Who Has the Cheapest Austin Car Insurance for a Toyota Tacoma?

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Finding competitive coverage for a Toyota Tacoma is dependent upon a whole bunch of factors such as whether you are single or married, your credit status, and violations on your driving record. Texas drivers pay around $920 a year for Tacoma insurance, but that is a valuation calculated using a 50-year-old single female driver with both comprehensive and collision coverage and $1,000 deductibles.

But there is a good chance that you're not a 50-year-old female, maybe you are married instead of single, or maybe you need higher liability limits than the state minimum. Not every driver requires the same auto insurance coverages, so the way we recommend to find cheap car insurance rates for your Toyota is to do a thorough rate comparison.

Insure Your Toyota for Less

The trim level of your vehicle impacts the coverage cost, so the cost to insure a Tacoma 2WD trim level will be $40 cheaper than the cost to insure the more costly Tacoma Double Cab TRD Sport Package 4WD model, as shown in the table below.

Toyota Tacoma Insurance Rates in Austin, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $136 $306 $430 $26 $128 $1,026 $86
Tacoma 4WD $156 $252 $430 $26 $128 $992 $83
Tacoma Double Cab 4WD $156 $306 $430 $26 $128 $1,046 $87
Tacoma X-Runner 2WD $156 $360 $430 $26 $128 $1,100 $92
Tacoma Double Cab 4WD $176 $306 $430 $26 $128 $1,066 $89
Tacoma Double Cab TRD Off-Road Package 4WD $176 $306 $430 $26 $128 $1,066 $89
Tacoma Double Cab TRD Sport Package 4WD $176 $306 $430 $26 $128 $1,066 $89
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Table data assumes single female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Texas minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, claim-free, and homeowner. Price estimates do not factor in your specific Austin location which can raise or lower rates noticeably.

Buying low-priced car insurance is not most people's favorite thing to do, and figuring out which company offers the cheapest insurance rates for a Toyota Tacoma requires even more rate comparisons.

Each auto insurer uses their own formula to determine rates, so let's take a look at the most competitive insurance companies in Austin, TX. It's important that you understand Austin insurance rates are impacted by many factors which can substantially decrease or increase the cost of your policy. Improving your credit score, buying a higher-value vehicle, or having an accident can trigger rate changes resulting in some rates now being higher-priced than before.

Cheapest Insurance Rates for Your Tacoma

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Cheapest insurance companies in Texas
Rank Company Cost Per Year
1 Travelers $1,052
2 USAA $1,084
3 Texas Farm Bureau $1,247
4 Germania Mutual $1,294
5 Esurance $1,365
6 California Casualty $1,424
7 Mercury $1,476
8 State Farm $1,510
9 Nationwide $1,553
10 Safe Auto $1,597
11 Progressive $1,647
12 Allstate $1,701
13 Amica $1,775
14 GEICO $2,135
15 Home State $2,155
16 MetLife $2,183
17 Unitrin $2,241
18 Encompass $2,255
19 21st Century $2,494
20 Titan $2,646
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Travelers may have some of the cheapest car insurance rates in Austin at around $1,052 each year. USAA, Texas Farm Bureau, Germania Mutual, and Esurance also are some of the most economical Austin, TX auto insurance companies.

In the above example, if you are a customer of Germania Mutual and switched to USAA, you may realize a yearly price reduction of in the vicinity of $210. Customers with Esurance might save as much as $281 a year, and California Casualty policyholders might cut rates by $340 a year.

It's important to note that these premium estimates are averaged for all types of drivers and the different vehicles they drive and and are not figured with a vehicle location for a Toyota Tacoma. So the company that has the lowest price for you may not even be in the top 23 companies shown above. That point stresses why you need to compare rates from as many companies as possible using your own individual information.

Irresponsible driving raises your rates

The easiest way to earn the best insurance premiums for a Tacoma is to pay attention while driving and have a clean driving record. The information below highlights how traffic violations and at-fault accidents can increase yearly insurance costs for each different age category. Data assumes a single male driver, comp and collision included, $500 deductibles, and no discounts are taken into consideration.

In the previous example, the average cost of auto insurance in Texas per year with no accidents or violations is $2,085. Receive two speeding tickets and the average cost rises to $2,754, an increase of $669 each year. Then throw in one accident along with the two speeding tickets and the yearly cost of insurance for a Toyota Tacoma jumps again to an average of $3,440. That's an increase of $1,355, or $113 per month, just for not driving responsibly!

You may be paying too much for Tacoma insurance

Austin, TX insurance rates are determined by lots of factors which can substantially change the cost of coverage. Simply turning a year older, having a teen driver, or having an at-fault accident can cause premium changes resulting in some companies being cheaper than before. In addition, auto insurance companies amend pricing as needed to help ensure profitability. Heavy losses can result in higher prices, while a better claims history can produce cheaper Tacoma insurance rates.

The chart below analyzes the cheapest car insurance in Austin, TX for a 45-year-old male driver with no accidents, a clean driving record, and a good credit history. If we estimate prices based on his personal profile, Travelers may have the best car insurance rates in Austin at $1,116 each year. This is $788 less than the average premium paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are also on the list of the cheapest Austin, TX auto insurance companies.

Now we will pretend the driver in the first chart an accident surcharge, a lower credit score, and a speeding citation. Because each insurer has a unique approach to set policy rates, comparing quotes could result in a different set of companies as shown below.

State Farm now has the best auto insurance rate in Austin with Mercury, Nationwide, USAA, and Safe Auto now rounding out the top five. This example demonstrates why it is critical to take the time to shop around when trying to find the most affordable insurance quotes for a Toyota Tacoma. Rates are influenced by many things and can decrease or increase without notice, so the best price the last time you shopped your coverage around may now cost much more than other companies.

If you like to have professional advice when trying to find the best insurance rates for a Tacoma, the insurance agencies below are a good start to provide answers to your questions and help you determine which policy is best. To find an agent close to you, click the link at the bottom.

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How to find economical car insurance for a Toyota Tacoma

The list below summarizes many penny-pinching suggestions that can help you buy more affordable coverage.

The last item on the list is highly necessary, as was discussed in the prior information. Coverage rates in Austin can change in a short period of time, so drivers shouldn't be reluctant to buy a different policy if a cheaper price is available. Brand loyalty is great, but it's not a great idea if your bullheadedness ends up costing you lots of hard earned cash every month. In less than five minutes you could compare rates and find cheaper insurance for a Toyota Tacoma.