How much is insurance on a Toyota Tacoma?
A 2024 Toyota Tacoma runs about $1,850 a year for a typical 45-year-old, $100 less than an average 2024 car, because of slightly cheaper repairs and slightly fewer at-fault claims.
2024 Toyota Tacoma, national average
about $1,850 a year (about $155 a month)
roughly $1,350–$2,450
An average 2024 car: about $1,940. An older Toyota Tacoma costs less (below).
Priced: the 2024 Tacoma 2WD (the newest year our claims data covers), a 45-year-old, clean record, full coverage. Each state moves every car's price by the same share. How we got these.
A used Toyota Tacoma, by model year
| Model year | Full coverage | Liability only | Adding a teen | Teen on their own policy |
|---|---|---|---|---|
| 2024 (0–3 years old) | about $1,850 | about $950 | +$1,220 | about $5,290 |
| 2022 (4–7 years old) | about $1,740 | about $950 | +$1,150 | about $4,990 |
| 2018 (8–12 years old) | about $1,620 | about $950 | +$1,070 | about $4,650 |
| 2013 (13 or more years old) | about $1,510 | about $950 | +$990 | about $4,320 |
We list the Toyota Tacoma for 2006–2026. How much a car's age takes off is our own estimate. Years before 2022 use the 2022–24 claims results.
The 2024 Toyota Tacoma runs from about $1,790 a year (Tacoma 4WD) to about $1,970 (Tacoma Hybrid 4WD): the claims data differs by drive, body, or powertrain.
- Tacoma 4WD; Tacoma 4WD MT; Tacoma SR5/Sport/Off-Road/Limited 4WD: about $1,790
- Tacoma 2WD; Tacoma SR5/Sport/PreRunner 2WD: about $1,850
- Tacoma Hybrid 4WD: about $1,970
The Toyota Tacoma for other drivers on their own policy, a year: 22–25, $2,400; 26–39, $2,050; 65 and older, $1,940.
Adding a 16-year-old with a Toyota Tacoma
A new 16-year-old driving the Toyota Tacoma adds about $1,220 a year ($100 a month), $60 less than with an average 2024 car.
For adding a teen, the Toyota Tacoma ranks 40th cheapest of our 121 car pages.
That's the whole household's bill going up. Cheapest cars to insure for a teen.
Why the Toyota Tacoma costs what it does
Its insurance claims against an average car's (HLDI):
- Repairs
- lower than average
- Theft and weather
- much lower than average
- Damage to others
- lower than average
- Injuries to others
- no figure
The part that fixes or replaces the Toyota Tacoma: about $900, against $950 for an average 2024 car (6% less). The part that pays for harm to others: about $950, against $990 for an average car (4% less).
By the EPA's size classes it's a small pickup, and it's gas-powered. The Highway Loss Data Institute groups it with small pickups.
Matched to “Toyota Tacoma double cab pickup” in HLDI's results.
Similar small pickups
Among these 9 small pickups, the Toyota Tacoma is the 3rd least expensive to insure.
- 2024 Honda Ridgelineabout $1,780 ($70 less)
- 2024 Ford Maverickabout $1,810 (about the same)
- 2024 Toyota Tacomaabout $1,850 (this car)
- 2024 Ford Rangerabout $1,860 (about the same)
- 2024 Nissan Frontierabout $1,870 (about the same)
- 2024 Chevrolet Coloradoabout $1,870 (about the same)
- 2024 Hyundai Santa Cruzabout $1,890 (about the same)
Both start from your own situation if you've set one. For crash safety, see IIHS and NHTSA ratings.
This is an estimate to help you plan, not a quote. We don't sell insurance, and we never pass your info to anyone. Only an insurer can give you a real price.