How Much Does Insurance Cost for a Toyota Tacoma in North Dakota?

Buying cheap coverage for a Toyota Tacoma in North Dakota depends upon an enormous amount of factors such as the age of the Tacoma, whether or not you have prior claims, and if you had any at-fault accidents in the last few years. Drivers in North Dakota pay around $800 every 12 months for Tacoma insurance, but that figure is a ballpark figure using rating data for a 40-year-old married female that wants full coverage including both comprehensive and collision and $500 deductibles.

Chances are good that you are not 40 and maybe not even a female, single instead of married, and maybe your Tacoma is older and does not require full coverage. This shows why the way we recommend to find cheap auto insurance rates for your Toyota is to quote often and with as many companies as possible. In less than five minutes you will receive price comparisons from the best auto insurance companies that insure vehicles in North Dakota.

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The trim level of your Toyota has an effect on the insurance rate, so the price you will pay to insure a Tacoma 2WD trim level will be $42 less than the price to insure the more expensive Tacoma Double Cab TRD Sport Package 4WD version, as shown in the table below.

Table data assumes married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-vehicle, homeowner, multi-policy, safe-driver, and claim-free. Premium costs do not factor in specific garaging location which can impact premiums significantly.

Buying coverage from the highest-rated auto insurance provider can be rather challenging considering how many companies provide coverage in North Dakota. The ranking information in the next section may help you analyze which providers you want to consider when shopping car insurance rates for a Toyota Tacoma.

These ratings include the largest companies in the United States, so companies that only write business in North Dakota or surrounding areas will not be included in these rankings. To check rates from the most competitive companies in North Dakota, simply click here.

Top 10 Large Auto Insurance Providers in North Dakota Ranked by Customer Satisfaction

1. USAA – 92%
2. 21st Century – 88%
3. Nationwide – 88%
4. American Family – 88%
5. State Farm – 88%
6. Farmers Insurance – 87%
7. Liberty Mutual – 87%
8. AAA Insurance – 87%
9. The Hartford – 87%
10. Progressive – 87%

Top 10 Large Auto Insurance Providers in North Dakota Ranked by Value

1. USAA
2. GEICO
3. AAA Insurance
4. State Farm
5. Liberty Mutual
6. Safeco Insurance
7. Allstate
8. 21st Century
9. Nationwide
10. American Family

Top Companies for Toyota Tacoma Insurance in North Dakota

Does it make sense to buy full coverage?

Finding cheap insurance for a Toyota Tacoma in North Dakota is important to most people, and a good way to buy cheap insurance is to buy liability only. The diagram below compares insurance costs with and without physical damage coverage. The prices are based on no claims or driving citations, $100 deductibles, single marital status, and no discounts are applied.

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If we average the cost for all age groups, physical damage insurance costs an extra $2,217 per year more than just buying liability only. At some point, about every driver wonders when is the right time to remove full coverage. There isn’t a written rule of when to exclude physical damage insurance, but there is a guideline you can consider. If the annual cost of coverage is 10% or more of the replacement cost of your vehicle minus the policy deductible, then you might consider buying liability only.

How accidents and tickets impact rates in North Dakota

A great way to find the cheapest auto insurance prices for a Tacoma is to drive carefully and not get tickets or have accidents. The chart below shows how speeding tickets and at-fault collisions raise insurance prices for each age group. Data assumes a married male driver, full physical damage coverage, $500 deductibles, and no discounts are factored in.

google.charts.setOnLoadCallback(drawVioqcibChart);function drawVioqcibChart() {var data = google.visualization.arrayToDataTable([[‘Age of Insured’, ‘No Violations or Accidents’, ‘One Speeding Ticket and No Accidents’, ‘One Speeding Ticket and One Accident’],[‘Age 20’, 2657,2885,3531],[‘Age 30’, 1379,1607,2253],[‘Age 40’, 1333,1561,2205],[‘Age 50’, 1219,1453,2095],[‘Age 60’, 1201,1429,2075],[‘Age 70’, 1395,1623,2269]]);var options = {title: ‘Effect of Violations and Accidents on North Dakota Toyota Tacoma Insurance’,titleTextStyle: {color: ‘#333’, fontSize: 17, bold: true},width: ‘100%’,height: 600,’chartArea’: {left:100,top:50,’width’: ‘100%’, ‘height’: ‘70%’},legend: {position: ‘bottom’,textStyle: {fontSize: 12}},colors:[‘#b2da64′,’#eed355′,’#e39e71’],hAxis: {title: ‘Annual Insurance Cost for a Toyota Tacoma in North Dakota’,minValue: 0,format: ‘$###,###’},vAxis: {title: ‘Age of Insured’}};var formatter = new google.visualization.NumberFormat({fractionDigits: 0,prefix: ‘$’});formatter.format(data,1);formatter.format(data,2);formatter.format(data,3);var chart = new google.visualization.BarChart(document.getElementById(‘qcibvio’));chart.draw(data, options);}

In the example above, the average cost of car insurance in North Dakota per year with a clean driving record and no accidents is $1,531. Receive one speeding ticket and the average cost jumps to $1,760, an increase of $229 each year. Now get one accident along with the one speeding ticket and the annual cost of auto insurance for a Toyota Tacoma increases to an average of $2,405. That’s an increase of $874, or $73 per month, just for being a less-than-perfect driver!

How to find cheaper auto insurance for a Toyota Tacoma

The list below summarizes some of the recommended thrifty suggestions that can help drivers locate the cheapest car insurance.

• Avoid filing small claims
• Drive attentively and avoid accidents
• Avoid getting citations and tickets
• Raise your deductibles
• Do not insure for full coverage
• Compare rate quotes often

That last tip is extraordinarily important, as was stressed in this article. Auto insurance prices in North Dakota can change in a short period of time, so you should be ready to buy from a different company if a better deal can be had.

Staying with the same company for years is fine, but we do not recommend it if it’s costing you thousands of dollars over several years. In just a couple of minutes you could shop around and find cheaper car insurance for a Toyota Tacoma.

Best rates: Geico, Progressive, State Farm, or Allstate

When comparing insurance for a Tacoma in North Dakota, some of the first companies to look at are Geico, Progressive, State Farm, and Allstate. They all have the same basic coverages, but each one has different features and discounts that can influence your buying decision. The following table points out ratings for price and service, as well as some optional coverages that you can purchase from each one.

Cheapest Toyota Tacoma insurance quotes

There are a variety of different ways to compare auto insurance prices in North Dakota, but the most common ways are using an independent insurance agent, an exclusive agency such as Liberty Mutual or Allstate, or buying direct from a company like Progressive or Geico. All three ways are similar, but they are slightly different in how they provide price quotes.

Independent insurance agencies work for many companies and can compare rates with all of them. These types of agents possess the freedom to provide you with more rate quotes, which can help you get the best chance of saving money. If cheaper coverage is found, they simply move the coverage in-house and you do not have to find a new agent.

Exclusive agencies are restricted to quoting rates for one company, two examples being an Allstate or Liberty Mutual agent. They generally cannot shop your coverage around, so it’s a good idea to get additional price quotes.

The final way is buying direct, which means you bypass a local agent and instead shop from a direct company like Progressive or Esurance. Buying direct may be the best choice people who do not need high amounts of coverage and have some degree of understanding of what specific coverages they need.

Which method works best to buy cheap insurance for a Toyota Tacoma in North Dakota? It would be easy to say buying direct saves money because you bypass the agent, but in reality, that argument does not hold true. It would also be easy to say using an independent agent is the best way to save since there are more companies to choose from, but that assumption is also not necessarily accurate. In the right set of circumstances, exclusive agents have very competitive rates that are the cheapest.

Because of the variability of auto insurance rates, the guaranteed way to buy the cheapest coverage is to do a thorough rate comparison. If you want to save money, get price quotes from all three in order to be able to find the lowest price. For a list of companies offering online discounts in North Dakota, click here to view.