Finding cheaper car insurance for a Toyota Tacoma is dependent upon a lot of rating factors such as how old the Tacoma is, your geographic location, and any past driving violations you may have had. Drivers pay approximately $1,106 per year to insure their Tacoma, but that amount is a projection using a 30-year-old single female driver with full physical damage coverage and $100 deductibles.
But there is a high likelihood that you aren’t exactly 30 years old or even a female, married instead of single, or maybe you want different physical damage deductibles. Having even a minor difference in rating criteria or coverage limits can result in a big discrepancy in policy price.
Having different needs demonstrates why the only real way to find the cheapest rates for your Toyota is to just take the time to compare rates yourself. Quotes only take a couple of minutes and you will receive rate quotes from the best companies that sell coverage in Missouri.
The trim level of your Toyota tends to have a direct effect on the coverage cost, so the price to insure a Tacoma 2WD will be $66 cheaper than the cost to insure the more expensive Tacoma Double Cab TRD Sport Package 4WD trim level, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tacoma 2WD | $222 | $510 | $360 | $22 | $108 | $1,222 | $102 |
| Tacoma 4WD | $254 | $418 | $360 | $22 | $108 | $1,162 | $97 |
| Tacoma Double Cab 4WD | $254 | $510 | $360 | $22 | $108 | $1,254 | $105 |
| Tacoma X-Runner 2WD | $254 | $600 | $360 | $22 | $108 | $1,344 | $112 |
| Tacoma Double Cab 4WD | $288 | $510 | $360 | $22 | $108 | $1,288 | $107 |
| Tacoma Double Cab TRD Off-Road Package 4WD | $288 | $510 | $360 | $22 | $108 | $1,288 | $107 |
| Tacoma Double Cab TRD Sport Package 4WD | $288 | $510 | $360 | $22 | $108 | $1,288 | $107 |
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Prices above based on single female driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Missouri minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, safe-driver, and multi-policy. Rates do not factor in your specific Kansas City location which can modify price quotes noticeably.
Finding out which company quotes the most affordable insurance rates for a Toyota Tacoma will require more time than just quoting one company’s rates.
Each auto insurance company has a proprietary formula to determine rates, so let’s rank the lowest cost insurance companies in Kansas City. It’s important to know that Kansas City insurance rates are impacted by many factors that control the price of your policy. Simply turning a year older, buying a different home, or getting a few speeding tickets may cause policy rate changes that can now make some companies much cheaper than others.
Find the Cheapest Car Insurance for Your Tacoma
USAA has some of the lowest car insurance rates in Kansas City at around $642 a year. The Hartford, Allied, Electric, and Travelers also rank well as some of the cheapest Kansas City, MO insurance companies.
As shown in the rates above, if you are currently insured with Electric and switched to USAA, you could earn yearly savings of around $207. Customers with Travelers may save as much as $366 a year, and MO Farm Bureau insureds might reduce prices by as much as $390 a year.
If you want to find out if you’re overpaying, click here to start your custom quote or feel free to get quotes from the companies below.
It’s important to note that these premiums are averaged across all insureds and vehicles and and are not figured with an exact location for a Toyota Tacoma. So the insurer that is most affordable for your situation may not even be in the top 23 companies in the list above. That’s why you need to get rate quotes from many companies using your own driver and vehicle profiles.
Insurance rate increases from tickets or accidents
The recommended way to receive the most affordable insurance rates in Missouri for a Tacoma is to pay attention while driving and avoid accidents and traffic violations. The diagram below illustrates how speeding tickets and accident claims increase car insurance costs for different age groups of insureds. The prices are based on a married male driver, full coverage, $250 deductibles, and no discounts are taken into consideration.
The data in the chart shows the average cost of car insurance per year with no accidents and a clean driving record is $1,324. Get two speeding tickets and the average cost surges to $1,823, an increase of $499 each year. Now throw in two accidents along with the two speeding tickets and the annual cost of insurance for a Toyota Tacoma jumps again to an average of $3,705. That’s an increase of $2,381, or $198 per month, just for not driving responsibly!
The example below illustrates how your deductible choice can raise or lower insurance prices when getting quotes for cheap insurance for a Toyota Tacoma. The data is based on a single male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
In the chart above, a 50-year-old driver could lower their car insurance rates by $296 a year by switching from a $100 deductible to a $500 deductible, or save $446 by using a $1,000 deductible. Young drivers, like the Age 20 chart data, have the ability to save up to $988 each year just by using higher deductibles. When insureds make the decision to increase the deductibles on their policy, it is a good idea to have additional savings on hand to allow you to cover the extra out-of-pocket expense associated with higher deductibles.
How to find the cheapest car insurance for a Toyota Tacoma
It’s not impossible to find cheaper rates, and here are some money-saving suggestions that can help you quote cheap auto insurance.
- Higher credit ratings may save you money
- Pay less by remaining claim-free
- Having at-fault accidents will increase rates
- Ensure your driving record is clean
- Buy vehicles with five-star safety ratings
- Compare rate quotes frequently
The final tip is very valuable, as was pointed out in the prior information. Auto insurance rates fluctuate constantly, so don’t hesitate to buy from a new company if you find a better deal. Many drivers prefer to stick with one company, but is isn’t recommended if your bullheadedness ends up costing you hundreds of dollars year after year. Now is a great time to compare rates to find cheaper auto insurance for a Toyota Tacoma in Kansas City.
If you aren’t sure which coverage you need and prefer to get some guidance when shopping for the best coverage for a Toyota Tacoma, the agents below can help you determine which is the best policy.
To locate an agency nearest to you, click the link at the bottom or click here to compare prices now.
- Antioch Insurance Agency
214 NE Barry Rd – Kansas City, MO 64155 – (816) 454-0400 - SIMONE Insurance Agency, LLC
7138 N Norton Ave – Kansas City, MO 64119 – (816) 739-8995 - Elaine Fry Agency — State Farm®
1310 Carondelet Dr #200 – Kansas City, MO 64114 – (816) 942-7800