Are you considering insuring your Toyota Tacoma in 2025 and wondering how much it might cost? You’re in the right place. Car insurance rates for the Toyota Tacoma can vary widely based on factors such as your location, driving history, and vehicle model year.
On average, insuring a 2023 Toyota Tacoma costs around $2,190 annually, but the rates can vary significantly compared to older models. For instance, a 2021 Tacoma might cost slightly less, around $2,047 per year, while insuring a 2018 model could be even more budget-friendly at $1,883 annually.
In this guide, we’ll break down these costs and provide tips on getting the best insurance rates for your Toyota Tacoma.
What is the cost to insure your Toyota Tacoma in 2025?
On average, insuring a Toyota Tacoma costs $195 per month – or $2,345 annually – for a full coverage policy. However, your actual cost may differ depending on factors such as your age, where you live, your driving history and the insurance company you choose.
Younger drivers or those with a history of accidents may pay higher insurance rates, while older drivers with a clean driving record may pay less for the same coverage. Insurance rates can also change based on the state or even the ZIP code where you park your car.
Use the tool below to find out how much insurance might cost for your car in your area.
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
Generally, newer models have higher insurance rates due to their higher market value and repair costs. For instance, insuring a 2023 Toyota Tacoma will likely be more expensive than insuring a 2019 model. However, older models might not have the latest safety features, which can also influence rates.
Below is a breakdown of the average annual insurance premiums for different model years of the Toyota Tacoma, offering insight into how a vehicle’s age impacts its insurance rates.
| 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 |
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Toyota Tacoma car insurance rates for different trims
The trim level can significantly affect insurance premiums when insuring a Toyota Tacoma. Each trim has different features, safety equipment and price points, all of which can affect the cost of insurance.
For instance, higher-end trims, such as the Tacoma Limited, equipped with advanced technologies, usually have higher insurance rates due to increased repair and replacement costs.
The table below shows the average annual insurance premiums for various 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
Drivers under 25 often see higher insurance rates due to their inexperience and higher risk of car accidents. As individuals age and get more experience behind the wheel, their rates usually drop. However, for older drivers, insurance costs can increase again due to age-related risks.
In 2022, the National Highway Traffic Safety Administration (NHTSA) reported that 2,034 drivers aged 15 to 20 died in traffic crashes.
The table below shows the average annual insurance rates by age group.
| 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.” September 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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