Finding the cheapest car insurance for a Toyota Tacoma in California is pretty simple for most people to do, but it hinges on lots of different rating factors such as whether you are single or married, whether or not you garage your vehicle, and physical damage deductibles. Drivers in California pay on average $1,355 each year for Tacoma insurance, but that figure is a valuation using a 50-year-old single female driver with both comprehensive and collision coverage and $250 deductibles.
There’s a good chance you are not 50 and maybe not even a female, you might be married instead of single, or you just prefer to insure for liability only. Auto insurance requires individual risk assessment, so the best way to find cheap insurance rates for your Toyota is to compare as many rates as possible. To start saving now, get free quotes and you will receive price comparisons from the cheapest companies that insure vehicles in California.
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The trim level of your Tacoma has an effect on the coverage cost, so the price you will be charged to insure a Tacoma 2WD trim level will be $76 cheaper than the cost to insure the higher-end Tacoma Double Cab TRD Sport Package 4WD version, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tacoma 2WD | $256 | $564 | $500 | $30 | $150 | $1,500 | $125 |
| Tacoma 4WD | $294 | $464 | $500 | $30 | $150 | $1,438 | $120 |
| Tacoma Double Cab 4WD | $294 | $564 | $500 | $30 | $150 | $1,538 | $128 |
| Tacoma X-Runner 2WD | $294 | $664 | $500 | $30 | $150 | $1,638 | $137 |
| Tacoma Double Cab 4WD | $332 | $564 | $500 | $30 | $150 | $1,576 | $131 |
| Tacoma Double Cab TRD Off-Road Package 4WD | $332 | $564 | $500 | $30 | $150 | $1,576 | $131 |
| Tacoma Double Cab TRD Sport Package 4WD | $332 | $564 | $500 | $30 | $150 | $1,576 | $131 |
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Data based on single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, homeowner, claim-free, and multi-policy. Rate information does not factor in specific location which can change prices noticeably.
Irvine insurance companies
Finding the best insurance provider can be rather challenging considering how many companies provide coverage in Irvine. The company ratings shown next could help you select which companies you want to consider when comparing insurance rates for a Toyota Tacoma. The rankings below only include insurance companies that insure vehicles in the majority of U.S. states, so companies without a large exposure are not taken into consideration for these rankings.
Top 10 Major Car Insurance Companies in Irvine Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Top 10 Major Car Insurance Companies in Irvine Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
The diagram below demonstrates how choosing different deductibles can increase or decrease insurance costs when researching cheap insurance for a Toyota Tacoma. The price estimates are based on a married male driver, comprehensive and collision coverage, and no policy discounts are applied.
The data above shows that a 40-year-old driver could lower their car insurance rates by $356 a year by increasing from a $100 deductible to a $500 deductible, or save $534 by selecting a $1,000 deductible. Youthful drivers, like the Age 20 chart data, could possibly save $1,194 or even more just by choosing higher deductibles when buying full coverage.
When raising deductibles, it is essential to have enough in a savings account to allow you to cover the extra out-of-pocket expense that deters many people from opting for higher deductibles.
Discount Irvine insurance
Insurers that offer coverage for a Toyota Tacoma may also offer special discounts that could potentially reduce rates by as much as 25% or more if you meet specific criteria. The best insurance companies and a partial list of their discounts are:
- State Farm may include discounts for driver’s education, anti-theft, multiple autos, passive restraint, and defensive driving training.
- GEICO offers premium reductions for five-year accident-free, driver training, seat belt use, federal employee, and anti-theft.
- Allstate includes discounts for anti-theft, 55 and retired, premier discount, good payer, new car, and EZ pay plan discount.
- SAFECO may have discounts that include teen safety rewards, homeowner, teen safe driver, accident prevention training, safe driver, and multi-car.
- Farm Bureau has discounts for youthful driver, renewal discount, 55 and retired, multi-policy, driver training, good student, and safe driver.
- Progressive offers discounts for good student, online signing, multi-policy, continuous coverage, homeowner, multi-vehicle, and online quote discount.
- AAA has savings for multi-car, education and occupation, good driver, AAA membership discount, multi-policy, and anti-theft.
The diagram below visualizes the comparison of car insurance costs with and without discounts applied to the policy premium. The premiums assume a male driver, no claims or driving citations, California state minimum liability limits, full coverage, and $100 deductibles. The first bar for each age group shows insurance cost with no discounts. The second shows the rates with claim-free, accident-free, vehicle safety, safe-driver, homeowner, and defensive driving course discounts applied. In this example, the average amount saved each year on insurance for a Toyota Tacoma is 28% or $768.
How to find low-cost insurance for a Toyota Tacoma
Below you’ll find a few penny-pinching solutions that can help California drivers find more affordable coverage.
- Higher credit scores may earn you cheaper rates
- Raise physical damage deductibles
- Having at-fault accidents will increase rates
- Save money by staying claim-free
- Do not get traffic citations
- Buy your auto and home insurance from the same company and save
- Shop around for cheaper rates regularly
That last piece of advice is remarkably important, as was discussed in the prior article. Auto insurance prices adjust frequently, so drivers shouldn’t be resistant to buy a different policy if a cheaper price is available. Many drivers have brand loyalty and that’s fine, but is isn’t recommended if that stubbornness costs you money that could be going to better use. In just a couple of minutes you could shop around to find cheaper car insurance for a Toyota Tacoma in Irvine.