Finding the cheapest auto insurance for a Toyota Tacoma doesn’t take a lot of effort, but it relies on a whole bunch of factors such as miles driven annually, the performance level of your vehicle, and driving violations and tickets. Drivers pay approximately $797 per year for Tacoma insurance, but that is an estimation based upon a 50-year-old married male driver with both comprehensive and collision coverage and $250 deductibles.
Odds are that you may not be 50 years old (or even male), possibly single instead of married, and you don’t want the same coverages and limits as the example. Even a minor difference in rating criteria or coverage limits can make a big difference in the policy cost.
Different coverage needs are the reason why the best method for finding cheap insurance prices for your Toyota is to do a thorough rate comparison.
The specific trim level can impact the coverage cost, so the price you pay to insure a Tacoma 2WD will cost $46 less than the cost to insure the more costly Tacoma Double Cab TRD Sport Package 4WD trim level, as demonstrated by the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tacoma Double Cab 4WD||$180||$332||$288||$18||$86||$904||$75|
|Tacoma X-Runner 2WD||$180||$390||$288||$18||$86||$962||$80|
|Tacoma Double Cab 4WD||$204||$332||$288||$18||$86||$928||$77|
|Tacoma Double Cab TRD Off-Road Package 4WD||$204||$332||$288||$18||$86||$928||$77|
|Tacoma Double Cab TRD Sport Package 4WD||$204||$332||$288||$18||$86||$928||$77|
|Get Your Own Custom Quote Go|
Data assumes married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, homeowner, claim-free, safe-driver, and multi-vehicle. Price information does not factor in the specific area where the vehicle is garaged which can increase or decrease rates noticeably.
Finding a high-quality insurance provider can be difficult considering how many different companies sell coverage in Scottsdale. The ranking information in the lists below can help you choose which car insurance providers to look at when comparing auto insurance rates for a Toyota Tacoma. These ratings only include large, nationwide insurance companies, so companies that only write business in Arizona or surrounding areas are not factored into this list.
Top 10 Major Auto Insurance Providers Overall in Scottsdale
- American Family
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
- Mercury Insurance
Top 10 Major Auto Insurance Providers in Scottsdale 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+
Careless driving habits raise Scottsdale auto insurance rates
The easiest method to find low auto insurance rates for a Tacoma is to drive safe and not have accidents or get tickets. The information below shows how traffic citations and at-fault accidents can raise insurance costs for different age categories. The rates are based on a single female driver, comp and collision included, $500 deductibles, and no other discounts are factored in.
The data charted above shows the average cost of an auto insurance policy in Scottsdale per year with no accidents or violations is $1,500. Get written up for one speeding ticket and the average cost hikes up to $1,701, an increase of $201 each year. Now add one accident along with the one speeding ticket and the yearly cost of auto insurance for a Toyota Tacoma increases to an average of $2,251. That’s an increase of $751, or $63 per month, just for being a less-than-perfect driver!
The illustration below demonstrates how deductibles can influence insurance prices when searching for cheap insurance for a Toyota Tacoma. The price estimates are based on a married male driver, comprehensive and collision coverage, and no additional discounts are factored in.
In the chart above, a 50-year-old driver could reduce rates by $250 a year by increasing from a $100 deductible to a $500 deductible, or save $378 by changing to a $1,000 deductible. Younger drivers, such as the Age 20 example, could lower their rates $834 annually by using higher deductibles when buying full coverage.
When choosing a higher deductible, it will now be necessary to have emergency funds available to satisfy the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Why you should shop around for Tacoma insurance
Scottsdale, AZ auto insurance rates are impacted by many factors which can significantly increase or decrease your annual premium. Simply having another birthday, increasing liability limits, or getting a ticket for careless driving can trigger rate changes that can now make some companies cheaper than before.
And not only may your rating factors change, but insurers change prices multiple times each year in order to be able to pay unexpected claims. A period of increased losses may result in additional premium costs, while lower claim expenses may produce lower-cost Tacoma insurance rates.
For example, the bar chart below shows rates for the cheapest car insurance in Scottsdale, AZ for a 40-year-old male driver with a clear driving record, no claims, and solid credit. When comparing rates based on his personal profile, The Hartford quotes the most affordable car insurance rates in Scottsdale at $1,127 each year. This is $301 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers are also on the list of the top five cheapest Scottsdale, AZ auto insurance companies.
The chart below compares rates after we give the driver from the first rate comparison an accident surcharge, poor credit, and a traffic ticket or two. Since every car insurance company has a different formula for filing rates in each state, comparing rates will most likely result in a slightly different list of the cheapest car insurance companies in Scottsdale as shown below.
GEICO now has the cheapest car insurance in Scottsdale, AZ with CSAA, Ameriprise Group, Allied, and Safeco completing the list. This example proves why consumers need to spend some time comparing rates to find the most economical insurance rates for a Toyota Tacoma.
Insurance rates are determined by many risk factors and can change without notice, so the best option the last time you shopped around may now be wasting a lot of money.
How to find the cheapest auto insurance for a Toyota Tacoma
It is possible to find better rates, and here are many penny-pinching suggestions that can help Arizona drivers find lower-cost coverage.
- Avoid accidents and claims
- Raise physical damage deductibles
- Ensure your driving record is clean
- Drop full coverage on older vehicles
- Higher credit ratings may save you money
- Buy a car with high safety ratings
- Keep rates low by comparing prices once a year
That last piece of advice is incredibly crucial, as was stressed in this piece. Insurance prices fluctuate considerably, so you should be ready to change insurance companies if you find a cheaper price. Brand loyalty is not necessarily bad, but it’s not a great idea if that stubbornness costs you money that could be going to better use. Take a couple minutes and shop around and find cheaper insurance for a Toyota Tacoma in Scottsdale.
The professional agents shown below can most likely help you make a decision which auto insurance coverages would be the best in your situation, since lots of drivers aren’t clear which coverage they need and would like to have some professional guidance when shopping for the best coverage for a Toyota Tacoma. It’s not always simple to find the best policy on your own, so getting advice from a licensed agent can provide satisfaction knowing your coverage gives you sufficient coverage at claim time. To locate a Scottsdale insurance agent near you, click the link after the list.
Steve Fair – State Farm Insurance Agent
33717 N Scottsdale Rd #101 – Scottsdale, AZ 85266 – (480) 563-2710
Diemer Insurance Agency Inc
16050 N 76th St – Scottsdale, AZ 85260 – (480) 264-2854
Scottsdale Insurance Home
20875 N Pima Rd – Scottsdale, AZ 85255 – (480) 712-0400
Arizona Western Insurance Services
13951 N Scottsdale Rd # 234 – Scottsdale, AZ 85254 – (480) 483-3311
Mike Bucca – State Farm Insurance Agent
7336 E Deer Valley Rd #105 – Scottsdale, AZ 85255 – (480) 585-3665