How Much are Insurance Quotes for a Toyota Tacoma in Texas?

Buying cheaper coverage for a Toyota Tacoma in Texas depends on a whole bunch of rating criteria like your vehicle’s safety rating, your credit history, and physical damage deductibles. Texas drivers on average pay around $1,110 per year for Tacoma insurance, but that cost is a ballpark figure based on cost data for a 50-year-old married male driver who requires full coverage including both comprehensive and collision and $100 physical damage deductibles.

It’s highly likely you are not 50 years old and maybe not even male, maybe you are single instead of married, or maybe you just want liability only. What seems to be a small difference in rating variables can cause big changes in rate quotes.

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 do a thorough rate comparison. To cut your rates now, get a free quote and you can get rates from top-rated car insurance companies available.

Compare Toyota Tacoma Insurance Rates

The specific model of Tacoma tends to have a direct effect on price, so the price you pay to insure a Tacoma 2WD trim level will be $66 less than the insurance cost for the fancier Tacoma Double Cab TRD Sport Package 4WD version, as shown in the prices below.

Data variables include married male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Price information does not factor in specific Texas garaging location which can alter auto insurance rates substantially.

Selecting a highly-rated auto insurance provider can be challenging considering how many choices there are in Texas. The ranking information listed below may help you decide which auto insurers you want to consider when trying find the best insurance for a Toyota Tacoma.

The rankings below include the largest auto insurers in America, so smaller companies are not taken into consideration for this list. To get price quotes from these companies and more, click here.

Top 10 Large Auto Insurance Companies in Texas Ranked by Value

1. Mercury Insurance
2. Travelers
3. Safeco Insurance
4. American Family
5. AAA Insurance
6. The Hartford
7. Progressive
8. The General
9. Titan Insurance
10. Esurance

Top 10 Large Auto Insurance Companies in Texas Ranked by Customer Satisfaction

1. USAA – 91%
2. Esurance – 90%
3. AAA Insurance – 90%
4. Mercury Insurance – 89%
5. Nationwide – 89%
6. Progressive – 88%
7. Safeco Insurance – 88%
8. State Farm – 88%
9. Allstate – 88%
10. Travelers – 88%

Top Companies for Toyota Tacoma Insurance in Texas

Discounts on cheap insurance for a Toyota Tacoma in Texas

Car insurance companies that offer cheap quotes for a Toyota Tacoma may provide special discounts that could potentially reduce rates by 25% or more if you meet specific criteria. The best insurance companies and some of their more popular discounts are:

The illustration below visualizes the comparison of annual premium costs with and without discounts being applied to the rates. The data assumes a female driver, no accidents or driving violations, Texas state minimum liability limits, comp and collision included, and $500 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with claim-free, marriage, safe-driver, anti-theft, accident-free, and passive restraint discounts applied. When drivers qualify for the discounts, the average amount saved each year on insurance for a Toyota Tacoma is 35% or $977.

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Cheap Toyota Tacoma insurance quotes

You have a lot of ways to quote insurance rates in Texas, but the most prevalent ways are from an exclusive insurance agency such as State Farm or Liberty Mutual, a non-exclusive or independent agent, or from a direct company like Progressive or Geico. They all follow the same basic process, but it’s important to point out the distinctions in how they work.

Independent insurance agencies can place your business with multiple companies and can get policy pricing from every one. They are not employed by one specific company and can quote rates with many companies, which can help you get the best chance of saving money. If your agent finds a cheaper company, the agent simply finds a different carrier and you don’t have to switch agencies.

A captive or exclusive agent is contracted to a single company, two examples being State Farm and Allstate agents. They generally cannot provide rates from more than one company, so always compare other rates.

Drivers who opt to buy insurance direct skip a local agent and instead buy buying direct from a company like Esurance or Geico. Shopping for insurance direct is a good choice for drivers who do not have complex finances and know what specific coverages and deductibles they need.

When shopping for insurance, which way works best for finding cheap insurance for a Toyota Tacoma in Texas? We would first guess that shopping direct yields the cheapest rates since there is no middleman, but that does not always hold true. A good argument could also be made that an independent agent can save the most money because they can quote many companies, but again, that’s not a true statement. For some people, exclusive agencies have very competitive rates well below independent agents AND direct companies.

Because there are so many factors that make up insurance rates, the guaranteed way to find out which one is cheapest is to do a thorough rate comparison. It takes a little work, but we recommend you get price quotes all three ways to give yourself enough choices. For a list of companies with some of the cheapest Texas insurance rates, click here to view.

How to find economical auto insurance for a Toyota Tacoma

The list below summarizes many thrifty solutions that can help drivers get low-cost coverage.

• Drive safely
• Accident-free drivers may qualify for discounts
• Save money by staying claim-free
• On older vehicles, drop full coverage
• Bundle home and auto and save
• Safe vehicles generally have lower rates
• Look for cheaper rates once a year by shopping around

The last tip is extraordinarily necessary, as was discussed in the prior article. Auto insurance rates in Texas change constantly, so drivers shouldn’t be reluctant to switch to a new company if a more affordable rate is found. Many drivers prefer to stick with one company, but it’s not a great idea if that devotedness results in you overpaying a lot of money. Take a couple minutes and shop around and find cheaper car insurance for a Toyota Tacoma.