Finding economical insurance for a Toyota Tacoma relies on a whole bunch of factors such as miles driven annually, your claims history, and the deductible amount you use. Washington drivers pay around $981 each year to insure their Tacoma, but that amount is an estimation calculated using a 30-year-old married male driver with full comprehensive and collision coverage and $100 deductibles.
Most likely you aren’t exactly 30 years old or even a male, maybe you are single instead of married, or maybe you have a teen driver on your policy that needs to be considered. Everyone has unique insurance needs, and this illustrates why the only real way to find the cheapest coverage for your Toyota is to do your own rate comparisons.
Your vehicle’s trim level will likely have an effect on the cost of coverage, so the price you pay to insure a Tacoma 2WD trim level will be $64 cheaper than the cost to insure the more costly Tacoma Double Cab TRD Sport Package 4WD version, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tacoma Double Cab 4WD||$254||$458||$294||$18||$88||$1,112||$93|
|Tacoma X-Runner 2WD||$254||$540||$294||$18||$88||$1,194||$100|
|Tacoma Double Cab 4WD||$286||$458||$294||$18||$88||$1,144||$95|
|Tacoma Double Cab TRD Off-Road Package 4WD||$286||$458||$294||$18||$88||$1,144||$95|
|Tacoma Double Cab TRD Sport Package 4WD||$286||$458||$294||$18||$88||$1,144||$95|
|Get Your Own Custom Quote Go|
Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Washington minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, multi-policy, and claim-free. Rate information does not factor in specific zip code location which can change price quotes substantially.
Best insurance in Seattle
Insuring your vehicle with the right auto insurance company can be challenging considering how many different companies insure vehicles in Washington. The company rank data below may help you choose which coverage providers you want to consider when comparing insurance rates for a Toyota Tacoma. The rankings below only include the largest companies in America, so smaller regional companies are not included in this list.
Top 10 Large Auto Insurers in Seattle Ranked by Customer Service
- State Farm
- The Hartford
- The General
- AAA Insurance
- American Family
- Liberty Mutual
How to get discounts on Seattle auto insurance
Insurance companies that sell policies for a Toyota Tacoma could also offer special discounts that could lower prices by as much as 25% or more if you can meet the requirements. Popular insurance companies and some of the premium reductions they offer include:
- AAA offers discounts including multi-car, multi-policy, good student, anti-theft, and education and occupation.
- Progressive discounts include multi-vehicle, online signing, homeowner, good student, multi-policy, and online quote discount.
- State Farm offers discounts for Steer Clear safe driver discount, accident-free, multiple policy, anti-theft, good student, and good driver.
- Esurance may offer discounts for online shopper, paid-in-full, good student, emergency road assistance, and DriveSense.
- Nationwide policyholders can earn discounts including good student, business or organization, anti-theft, defensive driving, and family plan.
The illustration below illustrates the comparison of insurance prices with and without discounts applied to the rates. The premiums assume a female driver, a clean driving record, no at-fault accidents, Washington state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The lower bar shows the rates with anti-theft, vehicle safety, multiple vehicle, homeowner, passive restraint, and claim-free discounts applied. When discounts are factored in, theamount saved on insurance for a Toyota Tacoma is 28% or $395.
The information below illustrates how your choice of deductibles can influence insurance premiums when searching for cheap insurance for a Toyota Tacoma. The data assumes a married female driver, full coverage, and no other discounts are factored in.
As shown above, a 30-year-old driver could lower their car insurance rates by $288 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $438 by selecting a $1,000 deductible. Young drivers, such as the 20-year-old chart data, could lower their rates $620 or more just by using higher deductibles.
If you do raise deductibles, it will be required to have emergency funds available to enable you to pay the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
Impact of citations and accidents on insurance rates
A great way to enjoy the most affordable insurance premiums for a Tacoma is to drive attentively and have a clean driving record. The example below shows how traffic citations and at-fault collisions can increase car insurance rates for each different age group. The premiums are based on a single female driver, comp and collision included, $500 deductibles, and no discounts are applied to the premium.
In the example above, the average cost of auto insurance per year with no accidents and a clean driving record is $1,569. Get two speeding tickets and the average cost rises to $2,098, an increase of $529 each year. Now throw in one accident along with the two speeding tickets and the yearly cost of insurance for a Toyota Tacoma increases to an average of $2,632. That’s an increase of $1,062, or $89 per month, just for not being a responsible driver!