Finding affordable car insurance for a Toyota Tacoma is fairly simple, but it hinges on lots of different factors such as whether you use your Tacoma for business use, if you have a tendency to file claims, and your choice of physical damage deductibles. Drivers pay approximately $755 annually to insure their Tacoma, but that is an estimate based upon a 50-year-old single male driver with full comprehensive and collision coverage and $1,000 deductibles.
Most likely you may not be 50 years old (or even male), married instead of single, and you may just want the cheapest liability coverage you can find. Even a slight change in the rating criteria used to formulate rates may result in significant differences in the amount insurance costs for a Toyota Tacoma.
Each driver’s needs are different, and that demonstrates why the only way to find the cheapest rates for your Toyota is to compare as many rates as you can. It takes less than five minutes and you will be able to compare rates from top-rated companies around.
The specific model of Tacoma has an effect on the annual cost of coverage, so the price to insure a Tacoma 2WD trim level will be $32 lower than the insurance cost for the more well-appointed 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 Double Cab 4WD||$126||$260||$348||$20||$104||$858||$72|
|Tacoma X-Runner 2WD||$126||$306||$348||$20||$104||$904||$75|
|Tacoma Double Cab 4WD||$142||$260||$348||$20||$104||$874||$73|
|Tacoma Double Cab TRD Off-Road Package 4WD||$142||$260||$348||$20||$104||$874||$73|
|Tacoma Double Cab TRD Sport Package 4WD||$142||$260||$348||$20||$104||$874||$73|
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Table data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Nevada minimum liability limits. Discounts applied include multi-policy, multi-vehicle, claim-free, safe-driver, and homeowner. Price information does not factor in zip code location which can influence premium rates noticeably.
Buying coverage from a high-quality insurer is hard considering how many companies provide coverage in Henderson. The rank data shown below could help you choose which providers you want to consider when trying to find the cheapest insurance for a Toyota Tacoma. The rankings below are for insurance companies that insure vehicles in the majority of U.S. states, so smaller companies that only insure vehicles in Nevada are not included in these rankings.
Top 10 Large Auto Insurers in Henderson Ranked by Customer Service
- State Farm
- The Hartford
- Mercury Insurance
- The General
- AAA Insurance
- American Family
Top 10 Large Auto Insurers in Henderson Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- GEICO – A++
- State Farm – A++
- The Hartford – A+
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Titan Insurance – A+
How to get discounts on Henderson car insurance rates
Insurance companies that provide policies for a Toyota Tacoma may provide price discounts that could potentially reduce rates by as much as 35% if you meet eligibility requirements. Large insurance companies and their offered discounts are:
- Progressive includes discounts for multi-vehicle, multi-policy, online quote discount, online signing, good student, homeowner, and continuous coverage.
- Farmers Insurance may include discounts for business and professional, distant student, youthful driver, mature driver, multi-car, homeowner, and bundle discounts.
- Farm Bureau has savings for 55 and retired, driver training, multi-policy, safe driver, good student, youthful driver, and multi-vehicle.
- State Farm offers discounts including good driver, defensive driving training, anti-theft, multiple policy, and student away at school.
- GEICO discounts include good student, membership and employees, air bags, emergency military deployment, five-year accident-free, and seat belt use.
- SAFECO offers premium reductions for safe driver, drive less, bundle discounts, accident prevention training, and anti-lock brakes.
- Liberty Mutual has discounts for preferred payment discount, teen driver discount, multi-policy, safety features, new move discount, and newly married.
The chart below shows the difference between insurance costs with and without discounts being applied to the rates. The rates are based on a male driver, no driving violations, no at-fault accidents, Nevada state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with accident-free, defensive driving course, safe-driver, marriage, multiple policy, and homeowner discounts applied. When these discounts are applied, theamount saved on insurance for a Toyota Tacoma is 28% or $447.
Low rates can quickly become overpriced
Henderson insurance rates are influenced by many factors which can significantly increase or decrease the price you pay. Getting older, increasing liability limits, or getting caught speeding can cause premium changes that can cause some rates to be cheaper than competitors.
Not only may your situation change, but car insurance companies change prices every year or even multiple times each year to ensure their profitability. Higher than normal claims can cause higher priced premiums, while less frequent claims may cause lower-cost Tacoma insurance rates.
The chart below shows which company has the cheapest car insurance in Henderson, NV for a 45-year-old female driver with no violations or accidents, and good credit. If we estimate prices based on her current situation, Travelers quotes the best car insurance rates in Henderson at $1,439 per year. This is $135 less than the average premium paid by Nevada drivers of $1,574. Allied, Capital, Oregon Mutual, and American Family round out the rest of the cheapest Henderson, NV auto insurance companies.
The chart below compares rates after we give the driver from the first rate comparison an at-fault accident, less-than-perfect credit, and a speeding ticket. Since each auto insurer has their own process for filing rates in each state, comparing rates may now result in a slightly different list of companies as shown below.
Allied now has the cheapest price in Henderson with GEICO, Nationwide, USAA, and Safeco now being in the top five. This shows why Henderson drivers need to do a thorough rate comparison to get the most economical auto insurance rates for a Toyota Tacoma.
Car insurance prices are determined by many different factors and change substantially, so the cheapest company a year ago may now be wasting a lot of money.
If you have coverage questions and would like to have a professional recommendation when trying to find the best insurance rates for a Toyota Tacoma, the professional agents shown below can probably help you make a decision which auto insurance policy fits you best. To locate a Henderson car insurance agency using an interactive map, click the button link following the list or click here to compare rates now.
- Farmers Insurance – Christopher Sutter
11201 S Eastern Ave #110 – Henderson, NV 89052 – (702) 260-8589
- Allstate Insurance: Helene Karp
305 N Pecos Rd c – Henderson, NV 89074 – (702) 436-0200
- Sam King – State Farm Insurance Agent
2253 N Green Valley Pkwy – Henderson, NV 89014 – (702) 435-0222
- Allstate Insurance: Conner Family and Associates, LLC
30 S Water St a – Henderson, NV 89015 – (702) 564-0665
- Safeco Insurance
2736 Marie Antoinette St – Henderson, NV 89044 – (866) 694-9046