Finding cheaper car insurance for a Toyota Tacoma in Texas is dependent upon a large number of rating criteria such as whether you are single or married, the likelihood of your vehicle being stolen, and physical damage deductibles. Texas drivers pay approximately $1,310 a year for Tacoma insurance, but that price is a projection based upon a 40-year-old single male driver with both comprehensive and collision coverage and $250 deductibles.
When making auto insurance estimates, the issue arises that you aren’t exactly 40 years old or even a male, maybe you are married instead of single, or maybe you just want different deductibles. Having just a slight change in the rating criteria used to formulate rates may result in a big change in the cost of insurance for a Toyota Tacoma.
The different assumptions illustrate why the way we recommend to find cheap insurance prices for your Toyota is to do the rate comparisons yourself. Comparing quotes is easy and you will receive rate quotes from some of the most affordable companies that sell coverage in Texas.
Find Cheaper Toyota Tacoma Insurance
Vehicle trim level tends to have a direct impact on the insurance rate, so the rate you pay to insure a Tacoma 2WD trim level will be $74 lower than the price to insure the more costly 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 2WD | $252 | $570 | $462 | $28 | $138 | $1,450 | $121 |
| Tacoma 4WD | $288 | $468 | $462 | $28 | $138 | $1,384 | $115 |
| Tacoma Double Cab 4WD | $288 | $570 | $462 | $28 | $138 | $1,486 | $124 |
| Tacoma X-Runner 2WD | $288 | $672 | $462 | $28 | $138 | $1,588 | $132 |
| Tacoma Double Cab 4WD | $326 | $570 | $462 | $28 | $138 | $1,524 | $127 |
| Tacoma Double Cab TRD Off-Road Package 4WD | $326 | $570 | $462 | $28 | $138 | $1,524 | $127 |
| Tacoma Double Cab TRD Sport Package 4WD | $326 | $570 | $462 | $28 | $138 | $1,524 | $127 |
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Price data assumes single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, multi-policy, multi-vehicle, safe-driver, and claim-free. Table data does not factor in specific zip code location which can lower or raise price quotes substantially.
Ratings for Lubbock auto insurance companies
Ending up with the best insurance provider can be rather challenging considering how many choices there are in Texas. The ranking information in the lists below may help you pick which car insurance companies to look at when trying to find the cheapest insurance for a Toyota Tacoma. These ratings only include companies with a nationwide focus, so companies that may only write in Texas are not factored into the list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| Mercury Insurance | 97 | 96 | 88 | 89% | A+ | 93.4 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
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Data Source: Insure.com Best Car Insurance Companies
Bad driving habits will cost you more
One of the best ways to get the most affordable auto insurance rates in Texas for a Tacoma is to be a good driver and have a clean driving record. The information below shows how speeding tickets and at-fault fender-benders can drive up auto insurance rates for each age group. The rates are based on a single female driver, comp and collision included, $500 deductibles, and no additional discounts are factored in.
In the chart above, the average cost of car insurance in Lubbock per year with no accidents and a clean driving record is $2,022. Factor in one speeding ticket and the average cost rises to $2,292, an increase of $270 each year. Now include two accidents along with the one speeding ticket and the annual cost of auto insurance for a Toyota Tacoma jumps again to an average of $4,728. That’s an increase of $2,706, or $226 per month, just for not paying attention while driving!
Get discount Lubbock car insurance
Car insurance companies that sell policies for a Toyota Tacoma may provide premium discounts that can reduce rates by 35% or more if you meet the requirements. A list of auto insurance companies and some of the premium reductions they offer are shown below.
- Farmers Insurance offers discounts including homeowner, pay in full, electronic funds transfer, teen driver, youthful driver, good student, and multi-car.
- State Farm discounts include safe vehicle, defensive driving training, accident-free, anti-theft, and passive restraint.
- Liberty Mutual policyholders can earn discounts including new vehicle discount, multi-policy, newly retired, exclusive group savings, and good student.
- MetLife includes discounts for defensive driver, multi-policy, good driver, accident-free, and claim-free.
- Progressive offers discounts for multi-vehicle, homeowner, online quote discount, good student, multi-policy, online signing, and continuous coverage.
The illustration below shows the comparison of car insurance rates with and without discounts applied to the rates. The data assumes a male driver, no claims or violations, Texas state minimum liability limits, comprehensive and collision coverage, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second bar shows the rates with safe-driver, claim-free, anti-theft, accident-free, multiple policy, and homeowner discounts applied. When discounts are applied, the average amount saved each year on auto insurance for a Toyota Tacoma is 28% or $668.
How to find more affordable insurance for a Toyota Tacoma
It is possible to find better rates, and here are some of the recommended penny-pinching suggestions that can help you find lower-cost car insurance.
- Avoid filing excessive claims
- Maintain a safe distance and avoid accidents
- Do not get traffic violations
- Increase the comprehensive and collision deductibles on your policy
- On older vehicles, drop full coverage
- Comparison shop frequently
The last idea is incredibly critical, as was affirmed in the prior information. Coverage prices can be changed at any time, so don’t hesitate to switch carriers if a lower price can be found.
Sticking with a specific company is fine, but it’s not a great idea if your bullheadedness ends up costing you potentially thousands of dollars a year. Now is a great time to compare prices to find cheaper insurance for a Toyota Tacoma in Lubbock.