Buying the cheapest insurance for a Toyota Tacoma relies on a very complex rating algorithm that uses multiple factors such as when you were born, whether or not you garage your vehicle, and your choice of deductibles. Drivers in Texas will pay on average $1,021 annually to insure their Tacoma, but that cost is using a 30-year-old married male driver with both comprehensive and collision coverage and $500 deductibles.
But there is a high probability that you are not 30 years old and maybe not even male, you might be single instead of married, or maybe you just want different deductibles. Having different needs demonstrates why the best way to find cheap auto insurance rates for your Toyota is to just compare rates yourself.
Your Toyota’s trim level tends to have a direct impact on the coverage cost, so the cost to insure a Tacoma 2WD trim level will be $62 cheaper than the insurance cost for the fancier Tacoma Double Cab TRD Sport Package 4WD model, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tacoma 2WD | $208 | $400 | $382 | $22 | $114 | $1,126 | $94 |
| Tacoma 4WD | $240 | $328 | $382 | $22 | $114 | $1,086 | $91 |
| Tacoma Double Cab 4WD | $240 | $400 | $382 | $22 | $114 | $1,158 | $97 |
| Tacoma X-Runner 2WD | $240 | $472 | $382 | $22 | $114 | $1,230 | $103 |
| Tacoma Double Cab 4WD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Tacoma Double Cab TRD Off-Road Package 4WD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
| Tacoma Double Cab TRD Sport Package 4WD | $270 | $400 | $382 | $22 | $114 | $1,188 | $99 |
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Premium data assumes married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Prices do not factor in specific location information which can influence coverage prices greatly.
Finding reliable, affordable auto insurance is not most people’s favorite thing to do, and figuring out which company has the most affordable insurance rates for a Toyota Tacoma may require even more shopping around. Every car insurance company uses a little different formula to determine premium rates, so first let’s look at the rankings for the insurance companies with the overall cheapest rates in Texas.
It’s important to understand that Texas insurance rates are influenced by many factors which can significantly increase or decrease the price you pay for coverage. That is why Texas drivers need to compare many different companies to get the most budget-friendly auto insurance quotes for a Toyota Tacoma. Insurance prices are calculated by many factors and can change substantially, so the cheapest option two years ago may now be priced much higher than other options.
Best Insurance Companies for Your Tacoma
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | Travelers | $1,010 |
| 2 | USAA | $1,117 |
| 3 | Texas Farm Bureau | $1,235 |
| 4 | Germania Mutual | $1,256 |
| 5 | Esurance | $1,379 |
| 6 | California Casualty | $1,382 |
| 7 | State Farm | $1,450 |
| 8 | Mercury | $1,506 |
| 9 | Safe Auto | $1,549 |
| 10 | Nationwide | $1,585 |
| 11 | Progressive | $1,647 |
| 12 | Allstate | $1,667 |
| 13 | Amica | $1,775 |
| 14 | GEICO | $2,072 |
| 15 | Home State | $2,155 |
| 16 | MetLife | $2,183 |
| 17 | Encompass | $2,255 |
| 18 | Unitrin | $2,310 |
| 19 | 21st Century | $2,469 |
| 20 | Titan | $2,646 |
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Travelers quotes some of the most affordable car insurance rates in Fort Worth at around $1,010 per year. This is $894 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also rank well as some of the cheapest Fort Worth, TX insurance companies.
As depicted above, if you are currently insured with Germania Mutual and switched to Travelers, you could see an annual premium reduction of in the vicinity of $246. Insureds with Esurance might save as much as $369 a year, and California Casualty insureds might reduce prices by as much as $372 a year.
If you want to see how much you could save, click here to get quotes or quote rates from the companies below.
Bear in mind that those policy prices are averaged across all insureds and vehicles and and are not calculated with an exact zip code location for a Toyota Tacoma. So the company that can offer you the best price may not even be in the top 23 companies shown above. That illustrates why you need to compare as many prices as possible using your own driver information and specific vehicle type.
Insurance rates are higher with tickets and accidents
In a perfect world, the ideal way to find the best insurance rates for a Tacoma is to be a cautious driver and avoid accidents and traffic citations. The information below illustrates how violations and at-fault claims can influence car insurance costs for each age group. The information is based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.
In the chart above, the average cost of auto insurance in Fort Worth per year with no accidents and a clean driving record is $1,518. Get one speeding ticket and the average cost increases to $1,749, an increase of $231 each year. Now add one accident along with the one speeding ticket and the 12-month cost of insurance for a Toyota Tacoma goes up to an average of $2,380. That’s an increase of $861, or $72 per month, just for not being more responsible behind the wheel!
Why you should be comparing rates
Fort Worth insurance rates are determined by lots of factors that will increase or decrease the price you have to pay for coverage. Simply improving your credit, having a claim, or getting a DUI may prompt premium changes that can make some companies much cheaper than others. Additionally, insurance companies amend pricing as needed in order to protect their financial rating. Heavier than normal losses can result in higher rates, while a lower level of claims can cause cheaper Tacoma insurance rates.
As an example, the chart below shows the company with the cheapest car insurance in Fort Worth, TX for a 35-year-old female driver with no violations or accidents, and a good credit history. If we look at prices based on her personal profile, Travelers may have the most affordable car insurance rates in Fort Worth at $1,147 each year. This is $757 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance round out the rest of the most affordable Fort Worth, TX auto insurance companies.
In this example, we will give the driver from the first example a claim surcharge, a lower credit score, and a stop sign violation. Since every insurance provider uses a different method for filing rates in each state, analyzing rate quotes may now result in a new list of the cheapest car insurance companies in Fort Worth as shown below.
Mercury now has the lowest car insurance rate in Fort Worth with State Farm, Nationwide, Safe Auto, and Texas Farm Bureau completing the list. This shows why consumers need to take the time to spend some time comparing rates to get cheap car insurance quotes for a Toyota Tacoma.
Rates are determined by many risk factors and can change without notice, so the best price the last time you checked may now be wasting a lot of money.
How to find more affordable insurance for a Toyota Tacoma
It is possible to find better rates, and here are a few money-saving solutions that can help Texas drivers quote more affordable coverage.
- Drive vehicles with five-star safety ratings
- Having at-fault accidents will increase rates
- Buying car and homeowners insurance together can save money
- Higher credit scores can equal lower rates
- Do not pay for full coverage on older vehicles
- Compare rates often to find the best deal
The last suggestion is remarkably valuable, as was affirmed in this piece. Prices charged by auto insurers change frequently, so you should be ready to buy from a different company if a more affordable rate is found. Brand loyalty is not necessarily bad, but it’s not a great idea if that devotion results in you overpaying potentially thousands of dollars a year. It only takes a couple minutes to shop around and find cheaper auto insurance for a Toyota Tacoma in Fort Worth.