How Much are Insurance Quotes for a Toyota Tacoma in Arizona?

Buying affordable coverage for a Toyota Tacoma in Arizona depends on a fairly complex equation with a lot of factors such as the safety rating for your Tacoma, where you live, and your motor vehicle report. Arizona drivers on average pay approximately $1,020 every 12 months for Tacoma insurance, but that price is a valuation calculated based on a 50-year-old single male who needs comprehensive and collision coverage and $100 deductibles.

It’s more than likely that you are not 50 and maybe not even a male, married instead of single, or maybe your Tacoma is a different trim level than the example. Having what appears to be a very minor change in rating criteria can result in a massive change in quoted rates.

This shows why your best shot at finding the most affordable coverage for your Toyota is to put in the effort and compare rates.

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The trim level of your Tacoma can impact price, so the price to insure a Tacoma 2WD model will be $56 cheaper than the insurance cost for the more costly Tacoma Double Cab TRD Sport Package 4WD version, as shown by the rates below.

Price data assumes single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Arizona minimum liability limits. Discounts applied include safe-driver, multi-policy, homeowner, multi-vehicle, and claim-free. Price estimates do not factor in vehicle location which can increase or decrease auto insurance rates considerably.

Choosing the right company can be a challenge considering how many companies sell insurance in Arizona. The ranking information shown next can help you analyze which providers to look at purchasing a policy from. The rankings below include insurance companies that insure vehicles in the majority of U.S. states, so companies that only write business in Arizona or surrounding areas are not included in this list.

Top 10 Major Auto Insurers in Arizona Ranked by A.M. Best Rating

1. USAA – A++
2. Travelers – A++
3. State Farm – A++
4. GEICO – A++
5. Esurance – A+
6. Nationwide – A+
7. Allstate – A+
8. Mercury Insurance – A+
9. Progressive – A+
10. Titan Insurance – A+

Top Companies for Toyota Tacoma Insurance in Arizona

Should you buy full coverage?

Finding cheap insurance for a Toyota Tacoma in Arizona should be important to most people, and one of the easiest ways to find cheaper insurance is to only buy liability coverage. The illustration below shows the difference between auto insurance costs with liability coverage only compared to full coverage. The information is based on no claims or violations, $250 deductibles, single status, and no other discounts are factored in.

As an average, physical damage insurance costs an additional $1,998 per year more than just buying liability insurance. That is a large expense which might make you wonder when is the right time to remove full coverage. There is no definitive formula for excluding comp and collision coverage, but there is a general guideline. If the annual cost of your full coverage insurance is 10% or more of any settlement you would receive from your insurance company, then it might be time to consider dropping full coverage.

For example, let’s say your vehicle’s replacement value is $4,500 and you have $1,000 policy deductibles. If your vehicle is totaled, the most your company would pay you is $3,500 after paying the physical damage deductible. If it’s costing you more than $350 annually for your policy with full coverage, then it could be time to drop full coverage.

Impact of citations and accidents on Arizona insurance rates

The easiest way to receive good insurance rates for a Tacoma is to be a careful driver and not receive tickets or have accidents. The diagram below highlights how speeding tickets and at-fault fender-benders can raise insurance rates for different age groups of insureds. The premiums assume a married female driver, full coverage, $100 deductibles, and no discounts are factored in.

The data in the chart shows the average cost of car insurance per year with no accidents or violations is $1,610. Factor in two speeding tickets and the average cost swells to $2,294, an increase of $683 each year. Now add in one accident along with the two speeding tickets and the yearly cost of insurance for a Toyota Tacoma increases to an average of $2,972. That’s an increase of $1,361, or $113 per month, just for not driving responsibly!

Who is cheaper: Progressive, Geico, State Farm, or Allstate?

When comparing insurance for a Tacoma in Arizona, the four most popular companies are Progressive, Geico, State Farm, and Allstate. All of them offer physical damage and liability coverage, but each has somewhat different options that add value to each policy. The data below ranks pricing and service ratings, as well as optional policy coverages that are available from each company.