Who Has the Cheapest Insurance for a Toyota Tacoma in Washington?

Since we’re writing about auto insurance, the word cheap really shouldn’t be used anywhere in the article to describe car insurance prices. Sad but true, cheap car insurance for a Toyota Tacoma is pretty hard to find. Don’t let that bother you, though, because there may be ways you can still find insurance that fits into your budget.

The likelihood of finding the cheapest insurance for a Toyota Tacoma in Washington is contingent on a fairly complex equation with a lot of factors like whether you are a homeower, if you have ever had a coverage lapse, and blemishes on your driving record. Washington drivers pay on average $600 every 12 months for Tacoma insurance, but that policy rate is a projection based upon a 50-year-old married female driver who requires comprehensive and collision coverage and $1,000 deductibles.

The issue with using an average estimated rate is the likelihood you are not a 50-year-old female, single instead of married, or you need different deductibles. This shows why your best shot at finding cheap auto insurance rates for your Toyota is to compare as many rates as you can.

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The trim level of your Tacoma will influence the annual cost of coverage, so the price you will pay to insure a Tacoma 2WD will be $28 lower than the insurance cost for the higher-end Tacoma Double Cab TRD Sport Package 4WD version, as shown by the rates below.

Data based on married female driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Washington minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rates do not factor in Washington location which can impact rates significantly.

Finding decent, cost effective car insurance is not the easiest thing to accomplish, and figuring out which companies have the lowest-priced car insurance rates for a Toyota Tacoma may require even more diligence. Each insurance company has a unique approach to determine premium rates, so let’s begin by taking a look at the most budget-friendly car insurance companies in Washington.

It’s important that you understand Washington car insurance rates are determined by lots of factors which can substantially decrease or increase the cost of a policy. This price variability is why consumers need to compare as many rates as possible when trying to find the lowest auto insurance rates for a Toyota Tacoma. Insurance rates can be altered by many factors and can decrease or increase without notice, so the best option when you bought your policy may now be quite expensive.

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Capital quotes some of the best car insurance rates in Washington at around $777 a year. Grange, PEMCO, Nationwide, and Mutual Enumclaw also rank well as some of the most economical Washington car insurance companies.

As shown in the table above, if you are a policyholder with Nationwide and switched to Grange, you might realize an annual savings of approxmiately $152. Washington drivers with Mutual Enumclaw might save as much as $185 a year, and Travelers insureds might lower prices by up to $190 a year.

Be aware that those prices are averages for all drivers and vehicles in Washington and and are not calculated with a specific rate factor for a Toyota Tacoma. So the insurer that is most affordable for your situation may not even be shown in the company chart above. That is why you need to compare prices as often as possible using your own personalized driver profile and vehicle information.

Reckless driving habits raise Washington car insurance rates

The recommended way to earn the cheapest insurance for a Toyota Tacoma in Washington is to drive carefully and avoid traffic citations and accidents. The chart below demonstrates how citations and at-fault collisions can impact insurance rates for different categories of driver ages. The premium estimates are based on a married male driver, comp and collision included, $250 deductibles, and no discounts are factored in.

In the previous example, the average cost of auto insurance in Washington per year with a clean driving record and no accidents is $1,604. Get two speeding tickets and the average cost surges to $2,214, an increase of $610 each year. Now add two accidents along with the two speeding tickets and the annual cost of car insurance for a Toyota Tacoma increases to an average of $4,419. That’s an increase of $2,815, or $235 per month, just for a couple of infractions!

Types of discounts on Washington car insurance

Insurers that provide the cheapest insurance for a Toyota Tacoma in Washington could also offer discounts that may potentially lower prices by as much as 40% or more if you are eligible for them. Larger car insurance companies and a partial list of their discounts are outlined below.

The illustration below illustrates the comparison of premium costs with and without discounts being applied to the rates. The price estimates are based on a male driver, a clean driving record, no at-fault accidents, Washington state minimum liability limits, comprehensive and collision coverage, and $500 deductibles.

The first bar for each age group shows the price with no discounts. The second shows the rates with passive restraint, claim-free, accident-free, anti-theft, vehicle safety, and safe-driver discounts applied. When these discounts are applied, the the amount saved on car insurance for a Toyota Tacoma is % or $.

Who has the cheapest Toyota Tacoma insurance quotes?

Drivers have a lot of different ways to find lower-cost car insurance in Washington, but the most preferred are from a captive (or exclusive) agency such as Allstate or State Farm, an independent or non-exclusive agent, or direct online or over the phone from a company like Progressive or Geico.

They all have the same basic principle, but buyers should know the differences in how they work.

Independent agencies can place your business with multiple companies and can provide price quotes from each one. These types of agents are usually affiliated with several companies and can compare multiple rates, which may give you a better overall rate comparison. If they find a cheaper price, your policy can be moved which makes it simple for you.

A captive or exclusive agent is able to quote prices with a single insurance company, two of the more popular are Farmers Insurance or State Farm agents. Exclusive agents normally do not have the ability to provide multiple price quotes, so they have no alternatives for high prices.

The final way is buying direct, which means you do not use either of the other two types of agents and buy from a direct company like Geico or Progressive. This option may be a decent choice drivers who do not need complex risk management and have an above average understanding of how their policy works.

So what is the best way to find the cheapest insurance for a Toyota Tacoma in Washington? We wish we could say buying from a direct car insurance company results in the cheapest price since there is no middleman, but that is generally not the case. A good argument could also be made that going through an independent agent is the best way to save due to having more companies to select from, but again, that’s not a true statement. In the right set of circumstances, exclusive agencies have very competitive rates that other car insurance companies cannot touch.

Because it’s impossible to say who has the best car insurance rates, the guaranteed way to get the cheapest rates is to get rate quotes and compare. It takes a little work, but we recommend you get quotes from all three in order to find the best price. For a list of companies with some of the cheapest Washington car insurance rates, click here to view.

Find the cheapest insurance for a Toyota Tacoma in Washington

It is possible to find better rates, and here are some of the better money-saving ideas that can help Washington drivers locate low-cost coverage.

• Discounts for being claim-free can be substantial
• Do not get into accidents
• Increase your policy deductibles
• Maintain a clean driving record
• Maintaining good credit helps earn cheaper rates
• Buy your auto and home insurance from the same company and save
• Compare rates once a year for cheaper prices

The last suggestion is incredibly important, as was stressed in this article. Prices charged by car insurance companies can be adjusted at any time, so don’t be hesitant to buy a policy from a new company if you can save money.

Many consumers stick with the same company and that’s fine, but it isn’t a good idea if that loyalty results in overpaying lots of hard earned cash every month. Now is a great time to compare rates to find cheaper insurance for a Toyota Tacoma.