Buying cheap auto insurance for a Toyota Tacoma in California is usually pretty straightforward, but it is dependent upon a whole bunch of rating criteria such as how old the vehicle is, if you are a frequent claim filer, and your choice of physical damage deductibles. California drivers pay on average $1,549 annually to insure their Tacoma, but that figure is an approximation using a 40-year-old single female driver with full physical damage coverage and $250 deductibles.
There's a high likelihood you are not 40 and maybe not even a female, maybe you are married instead of single, or maybe your Tacoma is old enough that it doesn't require full coverage. Car insurance coverage is unique to each driver, so this is why the best method for finding affordable rates for your Toyota is to just compare rates yourself. Comparing quotes is easy and you will receive price comparisons from the cheapest companies that insure Toyota vehicles in California.
View Toyota Tacoma Insurance Rates
The trim level of your Toyota tends to have a direct impact on price, so the price you will pay to insure a Tacoma 2WD model will be $84 lower than the cost to insure the more expensive 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 | $286 | $650 | $574 | $34 | $172 | $1,716 | $143 |
| Tacoma 4WD | $328 | $534 | $574 | $34 | $172 | $1,642 | $137 |
| Tacoma Double Cab 4WD | $328 | $650 | $574 | $34 | $172 | $1,758 | $147 |
| Tacoma X-Runner 2WD | $328 | $766 | $574 | $34 | $172 | $1,874 | $156 |
| Tacoma Double Cab 4WD | $370 | $650 | $574 | $34 | $172 | $1,800 | $150 |
| Tacoma Double Cab TRD Off-Road Package 4WD | $370 | $650 | $574 | $34 | $172 | $1,800 | $150 |
| Tacoma Double Cab TRD Sport Package 4WD | $370 | $650 | $574 | $34 | $172 | $1,800 | $150 |
| Get Your Own Custom Quote Go | |||||||
Data rating is based on single female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, multi-policy, safe-driver, and multi-vehicle. Rates do not factor in specific location which can alter prices greatly.
Determining which companies offer the best auto insurance rates for a Toyota Tacoma calls for a little more effort in order to find the lowest price. Every auto insurer uses their own calculation to determine rates, so let's take a look at the lowest cost auto insurance companies in Santa Ana, CA.
Lowest Insurance Price Quotes for Your Tacoma
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Wawanesa | $1,181 |
| 3 | Nationwide | $1,213 |
| 4 | Century National | $1,226 |
| 5 | CSAA | $1,234 |
| 6 | 21st Century | $1,325 |
| 7 | Grange | $1,447 |
| 8 | Progressive | $1,496 |
| 9 | Allstate | $1,513 |
| 10 | Mercury | $1,533 |
| 11 | GEICO | $1,575 |
| 12 | The Hartford | $1,591 |
| 13 | Allied | $1,603 |
| 14 | MetLife | $1,606 |
| 15 | State Farm | $1,682 |
| 16 | Unitrin | $1,682 |
| 17 | Esurance | $1,688 |
| 18 | Travelers | $1,806 |
| 19 | Bristol West | $1,831 |
| 20 | Farmers | $2,006 |
| Quote Your Rates Go | ||
USAA offers some of the best car insurance rates in Santa Ana at around $1,109 per year. This is $542 less than the average premium paid by California drivers of $1,651. Wawanesa, Nationwide, Century National, and CSAA also are some of the lowest-priced Santa Ana, CA auto insurance companies.
In the above rates, if you buy coverage from Wawanesa and switched to USAA, you could see yearly savings of about $72. Drivers with Nationwide might save as much as $104 a year, and Century National insureds might reduce prices by as much as $117 a year.
To get a fast rate comparison, click here to start a quote or feel free to get quotes from the companies below.
It's important to note that these prices are averages for all drivers and vehicles in California and and are not figured with a specific vehicle garaging location for a Toyota Tacoma. So the company that fits you best may not even be in the list above. That illustrates why you need to get auto insurance quotes using your own driver and vehicle profiles.
Discounts on Santa Ana auto insurance
Car insurance companies that offer cheap quotes for a Toyota Tacoma may also give you discounts that could reduce prices by 40% or more if you are eligible for them. Popular auto insurance companies and a selection of discounts are outlined below.
- Farm Bureau discounts include driver training, youthful driver, renewal discount, 55 and retired, multi-vehicle, safe driver, and multi-policy.
- MetLife has savings for good student, multi-policy, claim-free, good driver, accident-free, and defensive driver.
- Progressive offers discounts for continuous coverage, good student, online signing, online quote discount, and multi-policy.
- AAA has discounts for good student, good driver, anti-theft, pay-in-full, and education and occupation.
- American Family may offer discounts for defensive driver, bundled insurance, multi-vehicle, good driver, TimeAway discount, good student, and air bags.
- GEICO may include discounts for anti-theft, multi-policy, anti-lock brakes, membership and employees, daytime running lights, defensive driver, and federal employee.
- State Farm may have discounts that include student away at school, Steer Clear safe driver discount, good driver, passive restraint, defensive driving training, and safe vehicle.
The information below illustrates the comparison of insurance costs with and without some available policy discounts. The costs are based on a male driver, no claims, a clean driving record, California state minimum liability limits, full coverage, 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 accident-free, claim-free, anti-theft, vehicle safety, multiple vehicle, and passive restraint discounts applied. When discounts are factored in, the average savings per year on auto insurance for a Toyota Tacoma is 28% or $695.
The chart below demonstrates how choosing different deductibles can influence premium costs when researching cheap insurance for a Toyota Tacoma. The data is based on a married male driver, comp and collision included, and no other discounts are factored in.
As shown above, a 40-year-old driver could reduce rates by $322 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $488 by switching to a $1,000 deductible. Young drivers, such as the 20-year-old example, can cut up to $1,062 annually by choosing larger deductibles on their policy. If you make the decision to raise deductibles, it will be important to have spare funds to offset the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
Bad driving habits will cost you more
The easiest method to maintain the cheapest auto insurance rates for a Tacoma is to pay attention while driving and avoid accidents and keep your driving record clean. The illustration below highlights how traffic violations and at-fault claims raise insurance rates for different age groups. The data is based on a married male driver, full physical damage coverage, $500 deductibles, and no discounts are taken into consideration.
The data in the chart shows the average cost of car insurance in Santa Ana per year with no accidents or violations is $2,134. Get two speeding tickets and the average cost hikes up to $2,943, an increase of $809 each year. Then throw in one accident along with the two speeding tickets and the annual cost of auto insurance for a Toyota Tacoma increases to an average of $3,747. That's an increase of $1,613, or $134 per month, just for being a less-than-perfect driver!