Finding cheaper car insurance for a Toyota Tacoma in Arizona is pretty easy for most people to do, but it depends on many rating factors such as when you were born, the likelihood of your vehicle being stolen, and any past driving violations you may have had. Drivers in Arizona pay on average $914 each year for Tacoma insurance, but that amount is an approximation using a 40-year-old single male driver with both comprehensive and collision coverage and $500 deductibles.
When projecting a rate like this, the problem is that you’re not a 40-year-old male, maybe you are married instead of single, or maybe you just want liability only. Having the smallest difference in rating criteria or coverage limits can make a large difference in how much insurance for a Toyota Tacoma costs.
Auto insurance requires individual risk assessment, so the best method for finding the most affordable coverage for your Toyota is to just compare rates yourself. Get your free quotes now and you will get price quotes from top-rated companies that insure Toyota vehicles in Arizona.
The specific model of Tacoma has an effect on the cost of coverage, so the price you will be charged to insure a Tacoma 2WD trim level will be $48 less than the insurance cost for the fancier 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 | $160 | $362 | $362 | $22 | $108 | $1,014 | $85 |
| Tacoma 4WD | $184 | $298 | $362 | $22 | $108 | $974 | $81 |
| Tacoma Double Cab 4WD | $184 | $362 | $362 | $22 | $108 | $1,038 | $87 |
| Tacoma X-Runner 2WD | $184 | $426 | $362 | $22 | $108 | $1,102 | $92 |
| Tacoma Double Cab 4WD | $208 | $362 | $362 | $22 | $108 | $1,062 | $89 |
| Tacoma Double Cab TRD Off-Road Package 4WD | $208 | $362 | $362 | $22 | $108 | $1,062 | $89 |
| Tacoma Double Cab TRD Sport Package 4WD | $208 | $362 | $362 | $22 | $108 | $1,062 | $89 |
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Premium amounts do not factor in specific location which can increase or decrease coverage prices considerably.
Finding reliable, low-cost insurance is hard enough, and figuring out which company quotes the cheapest auto insurance rates for a Toyota Tacoma will involve more quotes for comparison.
Every car insurance company uses slightly different criteria for determining rates in each state, so let’s take a look at the auto insurance companies with the overall cheapest rates in Mesa, AZ. It’s a good idea to be aware that Mesa, AZ auto insurance rates are determined by lots of factors that control the cost of having a policy. Turning one year older, buying another vehicle, or getting a ticket for careless driving can trigger price changes resulting in some companies being much higher than others.
Cheapest Insurance Rates for Your Tacoma
The Hartford quotes some of the cheapest car insurance rates in Mesa at around $836 a year. Auto-Owners, Safeco, Travelers, and USAA also make the cut as some of the best Mesa, AZ car insurance companies.
As illustrated above, if you currently have a policy with Auto-Owners and switched to The Hartford, you could earn a yearly price reduction of in the vicinity of $61. Policyholders with Safeco could save as much as $87 a year, and Travelers policyholders might lower prices by $272 a year.
It’s important to note that these estimates are averages for all types of drivers and the different vehicles they drive and do not factor in a specific vehicle garaging location for a Toyota Tacoma. So the auto insurance company that fits your situation best may not even be in the top 28 companies shown above. That helps illustrate why you need to compare as many prices as possible using your own personal information and vehicle type.
The diagram below shows how choosing a deductible can affect insurance costs when searching for cheap insurance for a Toyota Tacoma. Data assumes a single female driver, full physical damage coverage, and no other discounts are factored in.
As shown above, a 30-year-old driver could reduce rates by $326 a year by switching from a $100 deductible to a $500 deductible, or save $492 by switching to a $1,000 deductible. Youthful drivers, like the Age 20 category, could roll back prices up to $724 annually by using a higher deductible. When using a larger deductible, it will be necessary to have enough savings to satisfy the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.
Here’s why you should shop around
Mesa, AZ auto insurance rates are impacted by many factors that control your annual premium. Simply having a birthday, having a teenage driver, or getting a DUI can trigger changes in premium that can cause some rates to be more affordable than others.
Not only that, but car insurance companies change their prices as needed to ensure their profitability. An unexpected high level of claims can cause rate hikes, while better underwriting may produce cheaper Tacoma insurance rates.
For example, the bar chart below shows the companies that have the cheapest car insurance in Mesa, AZ for a 30-year-old male driver with no prior accidents, a clean driving record, and a decent credit rating. When comparing rates based on his personal risk profile, The Hartford offers the lowest car insurance rates in Mesa at $1,148 a year. This is $280 less than the average rate paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers round out the rest of the most affordable Mesa, AZ auto insurance companies.
In this next rate comparison, we will give the driver from above a claim surcharge, bad credit, and a speeding ticket. Due to the fact that each insurance company uses a different method for setting rates, analyzing rate quotes may now result in a slightly different list of the cheapest Mesa car insurance companies as shown below.
Progressive now has the cheapest insurance rate in Mesa, AZ with Ameriprise Group, CSAA, Allied, and Safeco now rounding out the top five. This example illustrates why consumers need to compare many different companies to find the best auto insurance quotes for a Toyota Tacoma. Auto insurance prices are determined by many risk factors and change dramatically, so the best company six months ago may now not even be in the top five.
How to find cheaper car insurance for a Toyota Tacoma
The list below details some of the better penny-pinching suggestions that can help you find cheap car insurance.
- Prevent price hikes by avoiding at-fault accidents
- Do not pay for full coverage on older vehicles
- Speeding tickets and other violations increase rates
- Increase your policy deductibles
- Frequent claims may make car insurance unaffordable
- Ensure you have the best deal by shopping around regularly
The final tip is very necessary, as we emphasized in the prior information. Rates in Mesa go up and down frequently, so don’t be hesitant to change to a new company if a lower-cost policy is available. Many drivers prefer to stick with one company, but it isn’t a good idea if your bullheadedness ends up costing you a small fortune year after year. In just a couple of minutes you could shop around and find cheaper auto insurance for a Toyota Tacoma.