher deductible, maintain a clean driving record, bundle auto and home insurance, and ask about discounts for safety features, good student status, or low mileage.
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