How much is car insurance for a Toyota Tacoma?

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In a nutshell...
  • The Toyota Tacoma compact pickup truck has been a bestseller in its class for over five years
  • By 2004, the Toyota Tacoma was selling ahead of others in its class such as the Dodge Dakota and the Nissan Frontier
  • The Toyota company added safety features to Toyota’s technology in response to recalls

The Toyota Tacoma compact pickup truck has been a bestseller in its class for over five years.

The Tacoma is tough without sacrificing comfort and comes in a wide choice of configurations to suit every need.

However, before comparing car insurance quotes read our review to learn more about this popular pickup truck and its insurance costs.

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The Toyota Tacoma: A Winner in its Class

The Toyota Tacoma was first introduced in 1995 to answer consumer demand for a small pickup truck that’s comfortable enough for personal driving but nonetheless built to do tough jobs.

Its impressive fuel efficiency, cabin comfort, and muscle came with a steady stream of improvements and updates as the years passed.

By 2004, the Toyota Tacoma was selling ahead of others in its class such as the Dodge Dakota and the Nissan Frontier; only the Ford Ranger sold slightly more than the Tacoma in the small pickup category.

Toyota completely redesigned the Tacoma for 2005, and it was immediately named Motor Trend’s 2005 Truck of the Year.

With eighteen different combinations of cab, transmission, bed length and engine to choose from, the second generation Tacoma became a bestseller.

For 2011, U.S. News & World Report ranks it the number one compact pickup truck based on available reviews, reliability and safety data, and test drives.

This ranking puts the Tacoma ahead of the Nissan Frontier, the Suzuki Equator, the Dodge Dakota, the GMC Canyon, the Chevrolet Colorado and the Ford Ranger in U.S. News & World Report’s evaluation.

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What about price and fuel efficiency?

The 2011 Tacoma’s Regular Cab model starts at $16,365, although the price quickly rises if you want the Access Cab, starting at $19,655, or the Double Cab, starting at $21,865.

The top-end X-Runner starts at $25,735. Some reviewers lament the steep price rise as bigger configurations and an extensive choice of options and packages are added.

The base model Tacoma Regular Cab, with a 4-cylinder 2.7-liter engine and five-speed manual transmission, gets 21 mpg city and 25 mpg highway according to EPA estimates.

If you opt for the 4.0-liter engine and a larger configuration such as the double cab with long bed, estimates are 16 mpg city and 20 mpg highway.

Even with extra size and power, fuel efficiency in the Tacoma is still sedan-worthy and contributes to the low cost of ownership.

Safety Features in the Toyota Tacoma

The Toyota Tacoma comes with a safety system known as Toyota’s Star Safety System.

This system includes:

  • Vehicle Stability Control
  • Traction Control
  • Anti-lock brakes with Electronic Brake-Force distribution
  • Brake assist
  • Smart Stop

The company added these features to Toyota’s technology in response to recalls.

Smart Stop reduces engine power when both accelerator and brake pedals are engaged in order to assist with coming to a full stop.

Other safety features include front, side and side-curtain airbags, side-impact door beams, LATCH child safety seat fittings, and tire pressure monitoring.

Double Cab Tacoma models also feature child protector rear door locks. Daytime Running Lights are optional on all models, and some models come standard with an Engine Immobilizer feature.

Crash Evaluation Ratings

For 2011, both rear-wheel and all-wheel drive models tested earned four stars out of five overall, with three stars for front impact, five stars for side impact, and four stars for rollover.

For those interested in a used Tacoma, the 2006 through 2009 federal safety ratings were five stars for driver and passenger front impact, five stars for driver side impact and four stars for rollover.

The 2010 Tacoma models tested rated five stars in every category with the exception of four stars for rollover.

The Insurance Institute for Highway Safety also evaluated the Toyota Tacoma and awarded it top marks from 2005 through 2011 for front and side impact.

Rear impact was also excellent in 2009-2011 models, but marginal from 2005 through 2008. Roof strength was also marginal from 2005 through 2011.

Overall, reviewers and crash testing organizations provide a mostly positive picture of the Toyota Tacoma’s safety performance.

How much is car insurance for a Toyota Tacoma?

Different sources estimate the national average to insure the base Regular Cab rear-wheel drive Tacoma around $1000 to $1200 annually.

While some sources estimate less than $1100 annually for higher trims, others estimate above $1500 annually for some four-wheel drive Double Cab configurations.

With an extensive choice of configurations and packages to choose from, the Tacoma’s average insurance estimates are necessarily somewhat wide-ranging falling between the range of $1000 and $1600 annually, or $83 and $133 monthly.

If you have a good driving record, live in a low-theft region, have good credit, or can bundle several policies in one package, you may receive excellent discounts off typical average rates.

On the other hand, young drivers, drivers with a record of accidents or moving violations, and those who live in more expensive regions to insure tend to pay much more than average.

Investigate all available discounts offered by reputable insurers, such as low mileage or good student discounts. Enter your zip code below to get FREE car insurance quotes today!

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