If you’re wondering how much it will cost to insure your Toyota Tacoma in 2025, you’re in the right place. Insurance rates for the Toyota Tacoma vary based on your location, driving record and model year.
The average annual cost to insure a 2023 Toyota Tacoma is $2,190. However, this rate can vary depending on the model year. For example, a 2021 Tacoma might cost around $2,047 annually, while a 2018 model could be more affordable at $1,883 per year.
This guide will break down the costs and provide helpful tips for getting the best insurance rates for your Toyota Tacoma.
What is the cost to insure your Toyota Tacoma in 2025?
The average cost to insure a Toyota Tacoma is $195 per month, or $2,345 per year for a full coverage policy. However, your actual rate may differ depending on factors like your age, where you live, the level of coverage you choose, your driving history and the insurance company.
Your rates may be higher if you’re a young driver or have a history of accidents. On the other hand, experienced drivers with a clean driving record might pay lower premiums for the same policy. Other factors, such as your state and ZIP code, also influence premiums. Insurance costs also vary by state and ZIP code.
Use the tool below to know car insurance costs based on your state and the car’s make and model.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Toyota Tacoma
Progressive offers the lowest car insurance rates for your Toyota Tacoma, with an average cost of $1,896 per year or $158 each month, based on CarInsurance.com’s study.
Below is a list of insurance companies that offer affordable rates for your Toyota Tacoma.
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Progressive | $1,896 | $948 | $158 |
| State Farm | $1,900 | $950 | $158 |
| Geico | $1,918 | $959 | $160 |
| Nationwide | $2,133 | $1,067 | $178 |
| Farmers | $2,928 | $1,464 | $244 |
| Allstate | $3,288 | $1,644 | $274 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Toyota Tacoma car insurance rates by model year
Newer cars have higher insurance premiums due to higher market value and pricier repair expenses. For example, the insurance cost for a 2023 Toyota Tacoma will typically be more expensive than that of a 2019 model. However, older vehicles may lack advanced safety technologies, affecting insurance rates.
Below is a comparison of average annual insurance costs for different model years of the Toyota Tacoma. This data can give you a clear idea of how insurance premiums change with the vehicle’s age.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,598 | $799 | $133 |
| 2015 | $1,678 | $839 | $140 |
| 2016 | $1,789 | $895 | $149 |
| 2017 | $1,845 | $922 | $154 |
| 2018 | $1,883 | $942 | $157 |
| 2019 | $1,983 | $991 | $165 |
| 2020 | $2,024 | $1,012 | $169 |
| 2021 | $2,047 | $1,023 | $171 |
| 2022 | $2,128 | $1,064 | $177 |
| 2023 | $2,190 | $1,095 | $183 |
Toyota Tacoma car insurance rates for different trims
A Toyota Tacoma’s trim level can significantly affect insurance costs. Trims vary in features, safety equipment and overall cost, contributing to different insurance premiums.
For instance, higher-end trims like the Tacoma Limited, which include advanced technology and luxury features, may have higher insurance premiums than the base model due to the increased replacement and repair costs.
Below is a comparison of average annual insurance costs for different trims of the Toyota Tacoma.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Tacoma TRD PreRunner | $2,287 | $1,144 | $191 |
| Tacoma SR | $2,295 | $1,147 | $191 |
| Tacoma TRD Sport | $2,309 | $1,155 | $192 |
| Tacoma TRD Off-Road | $2,313 | $1,156 | $193 |
| Tacoma SR5 | $2,401 | $1,201 | $200 |
| Tacoma Limited | $2,452 | $1,226 | $204 |
Toyota Tacoma insurance rates: State-by-state breakdown
Insurance costs for a Toyota Tacoma vary widely between states. State laws, average repair expenses and the likelihood of car theft or accidents are all key factors that affect these rates.
Below, you’ll find car insurance rates for the Toyota Tacoma in different states.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,176 | $1,088 | $181 |
| Alabama | $2,228 | $1,114 | $186 |
| Arkansas | $2,452 | $1,226 | $204 |
| Arizona | $2,278 | $1,139 | $190 |
| California | $3,112 | $1,556 | $259 |
| Colorado | $3,151 | $1,575 | $263 |
| Connecticut | $2,526 | $1,263 | $211 |
| Washington, D.C. | $2,780 | $1,390 | $232 |
| Delaware | $2,400 | $1,200 | $200 |
| Florida | $2,881 | $1,440 | $240 |
| Georgia | $3,122 | $1,561 | $260 |
| Hawaii | $1,496 | $748 | $125 |
| Iowa | $2,030 | $1,015 | $169 |
| Idaho | $1,534 | $767 | $128 |
| Illinois | $2,318 | $1,159 | $193 |
| Indiana | $2,068 | $1,034 | $172 |
| Kansas | $2,476 | $1,238 | $206 |
| Kentucky | $2,887 | $1,443 | $241 |
| Louisiana | $3,673 | $1,836 | $306 |
| Massachusetts | $2,093 | $1,046 | $174 |
| Maryland | $2,274 | $1,137 | $189 |
| Maine | $1,667 | $833 | $139 |
| Michigan | $2,981 | $1,491 | $248 |
| Minnesota | $2,549 | $1,274 | $212 |
| Missouri | $2,977 | $1,489 | $248 |
| Mississippi | $2,163 | $1,081 | $180 |
| Montana | $2,393 | $1,197 | $199 |
| North Carolina | $2,094 | $1,047 | $175 |
| North Dakota | $1,967 | $983 | $164 |
| Nebraska | $2,585 | $1,292 | $215 |
| New Hampshire | $1,744 | $872 | $145 |
| New Jersey | $2,256 | $1,128 | $188 |
| New Mexico | $2,395 | $1,197 | $200 |
| Nevada | $2,212 | $1,106 | $184 |
| New York | $1,733 | $867 | $144 |
| Ohio | $1,608 | $804 | $134 |
| Oklahoma | $2,484 | $1,242 | $207 |
| Oregon | $2,193 | $1,096 | $183 |
| Pennsylvania | $2,456 | $1,228 | $205 |
| Rhode Island | $2,814 | $1,407 | $234 |
| South Carolina | $2,169 | $1,085 | $181 |
| South Dakota | $2,715 | $1,358 | $226 |
| Tennessee | $2,274 | $1,137 | $189 |
| Texas | $3,672 | $1,836 | $306 |
| Utah | $1,931 | $965 | $161 |
| Virginia | $1,685 | $843 | $140 |
| Vermont | $1,495 | $747 | $125 |
| Washington | $2,201 | $1,101 | $183 |
| Wisconsin | $1,780 | $890 | $148 |
| West Virginia | $2,326 | $1,163 | $194 |
| Wyoming | $2,620 | $1,310 | $218 |
How your age impacts Toyota Tacoma insurance rates
Young drivers, particularly those younger than 25, face higher insurance premiums due to their lack of experience and the increased likelihood of accidents. As drivers age and gain more experience, their rates typically decrease. However, for senior drivers, premiums can rise again due to age-related factors.
According to the National Highway Traffic Safety Administration’s (NHTSA) Young Drivers Traffic Safety Facts, 2,034 drivers aged 15 to 20 died in traffic crashes in 2022.
The table below shows the average annual insurance rates for different age groups.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $8,626 | $4,313 | $719 |
| Adults | $2,345 | $1,173 | $195 |
The bottom line
Knowing how much it costs to insure a Toyota Tacoma is important for managing your budget. Insurance rates can change based on the car’s model year, trim, age and location.
By taking proactive steps like maintaining a clean driving record, taking advantage of discounts and regularly reviewing your insurance needs, you can balance adequate coverage and affordability.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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