Buying the cheapest auto insurance for a Toyota Tacoma is normally pretty easy, but it hinges on a lot of different factors such as how you use your vehicle, the performance level of your vehicle, and any prior driving offenses. Drivers in California pay on average $1,070 each year to insure their Tacoma, but that cost is an estimate based upon a 50-year-old single female driver with full comprehensive and collision coverage and $1,000 deductibles.
If we were betting, you aren’t exactly 50 years old or even a female, maybe you are married instead of single, or maybe you need higher liability limits than the state minimum. This shows why the best way to find affordable rates for your Toyota is to compare as many rates as you can.
The specific trim level will be a contributing factor to the yearly cost, so the cost to insure a Tacoma 2WD trim level will cost $46 less than the price to insure the higher-priced Tacoma Double Cab TRD Sport Package 4WD version, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tacoma Double Cab 4WD||$182||$354||$500||$30||$150||$1,216||$101|
|Tacoma X-Runner 2WD||$182||$418||$500||$30||$150||$1,280||$107|
|Tacoma Double Cab 4WD||$204||$354||$500||$30||$150||$1,238||$103|
|Tacoma Double Cab TRD Off-Road Package 4WD||$204||$354||$500||$30||$150||$1,238||$103|
|Tacoma Double Cab TRD Sport Package 4WD||$204||$354||$500||$30||$150||$1,238||$103|
|Get Your Own Custom Quote Go|
Cost estimates assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Premium costs do not factor in specific zip code location which can raise or lower insurance rates noticeably.
Finding cost effective car insurance is not always easy, and determining which insurers offer the cheapest car insurance rates for a Toyota Tacoma will require additional perseverance. Every auto insurer uses slightly different criteria to determine premium rates, so we’ll take a look at the car insurance companies with the most affordable rates in Chula Vista.
Keep in mind that California car insurance rates are calculated based on many things which can substantially decrease or increase the policy price. Getting older, having a teen driver, or getting a driving violation can produce rate changes that can cause some rates to be cheaper than competitors.
Find the Best Cheap Insurance for Your Tacoma
USAA has some of the best car insurance rates in Chula Vista at around $1,143 annually. Wawanesa, CSAA, Century National, and Nationwide also are some of the cheaper Chula Vista, CA auto insurance companies.
In the above rates, if you currently buy coverage from Century National and switched to Wawanesa, you might see an annual savings of about $45. Drivers with Nationwide could save as much as $69 a year, and 21st Century insureds might realize rate reductions of up to $157 a year.
It’s important to note that these premiums are averages for all drivers and vehicles and are not factoring in a specific vehicle garaging location for a Toyota Tacoma. So the car insurance company that can offer you the lowest price may not even be in the list above. That underscores the importance of why you need to compare as many prices as possible using your own personal information and vehicle type.
The illustration below shows how different deductible levels can change insurance costs when searching for cheap insurance for a Toyota Tacoma. The costs are based on a single male driver, comprehensive and collision coverage, and no discounts are factored in.
The data above shows that a 40-year-old driver could lower their car insurance rates by $450 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $680 by choosing a $1,000 deductible. Young drivers, like the Age 20 chart data, can cut as much as $1,466 annually by selecting a higher deductible. When raising deductibles, it will be necessary to have plenty of discretionary funds to allow you to cover the extra out-of-pocket expense, which is the one shortcoming of high deductibles.
Bad driving habits will cost you more
The obvious way to enjoy affordable car insurance rates in Chula Vista for a Tacoma is to be a careful driver and avoid accidents and keep your driving record clean. The illustration below illustrates how violations and at-fault claims can increase auto insurance rates for each different age category. The data is based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.
In the chart above, the average cost of car insurance in California per year with no accidents or violations is $2,068. Factor in one speeding ticket and the average cost hikes up to $2,335, an increase of $267 each year. Now throw in two accidents along with the one speeding ticket and the annual cost of car insurance for a Toyota Tacoma jumps again to an average of $4,893. That’s an increase of $2,825, or $235 per month, just for not being a responsible driver!
Get discounts on Chula Vista car insurance rates
Car insurance companies that provide coverage for a Toyota Tacoma may also give you discounts that can lower rates by as much as 30% if you qualify for them. A few of the larger companies and a summarized list of policyholder discounts can be read below.
- GEICO offers premium reductions for federal employee, seat belt use, air bags, multi-policy, military active duty, and emergency military deployment.
- MetLife discounts include multi-policy, claim-free, defensive driver, good student, good driver, accident-free
- State Farm may offer discounts for defensive driving training, multiple autos, student away at school, accident-free, and good driver.
- Progressive may have discounts that include continuous coverage, online signing, online quote discount, multi-vehicle, good student, and multi-policy.
- Mercury Insurance policyholders can earn discounts including good driver, ease of repair, age of vehicle, multi-policy, and accident-free.
- 21st Century has savings for teen driver, driver training, anti-lock brakes, good student, student driver, defensive driver, and homeowners.
- Allstate offers discounts including FullPay discount, auto/life discount, farm vehicle, good payer, utility vehicle, and eSmart discount.
The example below illustrates the comparison of insurance prices with and without discounts applied to the policy rates. The information is based on a male driver, no driving violations, no at-fault accidents, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with marriage, safe-driver, passive restraint, multiple policy, claim-free, and defensive driving course discounts applied. When discounts are factored in, the average amount saved each year on car insurance for a Toyota Tacoma is 28% or $695.