Cheap Insurance Quotes for a Toyota Tacoma in California

The chances of buying the best cheap insurance for a Toyota Tacoma in California depends on an enormous amount of factors like driver age, the condition of your credit, and deductible levels for physical damage coverage. California drivers on average will pay $1,490 annually to insure a Tacoma, but that policy rate is an estimation based on cost data for a 30-year-old single female driver who needs full coverage and $500 deductibles.

That rate won’t apply to everyone, because more than likely you are not 30 and possibly not even female, you might be married instead of single, and there is a good chance that you need different coverage limits than the exampe. Having even a minor difference in rating criteria can make a big difference in the policy cost.

This demonstrates why the only real way to find the cheapest coverage for your Toyota is to regularly compare rates at renewal.

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Your vehicle’s trim level tends to impact price, so the rate you pay to insure a Tacoma 2WD model will be $80 cheaper than the insurance cost for the fancier Tacoma Double Cab TRD Sport Package 4WD version, as shown in the prices below.

Cost estimates assume single female driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Price information does not factor in California location which can alter auto insurance rates noticeably.

Deciphering which companies have the lowest-priced car insurance rates for a Toyota Tacoma involves a bit more effort in order to find coverage that fits your buget.

Every insurance company has their own guidelines to set premium rates, so to begin we’ll rank the car insurance companies that tend to be cheaper in California. It’s important to understand that California car insurance rates are impacted by many factors which can significantly increase or decrease the price you have to pay for coverage. Simply turning a year older, having a claim, or getting a DUI can trigger rate changes that can now make some companies more affordable than others.

Lowest Insurance Price Quotes for Your Tacoma

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Wawanesa has some of the cheapest car insurance rates in California at around $1,146 a year. USAA, Century National, Nationwide, and CSAA would also make the list of some of the more affordable California insurance companies.

As shown in the rates above, if you are a customer of Nationwide and switched to Wawanesa, you may see yearly savings of about $80. Customers with CSAA might save as much as $88 a year, and 21st Century customers might lower prices by up to $179 a year.

Bear in mind that those rates are averages across all types of insureds and vehicles and do not take into consideration a specific rate factor for a Toyota Tacoma. So the auto insurance company that can offer the best rates for your situation may not even be featured in the company chart above. That is why you need to get auto insurance quotes using your own driver data and vehicle information.

Drive safe and save

In a perfect world, the ideal way to find low car insurance prices in California for a Tacoma is to be a careful driver and avoid traffic citations and accidents. The example below demonstrates how traffic citations and at-fault accidents influence annual premium costs for different insured age categories. The data is based on a single female driver, full coverage, $1,000 deductibles, and no discounts are taken into consideration.

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The chart shows that the average cost of auto insurance in California per year with no accidents and a clean driving record is $1,979. Get written up for two speeding tickets and the average cost hikes up to $2,630, an increase of $651 each year. Then add one accident along with the two speeding tickets and the annual cost of car insurance for a Toyota Tacoma goes up to an average of $3,287. That’s an increase of $1,308, or $109 per month, just for not being a responsible driver!

Is the best company State Farm, Progressive, Allstate, or Geico?

When comparing rates for auto insurance, four of the best places to start are State Farm, Progressive, Allstate, and Geico. Combined they insure about half of all car insurance policies written. All of them offer liability and physical damage protection, but each on has a distinct set of features and optional coverages that may steer you one way or another. The next table compares and contrasts some of the different options that are available for policyholders.

How to find economical insurance for a Toyota Tacoma

Below you’ll find a few thrifty suggestions that can help California drivers locate cheaper coverage.

• If your vehicles are older, consider dropping full coverage
• Too many claims can make car insurance unaffordable
• Raise comprehensive and collision coverage deductibles
• Avoid at-fault accidents and claims
• Drive safely
• Shop around for cheaper prices

That last idea is certainly critical, as was affirmed in the prior information. Prices charged by auto insurers can change considerably in a year, so don’t hesitate to change insurance companies if a lower-cost policy is available. Being loyal to a particular company is commendable, but we do not recommend it if that stubbornness costs you several hundred dollars every year. In less than five minutes you could shop around to find cheaper auto insurance for a Toyota Tacoma.