Toyota Tacoma Insurance Cost

Full coverage for a Toyota Tacoma costs about $1,375 a year ($114/month) by our estimate — ▼ −14% versus the average vehicle, ranking 41st cheapest of 310 current models.

Toyota Tacoma exterior (photo from Wikimedia Commons) — Photo: Alexander-93, CC BY-SA 4.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Toyota Tacoma insurance cost at a glance

Full coverage

$1,375

$114/mo · $1,125–$1,620

Minimum liability

$535

$45/mo

Segment

Pickup truck

Gasoline, Hybrid

HLDI collision losses

Better than average (100 = avg)

NHTSA overall

★★★★☆

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2026 model year. Our vehicle data covers the 2005–2026 model years of the Toyota Tacoma.

Estimated Toyota Tacoma premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$535	$45	$440–$635
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$780	$65	$640–$920
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,375	$114	$1,125–$1,620

What drives the cost of insuring a Toyota Tacoma

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Toyota Tacoma's results put our vehicle factor at 0.87× for liability, 0.89× for collision and 0.89× for comprehensive.

HLDI relative insurance losses — Toyota Tacoma double cab pickup 4WD (Small Pickups)
Coverage	Index	Rating	What it measures
Collision	87	Better than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	86	Better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	73	Much better than average	Damage this car does to other vehicles and property
Bodily injury liability	85	Better than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	76	Much better than average	Injuries to occupants of this car (claim frequency)
Medical payments	80	Much better than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (3)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Toyota Tacoma double cab pickup 4WD	87	86	73	85
Toyota Tacoma double cab pickup	87	76	92	—
Toyota Tacoma hybrid double cab pickup 4WD	99	—	—	—

Repair and parts costs: Pickup truck — mainstream parts availability keeps repairs moderate.
Safety: 4-star NHTSA overall rating (frontal 3★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 7 NHTSA recall campaigns and 253 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Toyota Tacoma trims and configurations (2026)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Tacoma 2WD	RWD	2.4L 4-cyl Turbo	23
Tacoma 4WD	4WD	2.4L 4-cyl Turbo	21
Tacoma 4WD MT	4WD	2.4L 4-cyl Turbo	20
Tacoma Hybrid 4WD	4WD	2.4L 4-cyl Turbo Hybrid	23
Tacoma Hybrid 4WD	4WD	2.4L 4-cyl Turbo Hybrid	23
Tacoma SR5/Sport/Off-Road/Limited 4WD	4WD	2.4L 4-cyl Turbo	21
Tacoma SR5/Sport/PreRunner 2WD	RWD	2.4L 4-cyl Turbo	23

Toyota Tacoma insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2026	2.4L 4-cyl Turbo, 2.4L 4-cyl Turbo Hybrid	4WD, RWD	20–23	$1,375
2025	2.4L 4-cyl Turbo, 2.4L 4-cyl Turbo Hybrid	4WD, RWD	20–23	$1,345
2024	2.4L 4-cyl Turbo, 2.4L 4-cyl Turbo Hybrid	4WD, RWD	20–24	$1,315
2023	2.7L 4-cyl, 3.5L 6-cyl	4WD, RWD	18–21	$1,290
2022	2.7L 4-cyl, 3.5L 6-cyl	4WD, RWD	18–21	$1,260
2021	2.7L 4-cyl, 3.5L 6-cyl	4WD, RWD	18–21	$1,235
2020	2.7L 4-cyl, 3.5L 6-cyl	4WD, RWD	18–21	$1,205
2019	2.7L 4-cyl, 3.5L 6-cyl	4WD, RWD	18–21	$1,175
2018	2.7L 4-cyl, 3.5L 6-cyl	4WD, RWD	18–21	$1,150
2017	2.7L 4-cyl, 3.5L 6-cyl	4WD, RWD	18–21	$1,120
2016	2.7L 4-cyl, 3.5L 6-cyl	4WD, RWD	18–21	$1,090
2015	2.7L 4-cyl, 4.0L 6-cyl	4WD, RWD	17–22	$1,090
2014	2.7L 4-cyl, 4.0L 6-cyl	4WD, RWD	17–22	$1,090
2013	2.7L 4-cyl, 4.0L 6-cyl	4WD, RWD	17–23	$1,090
2012	2.7L 4-cyl, 4.0L 6-cyl	4WD, RWD	17–22	$1,090
2011	2.7L 4-cyl, 4.0L 6-cyl	4WD, RWD	16–22	$1,090
2010	2.7L 4-cyl, 4.0L 6-cyl	4WD, RWD	15–22	$1,090
2009	2.7L 4-cyl, 4.0L 6-cyl	4WD/AWD, RWD	16–22	$1,090
2008	2.7L 4-cyl, 4.0L 6-cyl	4WD/AWD, RWD	16–22	$1,090
2007	2.7L 4-cyl, 4.0L 6-cyl	4WD/AWD, RWD	16–22	$1,090

Toyota Tacoma insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Tacoma page for that state.

State	Full coverage	Minimum	vs. national	Tacoma page
Alabama	$1,195	$420	−13%	Tacoma in AL
Alaska	$1,200	$545	−13%	Tacoma in AK
Arizona	$1,440	$575	+5%	Tacoma in AZ
Arkansas	$1,210	$390	−12%	Tacoma in AR
California	$1,340	$500	−3%	Tacoma in CA
Colorado	$1,565	$570	+14%	Tacoma in CO
Connecticut	$1,455	$620	+6%	Tacoma in CT
Delaware	$1,530	$700	+11%	Tacoma in DE
District of Columbia	$1,725	$650	+25%	Tacoma in DC
Florida	$1,960	$945	+43%	Tacoma in FL
Georgia	$1,700	$760	+24%	Tacoma in GA
Hawaii	$940	$380	−32%	Tacoma in HI
Idaho	$930	$350	−32%	Tacoma in ID
Illinois	$1,190	$435	−13%	Tacoma in IL
Indiana	$975	$355	−29%	Tacoma in IN
Iowa	$935	$270	−32%	Tacoma in IA
Kansas	$1,100	$350	−20%	Tacoma in KS
Kentucky	$1,155	$460	−16%	Tacoma in KY
Louisiana	$1,900	$690	+38%	Tacoma in LA
Maine	$875	$370	−36%	Tacoma in ME
Maryland	$1,540	$660	+12%	Tacoma in MD
Massachusetts	$1,345	$515	−2%	Tacoma in MA
Michigan	$1,490	$670	+8%	Tacoma in MI
Minnesota	$1,150	$410	−16%	Tacoma in MN
Mississippi	$1,315	$465	−4%	Tacoma in MS
Missouri	$1,250	$445	−9%	Tacoma in MO
Montana	$1,100	$345	−20%	Tacoma in MT
Nebraska	$1,105	$350	−20%	Tacoma in NE
Nevada	$1,575	$755	+15%	Tacoma in NV
New Hampshire	$975	$350	−29%	Tacoma in NH
New Jersey	$1,650	$820	+20%	Tacoma in NJ
New Mexico	$1,235	$455	−10%	Tacoma in NM
New York	$1,840	$815	+34%	Tacoma in NY
North Carolina	$1,025	$390	−25%	Tacoma in NC
North Dakota	$885	$240	−36%	Tacoma in ND
Ohio	$980	$355	−29%	Tacoma in OH
Oklahoma	$1,240	$410	−10%	Tacoma in OK
Oregon	$1,230	$545	−11%	Tacoma in OR
Pennsylvania	$1,195	$370	−13%	Tacoma in PA
Rhode Island	$1,655	$715	+20%	Tacoma in RI
South Carolina	$1,470	$640	+7%	Tacoma in SC
South Dakota	$1,060	$275	−23%	Tacoma in SD
Tennessee	$1,140	$395	−17%	Tacoma in TN
Texas	$1,630	$605	+19%	Tacoma in TX
Utah	$1,245	$570	−9%	Tacoma in UT
Vermont	$890	$280	−35%	Tacoma in VT
Virginia	$1,180	$550	−14%	Tacoma in VA
Washington	$1,195	$515	−13%	Tacoma in WA
West Virginia	$1,150	$380	−16%	Tacoma in WV
Wisconsin	$940	$325	−32%	Tacoma in WI
Wyoming	$1,080	$285	−21%	Tacoma in WY

Toyota Tacoma insurance by driver profile

Estimated annual Toyota Tacoma premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,475	$2,140	$3,775	$315
Young adult (22)	$860	$1,245	$2,195	$183
Adult in their 30s	$535	$780	$1,375	$115
Adult in their 50s	$495	$715	$1,265	$105
Senior (72)	$600	$870	$1,535	$128
30s, one at-fault accident	$780	$1,130	$1,990	$166
30s, DUI on record	$995	$1,440	$2,540	$212

Toyota Tacoma vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Toyota Tacoma	$1,375	87	86	—
Ford F-150	$1,580	92	84	Compare
Tesla Cybertruck	$1,600	—	—	Compare
Nissan Frontier	$1,480	92	77	Compare

Estimate Toyota Tacoma insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Toyota models

bZ $1,545/yr
C-HR $1,480/yr
Corolla $1,705/yr
GR86 $2,095/yr
Land Cruiser $1,290/yr
Prius $1,595/yr
4Runner $1,295/yr
Camry $1,735/yr
Corolla Cross $1,430/yr
Crown $1,670/yr
Crown Signia $1,505/yr
GR Supra $1,920/yr
Grand Highlander $1,305/yr
Highlander $1,410/yr
Mirai $2,450/yr
RAV4 $1,285/yr
Sequoia $1,515/yr
Sienna $1,590/yr
Tundra $1,515/yr
bZ4X $1,420/yr
Venza $1,455/yr
Avalon $1,440/yr
Prius c $1,365/yr
Yaris $1,340/yr
Prius v $1,225/yr
FJ Cruiser $1,165/yr
Matrix $1,245/yr
Camry Solara $1,245/yr
Celica $1,445/yr
Echo $1,245/yr

All Toyota insurance costs →

Frequently asked questions

How much is insurance for a Toyota Tacoma?

We estimate about $1,375 a year ($114 a month) for full coverage and $535 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 14% less than the average vehicle.

Is the Toyota Tacoma expensive to insure?

HLDI insurance-loss data rates it at 87 for collision and 86 for comprehensive losses (100 = average of all vehicles), meaning collision losses are better than average.

Which state is cheapest to insure a Toyota Tacoma?

Maine has the lowest estimate (about $875 a year for full coverage) and Florida the highest (about $1,960).

What is the Toyota Tacoma's NHTSA safety rating?

The 2026 Toyota Tacoma earned 4 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Toyota Tacoma cheaper to insure than the Ford F-150?

By our estimate the Toyota Tacoma costs about $1,375 a year versus $1,610 for the Ford F-150, making it the cheaper of the two to insure.

How much is Toyota Tacoma insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $3,775 a year at national-average rates by our estimate.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page