Finding competitive auto insurance for a Toyota Tacoma is dependent upon a large number of rating criteria such as how old the vehicle is, your profession, and citations on your driving record. Oregon drivers pay approximately $832 each year to insure their Tacoma, but that figure is an estimate calculated based on a 50-year-old married female driver with full physical damage coverage and $250 deductibles.
When making auto insurance estimates, the issue arises that you aren’t exactly 50 years old or even a female, maybe you are single instead of married, or maybe your Tacoma is old enough that it doesn’t require full coverage. Even a minor change in the criteria used to calculate rates can result in a massive change in the cost of insuring your Tacoma.
Not everyone needs the same coverages, so the only way to find cheap insurance rates for your Toyota is to just take the time to compare rates yourself. Quotes are free and easy and you can get prices from top-rated car insurance companies that offer coverage in Oregon.
Compare Toyota Tacoma Insurance Rates
Your Toyota’s trim level has an effect on the cost of coverage, so the price you pay to insure a Tacoma 2WD model will be $48 lower than the price to insure the more well-appointed Tacoma Double Cab TRD Sport Package 4WD model, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tacoma 2WD | $166 | $346 | $300 | $18 | $90 | $920 | $77 |
| Tacoma 4WD | $190 | $284 | $300 | $18 | $90 | $882 | $74 |
| Tacoma Double Cab 4WD | $190 | $346 | $300 | $18 | $90 | $944 | $79 |
| Tacoma X-Runner 2WD | $190 | $406 | $300 | $18 | $90 | $1,004 | $84 |
| Tacoma Double Cab 4WD | $214 | $346 | $300 | $18 | $90 | $968 | $81 |
| Tacoma Double Cab TRD Off-Road Package 4WD | $214 | $346 | $300 | $18 | $90 | $968 | $81 |
| Tacoma Double Cab TRD Sport Package 4WD | $214 | $346 | $300 | $18 | $90 | $968 | $81 |
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Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Oregon minimum liability limits. Discounts applied include homeowner, multi-vehicle, safe-driver, claim-free, and multi-policy. Prices do not factor in specific garaging location which can alter auto insurance rates substantially.
Choosing the best insurance provider is hard considering how many different companies there are to choose from in Oregon. The company ratings shown next can help you select which coverage providers you want to consider when trying to find cheaper insurance for a Toyota Tacoma.
The ratings below only include the largest auto insurers in America, so companies with more of a regional focus are not taken into consideration for these rankings. If you would like to check rates from these and other competitive companies, follow this link.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
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Data Source: Insure.com Best Car Insurance Companies
Rate increases following a ticket or accident
A great way to maintain low auto insurance rates in Oregon for a Tacoma is to drive safe and avoid accidents and traffic citations. The information below highlights how speeding tickets and fender-benders can raise yearly insurance costs for different ages of insureds. The price estimates are based on a single male driver, comprehensive and collision coverage, $250 deductibles, and no other discounts are factored in.
In the previous example, the average cost of an auto insurance policy in Oregon per year with no violations or accidents is $2,129. Get one speeding ticket and the average cost hikes up to $2,397, an increase of $267 each year. Then add two accidents along with the one speeding ticket and the 12-month cost of auto insurance for a Toyota Tacoma goes up to an average of $4,681. That’s an increase of $2,552, or $213 per month, just for not being more responsible behind the wheel!
The diagram below shows how choosing a deductible can change insurance prices when trying to find cheap insurance for a Toyota Tacoma. The rate quotes are based on a single female driver, comprehensive and collision coverage, and no additional discounts are factored in.
As shown above, a 50-year-old driver could lower their car insurance rates by $342 a year by increasing from a $100 deductible to a $500 deductible, or save $516 by changing to a $1,000 deductible. Younger drivers, such as the Age 20 example, could possibly save as much as $880 or even more just by choosing larger deductibles.
If you make the decision to raise deductibles, it is a good idea to have plenty of discretionary funds to allow you to pay the extra out-of-pocket expense that is associated with using high deductibles.
How to find economical car insurance for a Toyota Tacoma
The list below shows many penny-pinching ideas that can help Oregon drivers get cheap coverage.
- Buy a car with high safety ratings
- Prevent price hikes by avoiding at-fault accidents
- Save money by insuring older vehicles for liability only
- Higher credit ratings may save you money
- Increase your policy deductibles
- Speeding tickets and other violations increase rates
- Compare rates and switch if you can find a better deal
That last tip is especially valuable, as we noted in this write-up. Car insurance prices in Portland fluctuate constantly, so don’t be afraid to change to a new company if a more affordable rate is found. Being loyal to a particular company is commendable, but it’s not a great idea if that loyalty results in overpaying a wad of cash every year. If you have a few minutes, now is a great time to compare rates and find cheaper car insurance for a Toyota Tacoma.