Buying the cheapest auto insurance for a Toyota Tacoma in California depends on a complex formula that considers things such as how you use your vehicle, your credit status, and driving violations. Drivers pay on average $1,176 annually for Tacoma insurance, but that is based on a 30-year-old married female driver with full coverage and $500 deductibles.
But there is a high likelihood that you are not 30 years old and maybe not even female, maybe you are single instead of married, or maybe you rent instead of own your home. Every driver’s needs are different, and that is why the only way to find cheap auto insurance rates for your Toyota is to do a thorough rate comparison.
Find Cheaper Toyota Tacoma Insurance
The specific trim level tends to have a direct impact on the insurance rate, so the price you pay to insure a Tacoma 2WD trim level will be $70 less than the price to insure the more expensive Tacoma Double Cab TRD Sport Package 4WD trim level, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tacoma 2WD | $234 | $454 | $450 | $26 | $134 | $1,298 | $108 |
| Tacoma 4WD | $270 | $374 | $450 | $26 | $134 | $1,254 | $105 |
| Tacoma Double Cab 4WD | $270 | $454 | $450 | $26 | $134 | $1,334 | $111 |
| Tacoma X-Runner 2WD | $270 | $536 | $450 | $26 | $134 | $1,416 | $118 |
| Tacoma Double Cab 4WD | $304 | $454 | $450 | $26 | $134 | $1,368 | $114 |
| Tacoma Double Cab TRD Off-Road Package 4WD | $304 | $454 | $450 | $26 | $134 | $1,368 | $114 |
| Tacoma Double Cab TRD Sport Package 4WD | $304 | $454 | $450 | $26 | $134 | $1,368 | $114 |
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Table data represents married female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, claim-free, safe-driver, multi-policy, and multi-vehicle. Estimates do not factor in garaging location in Sacramento which can change prices considerably.
Finding out which company has the cheapest auto insurance rates for a Toyota Tacoma involves a bit more work in order to find a policy that fits your budget.
Each auto insurer has their own guidelines for setting rates, so let’s examine the auto insurance companies with the overall cheapest rates in California.
Find Cheaper Auto Insurance for Your Tacoma
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | CSAA | $1,186 |
| 3 | Wawanesa | $1,192 |
| 4 | Nationwide | $1,213 |
| 5 | Century National | $1,226 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,447 |
| 8 | Allstate | $1,497 |
| 9 | Mercury | $1,503 |
| 10 | Progressive | $1,512 |
| 11 | Allied | $1,556 |
| 12 | GEICO | $1,575 |
| 13 | MetLife | $1,590 |
| 14 | The Hartford | $1,591 |
| 15 | Unitrin | $1,682 |
| 16 | State Farm | $1,733 |
| 17 | Esurance | $1,756 |
| 18 | Bristol West | $1,795 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $2,026 |
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USAA generally has some of the cheapest car insurance rates in Sacramento at around $1,109 each year. CSAA, Wawanesa, Nationwide, and Century National also make the cut as some of the best Sacramento, CA auto insurance companies.
In the above rates, if you currently buy coverage from Century National and switched to CSAA, you could see savings of roughly $40. Policyholders with 21st Century might save as much as $139 a year, and Grange policyholders might cut rates by $261 a year.
Be aware that those 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 insurer that can offer you the best price may not even be in the top 24 companies in the list above. That illustrates why you need to compare rates from multiple companies using your own driver information and specific vehicle type.
Accidents and violations increase rates
One of the best ways to get the cheapest auto insurance prices in California for a Tacoma is to drive attentively and avoid traffic citations and accidents. The illustration below highlights how traffic violations and at-fault collisions influence insurance prices for different insured age categories. The premium estimates are based on a married male driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.
The data above shows the average cost of an auto insurance policy in California per year with no accidents or violations is $2,500. Get written up for one speeding ticket and the average cost hikes up to $2,872, an increase of $372 each year. Next add one accident along with the one speeding ticket and the annual cost of auto insurance for a Toyota Tacoma jumps again to an average of $3,930. That’s an increase of $1,430, or $119 per month, just for not driving safely!
Why you are probably overpaying for Tacoma insurance
Sacramento auto insurance rates are calculated based on many things which can substantially decrease or increase the policy premium. Simply improving your credit, having a teen driver, or getting a ticket for running a stop sign may cause policy rate changes that can make some companies cheaper than competitors. Not only may your risk profile change, but insurance companies change prices multiple times each year to adjust for heavy claims or excess profits. Significantly higher losses can result in rate hikes, while less frequent claims may cause lower-cost Tacoma insurance rates.
To illustrate this example, the data below shows which companies have the cheapest car insurance in Sacramento, CA for a 40-year-old female driver with a clean driving record, no accidents, and a high credit rating. When quoting prices based on her current situation, USAA has the cheapest car insurance rates in Sacramento at $1,413 a year. This is $238 less than the average policy premium paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also make the list of the cheapest Sacramento, CA auto insurance companies.
In the next rate comparison, we’ll give the driver in the first example an accident claim, a lower credit rating, and a traffic ticket or two. Because each insurer has a different process for determining prices, comparing insurance quotes may result in a different ranking of affordable Sacramento car insurance companies as shown below.
Grange now has the lowest car insurance rate in Sacramento, CA with Mercury, Allstate, Allied, and Progressive also being competitive. This example demonstrates why drivers need to perform an extensive rate comparison when trying to get the most economical insurance rates for a Toyota Tacoma. Insurance rates are impacted by many different factors and change frequently, so the lowest-price company when you bought your policy may now be an over-priced policy.
How to find the cheapest car insurance for a Toyota Tacoma
The list below details some of the recommended money-saving solutions that can help California drivers find cheaper auto insurance.
- Drive vehicles with five-star safety ratings
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Earn a discount by not filing claims
- Drive attentively and avoid accidents
- Bundle home and auto and earn a discount
- Shop around and save
The last tip is extremely critical, as was pointed out in the article above. Insurance prices can be changed at any time, so don’t hesitate to buy from a different company if a lower price can be found.
We understand brand loyalty, but it’s not a good idea if that faithfulness ends up costing you a wad of cash every year. Now is a great time to shop around and find cheaper auto insurance for a Toyota Tacoma in Sacramento.
The insurance agencies below can probably answer your questions and help you decide which insurance coverage will be best for you, since many consumers aren’t sure which coverage to buy and prefer to get some professional input when shopping for the best coverage for a Toyota Tacoma. It’s not always simple to find coverage yourself, so insurance agents can give you satisfaction knowing your coverage gives you adequate coverage when you need it most.
To locate a Sacramento car insurance agency in your neighborhood, click the link at the bottom.
- Nationwide Insurance: Welcome Financial Inc
1102 Jefferson Blvd c – West Sacramento, CA 95691 – (916) 231-3558 - Styrsky Insurance Agency
706 56th St – Sacramento, CA 95819 – (916) 361-8114 - Bates Insurance Agency | Auto Insurance and Homeowners Insurance and Car Insurance
2306 J St – Sacramento, CA 95816 – (916) 251-3548