Finding competitive auto insurance for a Toyota Tacoma in Texas relies on many factors such as age of the driver, your credit rating, and driving violations and tickets. Drivers in Texas will pay on average $1,258 per year for Tacoma insurance, but that is an estimate using a 30-year-old married female driver with full coverage and $100 deductibles.
But there is a good chance that you may not be 30 years old (or even female), single instead of married, and maybe you have sub-par credit that needs to be factored in. Just a very minor change in rating criteria could end up with a large change in the cost of insurance for a Toyota Tacoma.
Auto insurance is not the same for everyone, so the only way to find the cheapest rates for your Toyota is to compare as many rates as you can.
The trim level of your vehicle will be a contributing factor to the yearly cost, so the price to insure a Tacoma 2WD model will be $80 cheaper than the price to insure the high end Tacoma Double Cab TRD Sport Package 4WD model, as shown by the rates below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tacoma Double Cab 4WD||$318||$580||$388||$24||$116||$1,426||$119|
|Tacoma X-Runner 2WD||$318||$684||$388||$24||$116||$1,530||$128|
|Tacoma Double Cab 4WD||$358||$580||$388||$24||$116||$1,466||$122|
|Tacoma Double Cab TRD Off-Road Package 4WD||$358||$580||$388||$24||$116||$1,466||$122|
|Tacoma Double Cab TRD Sport Package 4WD||$358||$580||$388||$24||$116||$1,466||$122|
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Prices above based on married female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Information does not factor in vehicle garaging location which can alter prices noticeably.
Finding the highest-rated company can be difficult considering how many companies are available to choose from in Texas. The ranking data below can help you pick which auto insurance companies to look at shopping prices with. The ratings below are only comprised of companies that insure vehicles nationwide, so companies that may only write in Texas will not be included in these rankings.
Top 10 Large Auto Insurance Providers in Dallas Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Top 10 Large Auto Insurance Providers in Dallas Ranked by Customer Service
- Mercury Insurance
- AAA Insurance
- Safeco Insurance
- State Farm
- The Hartford
- The General
Price comparison of only insuring for liability
Finding the cheapest car insurance is the goal of most drivers, and an easy way to pay lower rates for insurance for a Toyota Tacoma is to not pay for full coverage. The chart below shows the comparison of insurance rates with liability coverage only compared to full coverage. The premiums are based on no claims or driving citations, $100 deductibles, drivers are not married, and no other discounts are factored in.
As an overall average, full coverage costs an additional $2,589 per year over and above liability only. Many drivers will wonder if paying for full coverage is a waste of money. There is no set guideline to drop comp and collision coverage, but there is a general convention. If the annual cost of comprehensive and collision coverage is 10% or more of the replacement cost minus the deductible, then you might consider buying liability only.
Discount Dallas auto insurance rates
Car insurance companies that provide coverage for a Toyota Tacoma may also give you rate discounts that can reduce rates by 30% or more if you qualify for them. A few popular companies and some of the premium reductions they offer are:
- Progressive offers discounts for continuous coverage, online signing, online quote discount, multi-vehicle, multi-policy, and good student.
- SAFECO has discounts for safe driver, multi-car, teen safe driver, teen safety rewards, anti-lock brakes, bundle discounts, and homeowner.
- American Family may have discounts that include bundled insurance, good driver, defensive driver, mySafetyValet, accident-free, and air bags.
- MetLife may include discounts for multi-policy, accident-free, defensive driver, good driver, good student, and claim-free.
- GEICO offers premium reductions for defensive driver, daytime running lights, driver training, air bags, and seat belt use.
- The Hartford includes discounts for driver training, defensive driver, vehicle fuel type, air bag, good student, and anti-theft.
The example below illustrates the difference between car insurance costs with and without discounts applied to the policy rates. The costs are based on a female driver, no driving violations, no at-fault accidents, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows the price with no discounts. The second bar shows the rates with accident-free, passive restraint, anti-theft, safe-driver, defensive driving course, and vehicle safety discounts applied. When discounts are applied, the average amount saved each year on car insurance for a Toyota Tacoma is 28% or $624.
The example below illustrates how your deductible choice can raise or lower insurance rates when searching for cheap insurance for a Toyota Tacoma. The data is based on a single female driver, full physical damage coverage, and no discounts are taken into consideration.
As shown above, a 50-year-old driver could lower rates by $362 a year by switching from a $100 deductible to a $500 deductible, or save $546 by changing to a $1,000 deductible. Younger drivers, such as the 20-year-old example, have the ability to save up to $920 each year just by choosing higher deductibles when buying full coverage.
When increasing deductibles, it’s a good idea to have emergency funds available to satisfy the extra out-of-pocket expense. That is the one drawback of using higher deductibles.
If you prefer to get some help when trying to find lower insurance rates for a Toyota Tacoma, the professional agents shown below can help you determine which coverage fits your budget.
To find an agent using an interactive map, click the link after the list or click here to get price quotes now.
State Farm Insurance: Scott LaDuke Agency
2702 McKinney Ave #203 – Dallas, TX 75204 – (214) 740-1800
Texas Insurance Pro
2695 Villa Creek Dr #175 – Dallas, TX 75234 – (214) 717-4326
State Farm: Brent Cooper
5232 Forest Ln #111 – Dallas, TX 75244 – (214) 987-1995