Cheap Insurance for a Toyota Tacoma in Kentucky

Our editors have a joke that when writing about car insurance, the words “affordable” or “cheap” should not be used anywhere in the article to describe car insurance rates. Regardless, cheap car insurance for a Toyota Tacoma is not easy to find. Don’t let that get you down, though, because we are going to tell you how you can get insurance that is considered budget-friendly.

Your ability to find cheaper insurance for a Toyota Tacoma in Kentucky is dependent upon many different factors such as your gender, if you have ever let your policy lapse, and if you have a clean driving record. Drivers pay an average rate of $790 per year to insure a Toyota Tacoma, but that cost is a valuation that uses rate data for a 50-year-old single female who requires full physical damage coverage and $1,000 policy deductibles.

But there is a good chance that you aren’t exactly 50 years old or even a female, you might be married instead of single, or maybe you want different physical damage deductibles. What seems to be a small difference in price quote data can make a big difference in the price of a policy.

Auto insurance is unique to each driver, so the only way to find the cheapest rates for your Toyota is to shop your policy around at every renewal. Quotes are always free and you will receive rate quotes from some of the best companies available.

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The specific model of Tacoma tends to impact the cost of insurance, so the price to insure a Tacoma 2WD will be $36 less than the price to insure the more costly Tacoma Double Cab TRD Sport Package 4WD model, as shown in the table below.

Above prices assume single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Kentucky minimum liability limits. Discounts applied include multi-vehicle, multi-policy, safe-driver, homeowner, and claim-free. Rate quotes do not factor in your specific Kentucky location which can alter premium rates considerably.

Figuring out which insurers offer the most affordable auto insurance rates for a Toyota Tacoma will involve a tad more effort in order to find a policy that fits your budget. Each insurer has their own formula for determining rates in each state, so we’ll go over the auto insurance companies with the overall cheapest rates in Kentucky.

It’s important that readers know that Kentucky auto insurance rates are based on many factors which can substantially change the price you have to pay. Getting older, getting divorced, or getting a couple of tickets can trigger changes in premium that can make some companies cheaper than others.

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Cincinnati Insurance quotes some of the most affordable car insurance rates in Kentucky at around $1,115 each year. Kentucky Farm Bureau, USAA, Auto-Owners, and Motorists Mutual also make the cut as some of the lowest-priced Kentucky insurance companies.

As the rates illustrate above, if you currently buy coverage from Kentucky Farm Bureau and switched to Cincinnati Insurance, you could realize a yearly price reduction of in the vicinity of $24. Policyholders with USAA could save as much as $108 a year, and Auto-Owners customers might see rate reductions of $242 a year.

If you want to find out if you’re overpaying, click here to start your free quote or quote prices from the following companies.

Bear in mind that those prices are averages for all types of drivers and the different vehicles they drive and do not take into consideration a specific rate factor for a Toyota Tacoma. So the auto insurance company that fits your age and vehicle best may not even be included in the above list. That illustrates why you need to get auto insurance quotes using your own individual information.

Impact of citations and accidents on insurance rates

In a perfect world, the best way to get cheap insurance for a Toyota Tacoma in Kentucky is to pay attention while driving and maintain a clean driving record. The example below highlights how traffic violations and accident claims can influence annual premium costs for different age groups. The information is based on a married male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.

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The data in the chart shows the average cost of car insurance in Kentucky per year with no accidents or violations is $1,584. Receive two speeding tickets and the average cost rises to $2,180, an increase of $596 each year. Now include one accident along with the two speeding tickets and the annual cost of auto insurance for a Toyota Tacoma goes up to an average of $2,775. That’s an increase of $1,191, or $99 per month, just for not driving responsibly!

Company comparison: State Farm vs Geico vs Allstate vs Progressive

When shopping for insurance for a Tacoma, the four most popular companies are State Farm, Geico, Allstate, and Progressive. All four can cover your vehicle for liability and physical damage, but each one has a slightly different mix of options and features that you can choose from. The table below ranks ratings for price and service, as well as some optional coverages that may be available in your state.