Buying the best cheap car insurance for a Toyota Tacoma in California is pretty easy for most people, but it hinges on many factors such as the age of the Tacoma, your credit status, and any past driving violations you may have had. Drivers pay approximately $1,033 a year for Tacoma insurance, but that cost is a valuation based upon a 30-year-old married male driver with both comprehensive and collision coverage and $1,000 deductibles.
If we were betting, you are not 30 years old and maybe not even male, you might be single instead of married, and you don’t want the same coverages and limits as the example. Even a minor difference in rating factors or requested coverage amount can make a large difference in the cost of insurance for a Toyota Tacoma.
Everyone has unique insurance needs, and this illustrates why the only real way to find the most affordable coverage for your Toyota is to just take the time to compare rates yourself. Get your free quotes now and you will receive prices from some of the best companies that offer coverage in California.
Compare Toyota Tacoma Insurance Rates
The trim level of your Tacoma will have an impact the coverage cost, so the price you will pay to insure a Tacoma 2WD trim level will be $54 cheaper than the insurance cost for the more well-appointed Tacoma Double Cab TRD Sport Package 4WD trim level, as shown below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tacoma 2WD | $184 | $362 | $442 | $26 | $132 | $1,146 | $96 |
| Tacoma 4WD | $210 | $298 | $442 | $26 | $132 | $1,108 | $92 |
| Tacoma Double Cab 4WD | $210 | $362 | $442 | $26 | $132 | $1,172 | $98 |
| Tacoma X-Runner 2WD | $210 | $426 | $442 | $26 | $132 | $1,236 | $103 |
| Tacoma Double Cab 4WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Tacoma Double Cab TRD Off-Road Package 4WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
| Tacoma Double Cab TRD Sport Package 4WD | $238 | $362 | $442 | $26 | $132 | $1,200 | $100 |
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Table data represents married male driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Table data does not factor in the specific area where the vehicle is garaged which can lower or raise premiums significantly.
Determining which companies quote the most affordable insurance rates for a Toyota Tacoma will require a little more sweat in order to find coverage that fits your budget.
Each insurer has a unique formula for determining rates, so to begin we’ll rank the most affordable insurance companies in California. We do need to point out that San Francisco, CA insurance rates are determined by lots of factors that control the price of your policy. Getting older, increasing deductibles, or getting caught speeding may prompt premium changes that may make certain companies cheaper than competitors.
Cheapest Insurance Rates for Your Tacoma
USAA generally has some of the best car insurance rates in San Francisco at around $1,109 per year. This is $542 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also qualify as some of the most economical San Francisco, CA auto insurance companies.
As shown in the rates above, if you buy coverage from CSAA and switched to USAA, you could earn yearly savings of in the neighborhood of $89. Drivers with Century National might save as much as $117 a year, and Nationwide policyholders might reduce prices by as much as $141 a year.
Remember that these rates are averages for all insureds and vehicles and and are not calculated with an exact vehicle garaging location for a Toyota Tacoma. So the auto insurance company that fits you best may not even be in the list above. That affirms the importance of why you need to get rate quotes from many companies using your own personal information and vehicle type.
Should you buy full coverage?
Paying a lower price for insurance is important to most drivers, and one great way to buy cheap insurance for a Toyota Tacoma is to not insure for full coverage. The information below illustrates the comparison of yearly insurance costs when comparing full coverage to liability only. Data assumes no accidents or driving violations, $250 deductibles, drivers are single, and no discounts are applied.
As an average for all age groups, physical damage insurance costs an extra $2,798 per year more than just insuring for liability. Many of you may wonder if buying full coverage is worth the expense. There is no exact rule of when to exclude physical damage coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than about 10% of the replacement cost minus the deductible, then you might want to consider buying only liability coverage.
The benefit of shopping around
San Francisco insurance rates are impacted by many things that can increase the policy premium. Simply having a birthday, filing a claim, or getting a ticket for careless driving can trigger changes in premium that may make certain companies cheaper than competitors.
In addition to those changes, auto insurance companies amend pricing as often as every quarter to help ensure profitability. Higher than normal claim frequency or severity may cause more expensive premiums, while better underwriting can produce more affordable Tacoma insurance rates.
For instance, the bar chart below shows rates for the cheapest car insurance in San Francisco, CA for a 40-year-old male driver with a good driving record, no prior claims, and solid credit. If we look at prices based on his current rating profile, USAA may have the best car insurance rates in San Francisco at $1,500 annually. This is $151 less than the average policy premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also on the list of the cheapest San Francisco, CA auto insurance companies.
Now we will pretend the driver from the first rate comparison a chargeable accident, bad credit, and a traffic citation. Since each auto insurer has a proprietary method for setting prices, comparing rates may now present a different ranking of cheap San Francisco auto insurance companies as shown below.
Grange now has the cheapest auto insurance in San Francisco with Allstate, GEICO, Mercury, and Progressive now being in the top five. This shows why it is so important to spend some time comparing rates when trying to get affordable insurance rates for a Toyota Tacoma. Rates can be altered by many different factors and can increase or decrease at any time, so the cheapest company the last time you shopped around may now be wasting a lot of money.