The Toyota Tacoma is a midsize pickup truck that first debuted in the U.S. in 1995 and is still going strong today. Full coverage Toyota Tacoma insurance costs $187 per month or $2,241 per year, which is less than the national average cost for trucks. No matter which type of Tacoma you drive, it needs to be protected with the right car insurance.
When it's time to find the best Toyota Tacoma insurance, an independent insurance agent can assist you. These agents know where to get the right Toyota insurance at a great rate. But first, here's a breakdown of how much it costs to insure a Toyota Tacoma by model year and top-rated insurance company in 2026.
Key Takeaways - Toyota Tacoma Car Insurance Cost in 2026
Toyota Tacoma insurance costs an average of $2,241 per year, or approximately $187 per month, for full coverage in 2026.
Toyota Tacoma insurance costs vary widely by location, with good drivers in Wyoming paying an average of only $35 per month for minimum coverage, while those in Louisiana pay $190.
Travelers, Progressive, and Kemper are the cheapest carriers for Toyota Tacoma insurance this year.
Your age, location, credit, trim level, and driving history are all major factors that can influence the cost of Toyota Tacoma insurance.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Toyota Tacoma model.
How Much Does Toyota Tacoma Insurance Cost?
Toyota Tacoma full coverage costs an average of $2,241 per year, or approximately $187 per month. So, how much is insurance for a Toyota Tacoma if you get only minimum coverage? The average cost of minimum Toyota Tacoma insurance per month is $94, or $1,157 annually. To get a better idea of how much your Toyota Tacoma car insurance might cost, use our car insurance calculator.
Average cost by model year
The cost of Toyota Tacoma insurance also varies with your vehicle's age. The table below compares average Toyota Tacoma insurance costs by model year for 2025.
| Model Year | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
|---|---|---|
| 2025 | $120 | $233 |
| 2024 | $126 | $245 |
| 2023 | $97 | $189 |
| 2022 | $92 | $179 |
| 2021 | $85 | $166 |
| 2020 | $81 | $156 |
| 2019 | $93 | $180 |
| 2018 | $95 | $184 |
| 2017 | $93 | $181 |
| 2016 | $89 | $172 |
Insurance cost by trim level
The cost of your car insurance also depends on your vehicle's specific trim level. For example, if you drive the i-FORCE MAX model, Toyota Tacoma TRD Pro insurance costs an average of $170 per month for minimum coverage and $330 per month for full coverage. The table below compares Toyota Tacoma insurance rates by trim level, including Toyota Tacoma i-FORCE MAX insurance rates.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
|---|---|---|
| Regular Cab Short Bed | $71 | $137 |
| Access Cab TRD Pro Pickup 4d 6 Ft | $73 | $142 |
| Access Cab SR Pickup 4d 6 Ft | $77 | $149 |
| Access Cab SR5 Pickup 4d 6 Ft | $81 | $156 |
| Regular Cab Prerunner Short Bed | $83 | $159 |
| Double Cab SR Pickup 4d 5 Ft | $85 | $164 |
| Regular Cab Pickup 2d 6 Ft | $85 | $164 |
| Xtracab SR | $85 | $166 |
| Access Cab Prerunner Pickup 4d 6 Ft | $86 | $167 |
| Access Cab X-Runner Pickup 4d 6 Ft | $87 | $168 |
| Double Cab Pickup 4d 6 Ft | $88 | $170 |
| Double Cab SR5 Pickup 4d 5 Ft | $88 | $171 |
| Access Cab TRD Sport Pickup 4d 6 Ft | $88 | $171 |
| Double Cab SR | $89 | $173 |
| Regular Cab Pickup 2d 6 Ft | $90 | $175 |
| Double Cab SR5 Pickup 4d 6 Ft | $90 | $176 |
| Double Cab TRD Sport Pickup 4d 5 Ft | $91 | $176 |
| Double Cab TRD Off-Road Pickup 4d 5 Ft | $91 | $177 |
| Access Cab SR Pickup 4d 5 Ft | $91 | $177 |
| Double Cab Prerunner Pickup 4d 6 Ft | $91 | $176 |
| Access Cab Pickup 4d 6 Ft | $91 | $177 |
| Access Cab TRD Off-Road Pickup 4d 6 Ft | $92 | $178 |
| Double Cab Prerunner Pickup 4d 5 Ft | $92 | $177 |
| Xtracab Prerunner Pickup | $92 | $177 |
| Double Cab Pickup 4d 5 Ft | $93 | $180 |
| Xtracab Prerunner | $94 | $181 |
| Xtracab Pickup | $94 | $181 |
| Double Cab TRD Sport Pickup 4d 6 Ft | $94 | $183 |
| Double Cab TRD Off-Road Pickup 4d 6 Ft | $96 | $186 |
| Xtracab SR5 | $97 | $188 |
| Regular Cab Prerunner Pickup 2d 6 Ft | $98 | $190 |
| Double Cab Trail Special Edition Pickup 4d 5 Ft | $98 | $190 |
| Double Cab SR5 | $98 | $191 |
| Double Cab Limited Pickup 4d 6 Ft | $101 | $197 |
| Xtracab TRD Prerunner | $102 | $199 |
| Double Cab TRD Sport | $104 | $202 |
| Double Cab TRD Pro Pickup 4d 5 Ft | $104 | $202 |
| Xtracab Pickup 2d 6 Ft | $105 | $203 |
| Xtracab S-Runner | $106 | $203 |
| Double Cab Limited Pickup 4d 5 Ft | $107 | $208 |
| Double Cab Prerunner 4d | $108 | $207 |
| Xtracab Prerunner Pickup 2d 6 Ft | $109 | $210 |
| Double Cab Prerunner Limited 4d | $109 | $210 |
| Double Cab TRD Off-Road | $110 | $214 |
| Xtracab Limited | $112 | $215 |
| Xtracab Limited Pickup | $112 | $216 |
| Double Cab 4WD 4d | $113 | $216 |
| Xtracab S-Runner Pickup | $114 | $219 |
| Double Cab TRD Sport i-FORCE MAX | $121 | $234 |
| Double Cab 4WD Limited 4d | $122 | $235 |
| Double Cab TRD Off-Road i-FORCE MAX | $122 | $238 |
| i-FORCE MAX Double Cab TRD Sport | $123 | $239 |
| i-FORCE MAX Double Cab TRD Off-Road | $124 | $240 |
| Double Cab Prerunner Limited Pickup 4d 5 Ft | $126 | $243 |
| Xtracab Limited Pickup 2d 6 Ft | $133 | $256 |
| Xtracab S-Runner Pickup 2d 6 Ft | $134 | $257 |
| Double Cab Limited | $138 | $268 |
| Double Cab Limited i-FORCE MAX | $146 | $284 |
| i-FORCE MAX Double Cab Limited | $147 | $286 |
| Double Cab Trailhunter i-FORCE MAX | $164 | $320 |
| i-FORCE MAX Double Cab Trailhunter | $166 | $323 |
| i-FORCE MAX Double Cab TRD Pro | $169 | $328 |
| Double Cab TRD Pro i-FORCE MAX | $170 | $330 |
What Coverage Does a Toyota Tacoma Need?
Insurance is designed to protect you and your vehicle from a variety of risks. Whether you cause an accident, are hit by someone else, or are struck by Mother Nature, there's an insurance policy for any potential loss you and your vehicle might face. Some insurance options, such as liability insurance, are mandated by states with required coverage amounts.
Other coverages are optional but should be considered by every driver, such as glass and windshield coverage, custom parts coverage for lifted or modded Tacomas, and gap insurance for financed trucks. If your Tacoma is equipped with the Toyota Safety Sense bundle, you might enjoy lower insurance rates.
State-Mandated Coverages
Consider adding at least the following coverage types for your Toyota Tacoma, which are typically required by law.
Bodily injury liability
If someone is injured in an accident that you cause while driving your Toyota Tacoma, your bodily injury liability coverage can help pay for the damage. This policy can cover legal fees, loss of income, pain and suffering, medical expenses, and funeral costs.
Property damage liability
If you cause an accident while driving your Toyota Tacoma, property damage liability coverage can pay for repairs to the other party's vehicle and property. It may also cover legal defense costs associated with property damage claims.
Coverages Required in Some States
You're also likely to need the following types of Toyota Tacoma insurance in many areas.
Medical payments coverage and personal injury protection
Depending on your state, you can choose between medical payments coverage and personal injury protection (PIP). Many car accidents result in injury, and this type of insurance can help pay the medical bills associated with recovery. PIP coverage can also pay for lost wages while the injured party is out of work recovering.
Uninsured motorist coverage
If you are injured or your vehicle is damaged in an accident caused by a driver who doesn't have insurance, uninsured motorist coverage can cover associated losses up to your policy's limits. Even though liability insurance is required by law in most states, many drivers are still uninsured or underinsured.
Your independent insurance agent can help you understand your options for uninsured and underinsured motorist coverage and whether it's a wise choice to add it to your policy.
Optional Coverages Worth Considering
Even though the following types of car insurance aren't typically mandatory, they can be helpful to include in your policy. A local independent insurance agent can help you determine which types of optional coverage are appropriate for your specific Toyota Tacoma.
Collision
If you are in an accident, collision coverage can pay for damage to your car from a collision with another object, regardless of fault. However, it doesn't make sense to have collision coverage on an older Tacoma that's already paid off. Your independent insurance agent can help you decide if full coverage is the right choice for you.
Comprehensive
Comprehensive coverage can pay for damage to your car due to a non-collision event, such as a flood or theft. It can help pay for losses if your car is stolen or vandalized, or if you hit a large animal such as a deer. If you have a loan or lease on your car, your lender may require comprehensive coverage.
Glass coverage
A broken windshield demands immediate attention, and in some places, you can get a ticket for driving with damaged glass. A glass coverage policy lets you have your Tacoma's broken glass repaired without digging into your savings.
Gap insurance
If you're in an accident that severely damages or totals your Tacoma, gap coverage can cover the difference between the amount still owed on the loan and your vehicle's value if you owe more than the car is worth. Every insurance policy has limits, and your insurance company will only pay up to the vehicle's fair market value. Talk with your independent insurance agent about how gap insurance may protect you if you own a newer Toyota Tacoma.
Custom parts and equipment coverage
This coverage can pay for genuine Toyota parts if your Tacoma needs repairs. Also known as original equipment manufacturer (OEM) coverage, this can help ensure your Tacoma isn't repaired with cheaper aftermarket parts that reduce its value.
Roadside assistance coverage
If your car breaks down on the side of the road, towing and roadside assistance coverage can help pay for professional services to help you. This coverage can pay for the cost of a tow truck, professional jump-starts, and more. Roadside assistance coverage may be especially helpful for drivers who take their Tacomas off-road.
What Affects Your Toyota Tacoma Insurance Rate?
Several factors can affect the cost of your Toyota Tacoma insurance, including how often you drive your vehicle. It's also worth noting that if you drive a hybrid i-FORCE MAX Tacoma, you may have higher insurance rates.
Your annual mileage
Driving more than 10,000 to 15,000 miles each year often leads to higher auto insurance premiums. The more you use your vehicle, the greater the risk of being involved in an accident or getting a traffic violation, such as a speeding ticket.
Your driving record
Toyota Tacoma drivers without traffic violations or at-fault accidents on their driving record enjoy some of the lowest insurance premiums. Car insurance companies love to reward drivers without speeding tickets, DUIs, accidents, and other violations on their records, as they have a much lower chance of filing claims.
You can ask your insurer about usage-based programs, such as Progressive Snapshot or Allstate Drivewise, that may help reduce your premium for being a safe driver.
Your credit
In many areas, your credit score can affect your car insurance premiums. Car insurance companies associate good credit behavior with good driving behavior. Therefore, the better your credit score, the lower your car insurance premium may be.
The value and trim of your Tacoma
High-value vehicles cost more to insure because repairs or replacements are typically more expensive. If you drive a less expensive Tacoma model, you'll likely enjoy lower car insurance premiums.
The 2026 Tacoma starts at $33,740 MSRP. The i-FORCE MAX trim level may incur a premium surcharge on your auto policy. Minimum coverage for a Toyota Tacoma ranges from $71 per month for a basic model to $170 per month for the Double Cab RD Pro i-FORCE MAX model.
Safety ratings and their impact on premiums
The Insurance Institute for Highway Safety (IIHS) did not award the 2024-2026 Tacoma Crew Cab a Top Safety Pick rating due to its substandard headlight performance. In addition, the National Highway Safety Administration (NHTSA) gave the Tacoma a 4-star overall rating. Toyota Safety Sense comes standard in many Tacoma models, which can help decrease insurance rates.
Your location and state requirements
Your location influences car insurance premium calculations. If you live in a densely populated city, you may have higher premiums than someone who lives in a rural town, due to the increased risk of accidents and car insurance claims. State minimum coverage requirements also vary widely and can influence insurance costs.
Additional factors that affect your Tacoma premium
Many other factors can also affect the cost of your Toyota Tacoma insurance, such as the following:
- Safety features like anti-theft devices
- Your age
- Your gender
- The deductibles you choose
- Your credit rating
- Trim level
- i-FORCE MAX insurance surcharge
An independent insurance agent can help you find the most affordable car insurance near you, including the cheapest Toyota Tacoma insurance for teen drivers.
i-FORCE MAX hybrid: what it means for your insurance
The hybrid powertrain can raise a Tacoma's MSRP and replacement parts cost, which can lead to higher insurance premiums compared to gas-only trims. The TRD Pro i-FORCE MAX can cost up to $330 per month for full coverage. To find more affordable insurance for a hybrid model Tacoma, work with a local independent insurance agent.
Cheapest Insurance Companies for a Toyota Tacoma
Wondering where to find the cheapest car insurance for a Toyota Tacoma this year? Travelers has the cheapest coverage rates, starting at an average of just $83 per month. The table below shows the best car insurance companies for a Toyota Tacoma in 2026.
| Top Car Insurance Companies | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
|---|---|---|
| Travelers | $83 | $154 |
| Progressive | $93 | $173 |
| Kemper | $101 | $206 |
| The Hartford | $104 | $177 |
| Nationwide | $110 | $190 |
| AAA | $110 | $228 |
| Amica | $124 | $253 |
| Allstate | $125 | $241 |
| Chubb | $130 | $259 |
| AIG | $138 | $341 |
| UAIC | $162 | $204 |
Toyota Tacoma Insurance Rates by State
Toyota Tacoma insurance costs vary widely by location. For example, drivers in Louisiana pay an average of $190 per month for minimum coverage, while those in Wyoming pay only $35 per month. The table below compares average Toyota Tacoma insurance costs by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
|---|---|---|
| Alabama | $83 | $156 |
| Alaska | $69 | $147 |
| Arizona | $117 | $219 |
| Arkansas | $79 | $177 |
| California | $93 | $189 |
| Colorado | $92 | $221 |
| Connecticut | $132 | $227 |
| Delaware | $133 | $224 |
| District Of Columbia | $95 | $176 |
| Florida | $124 | $287 |
| Georgia | $141 | $232 |
| Hawaii | $51 | $114 |
| Idaho | $53 | $108 |
| Illinois | $88 | $164 |
| Indiana | $63 | $123 |
| Iowa | $53 | $129 |
| Kansas | $69 | $161 |
| Kentucky | $118 | $200 |
| Louisiana | $190 | $406 |
| Maine | $50 | $104 |
| Maryland | $147 | $248 |
| Massachusetts | $97 | $205 |
| Michigan | $149 | $287 |
| Minnesota | $80 | $166 |
| Mississippi | $85 | $168 |
| Missouri | $113 | $227 |
| Montana | $69 | $164 |
| Nebraska | $70 | $158 |
| Nevada | $169 | $305 |
| New Hampshire | $67 | $119 |
| New Jersey | $155 | $256 |
| New Mexico | $79 | $177 |
| New York | $118 | $213 |
| North Carolina | $79 | $156 |
| North Dakota | $58 | $126 |
| Ohio | $73 | $142 |
| Oklahoma | $89 | $198 |
| Oregon | $115 | $200 |
| Pennsylvania | $82 | $192 |
| Rhode Island | $119 | $212 |
| South Carolina | $96 | $180 |
| South Dakota | $53 | $160 |
| Tennessee | $75 | $151 |
| Texas | $120 | $245 |
| Utah | $104 | $178 |
| Vermont | $44 | $106 |
| Virginia | $91 | $147 |
| Washington | $88 | $163 |
| West Virginia | $82 | $167 |
| Wisconsin | $62 | $138 |
| Wyoming | $35 | $110 |
Most and least affordable states for Toyota Tacoma insurance
The tables below compare the most expensive and least expensive states for Toyota Tacoma insurance this year.
| Rank | State | Average Monthly Cost |
|---|---|---|
| 1 | Louisiana | $190 |
| 2 | Nevada | $169 |
| 3 | New Jersey | $155 |
| 4 | Michigan | $149 |
| 5 | Maryland | $147 |
| 6 | Georgia | $141 |
| 7 | Delaware | $133 |
| 8 | Connecticut | $132 |
| 9 | Florida | $124 |
| 10 | Texas | $120 |
| Rank | State | Average Monthly Cost |
|---|---|---|
| 1 | Wyoming | $35 |
| 2 | Vermont | $44 |
| 3 | Maine | $50 |
| 4 | Hawaii | $51 |
| 5 | Idaho | $53 |
| 5 | Iowa | $53 |
| 5 | South Dakota | $53 |
| 8 | North Dakota | $58 |
| 9 | Wisconsin | $62 |
| 10 | Indiana | $63 |
How to Save on Toyota Tacoma Car Insurance
Wondering how to reduce your Tacoma insurance premiums as much as possible? Many car insurance companies offer several discounts that can significantly reduce your overall coverage costs. You can ask your independent insurance agent about these common car insurance discounts and savings options. However, you can also start by trying any of the following easy strategies:
- Shop annually: Working with an independent insurance agent to compare quotes from multiple carriers each year before your policy renews is a great way to get the best rate.
- Bundle home and auto coverage: Buying more than one type of coverage, such as home insurance and auto insurance, through the same carrier can help you save on each.
- Choose a lower trim: Opting for a base model or a lower trim level can help you save substantially on your vehicle and auto insurance costs.
- Choose RWD over 4WD: In areas where 4WD isn't necessary, choosing a RWD Tacoma can help you save money on your car insurance.
- Raise your deductible: Raising your deductible can help you earn lower premium rates, but you'll have to pay more out of pocket before getting reimbursed for a claim.
- Ask about usage-based (telematics) discounts: Many car insurance companies offer telematics programs that track your annual mileage or driving behavior and reward you with savings for low vehicle usage and good habits on the road.
A local independent insurance agent can help you apply all the car insurance discounts and other savings opportunities you qualify for.
Toyota Tacoma vs. Other Midsize Trucks: Insurance Comparison
The Toyota Tacoma ranks 27th out of 40 trucks compared for affordability. The Tacoma's average monthly rate of $142 is only slightly higher than that of the Mitsubishi Raider and the GMC Sierra 3500. The table below compares the average cost of Toyota Tacoma insurance with that of other trucks in its class.
| Vehicle | Average Monthly Cost of Car Insurance | Affordability Ranking |
|---|---|---|
| GMC Sierra 3500 | $131 | 24 |
| Mitsubishi Raider | $135 | 25 |
| Toyota Tundra | $139 | 26 |
| Toyota Tacoma | $142 | 27 |
| Isuzu I-Series | $144 | 28 |
| Cadillac Escalade EXT | $146 | 29 |
| Hyundai Santa Cruz | $149 | 30 |
An independent insurance agent can help you compare rates for even more vehicles, including Toyota Tacoma vs. Ford Ranger insurance costs.
FAQs About Toyota Tacoma Insurance
How much is insurance on a Toyota Tacoma per month?
The average cost of Toyota Tacoma insurance is $94 per month for liability-only minimum coverage, or $187 per month for full coverage. Insurance costs vary by trim, model year, location, and driver profile.
Is the Toyota Tacoma expensive to insure?
No, the Tacoma ranks 27th of 40 pickup trucks compared for affordability. Its average annual rates are below the national average for trucks.
Which insurance company is the cheapest for a Toyota Tacoma?
Travelers is the cheapest insurance company for a Toyota Tacoma this year, with rates starting at just $83 per month for minimum coverage.
Does the Toyota Tacoma TRD Pro cost more to insure?
Yes. The TRD Pro, especially the i-FORCE MAX variant, costs up to an average of $330 per month for full coverage vs. the average of $184 per month for the base SR model. Higher MSRP and parts costs lead to higher insurance costs for various trims.
What is a good rate for Toyota Tacoma insurance?
For a 40-year-old driver with a clean record, a range of $150-$200 per month for full coverage is competitive. It's recommended to shop at least three carriers to compare quotes.
Does the Toyota Tacoma iForce Max cost more to insure?
Yes, the i-FORCE MAX hybrid variant adds to the MSRP and increases repair costs, raising premiums compared to gas-only trims of the same model.
How does my state affect my Toyota Tacoma insurance rate?
Significantly. Louisiana and Nevada pay the highest rates, while Wyoming and Vermont pay the lowest. State minimum coverage requirements, theft rates, weather, and traffic density all factor into car insurance costs.
Do safety features on the Tacoma lower insurance costs?
Toyota Safety Sense comes standard and qualifies the Tacoma for discounts with many carriers. However, the specialized windshield required for TSS calibration makes glass claims more expensive.
An Independent Insurance Agent Can Help You Get a Toyota Tacoma Car Insurance Quote
When it's time to find the most affordable Toyota Tacoma insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Tacoma insurance coverage and cost.
An independent insurance agent can shop and compare several quotes from dozens of insurance companies simultaneously, including Progressive, Nationwide, USAA, and Travelers, to find the cheapest coverage near you. And down the road, your agent will still be there to help you file car insurance claims if the time comes.
Related Links:
Sources
https://www.moneygeek.com/insurance/auto/toyota-tacoma-insurance/
https://www.iihs.org/ratings/vehicle/toyota/tacoma-crew-cab-pickup/2026
https://insuraviz.com/vehicles/toyota/toyota-tacoma-insurance/
https://www.compare.com/auto-insurance/vehicles/toyota/tacoma