Buying cheaper car insurance for a Toyota Tacoma is fairly simple, but it depends on a fairly complex equation with a lot of factors such as how long your commute is, your credit score, and if you have a history of accidents. California drivers pay around $1,045 a year for Tacoma insurance, but that is a valuation calculated based on a 50-year-old married male driver with both comprehensive and collision coverage and $500 deductibles.
When making auto insurance estimates, the issue arises that you’re not a 50-year-old male, possibly single instead of married, or maybe you are just looking for cheap liability insurance. Each driver’s needs are different, and that demonstrates why the only real way to find the cheapest insurance price for your Toyota is to just take the time to compare rates yourself.
The trim level of your Toyota impacts price, so the price you pay to insure a Tacoma 2WD trim level will be $56 cheaper than the insurance cost for the more costly Tacoma Double Cab TRD Sport Package 4WD trim level, as shown in the prices below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tacoma 2WD | $188 | $394 | $424 | $26 | $126 | $1,158 | $97 |
| Tacoma 4WD | $216 | $324 | $424 | $26 | $126 | $1,116 | $93 |
| Tacoma Double Cab 4WD | $216 | $394 | $424 | $26 | $126 | $1,186 | $99 |
| Tacoma X-Runner 2WD | $216 | $464 | $424 | $26 | $126 | $1,256 | $105 |
| Tacoma Double Cab 4WD | $244 | $394 | $424 | $26 | $126 | $1,214 | $101 |
| Tacoma Double Cab TRD Off-Road Package 4WD | $244 | $394 | $424 | $26 | $126 | $1,214 | $101 |
| Tacoma Double Cab TRD Sport Package 4WD | $244 | $394 | $424 | $26 | $126 | $1,214 | $101 |
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Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, homeowner, and multi-vehicle. Premium amounts do not factor in your specific San Diego location which can decrease or increase coverage prices significantly.
California auto insurance companies ranked
Insuring your vehicle with the right company can be challenging considering how many different insurance companies sell coverage in San Diego. The company information listed below can help you select which insurers to look at comparing prices from.
The rankings below include large insurance companies, so smaller regional companies are not factored into this list. If you wish to compare prices and find the cheapest rates for a Toyota Tacoma, just click here.
Top 10 Major Auto Insurance Companies in San Diego Ranked by Claims Service
- AAA of Southern California
- State Farm
- Esurance
- AAA Insurance
- Progressive
- Liberty Mutual
- GEICO
- Allstate
- Titan Insurance
- The Hartford
Top 10 Major Auto Insurance Companies in San Diego Ranked by Customer Service
- AAA of Southern California
- GEICO
- State Farm
- The Hartford
- Mercury Insurance
- The General
- Progressive
- Allstate
- AAA Insurance
- American Family
The chart below shows how choosing a deductible can affect insurance rates when researching cheap insurance for a Toyota Tacoma. The premiums assume a single female driver, full coverage, and no discounts are factored in.
The chart above illustrates that a 30-year-old driver could lower their car insurance rates by $498 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $750 by using a $1,000 deductible. Young drivers, like the 20-year-old, can cut $1,098 each year by using a higher deductible.
When insureds make the decision to increase the deductibles on their policy, it is essential to have enough savings to cover the extra out-of-pocket expense. That is the one disadvantage of using higher deductibles.
What aren’t you shopping around?
California auto insurance rates are calculated based on many things that control the price of coverage. Simply improving your credit, buying another vehicle, or getting a DUI can cause premium changes that can now make some companies much cheaper than others. Not only that, but insurance companies file new California car insurance rates at least once a year in order to maintain liquidity for claims. Significantly higher claims may result in increased rates, while long-term profits can result in lower-priced Tacoma insurance rates.
To illustrate this example, the graph below shows which company has the cheapest car insurance in San Diego, CA for a 45-year-old male driver with no accidents, a clean driving record, and a good credit history. When quoting prices based on his personal risk profile, Wawanesa may offer the cheapest car insurance rates in San Diego at $1,171 annually. This is $480 less than the average premium paid by California drivers of $1,651. USAA, Century National, CSAA, and Nationwide are also included in the top five cheapest San Diego, CA auto insurance companies.
The example below compares rates after we give the driver from the first rate comparison an at-fault accident, poor credit, and a couple of points charged on his driving record. Since each company has their own formula to set their prices, getting updated rate quotes could now result in a different ranking of cheap San Diego auto insurance companies as shown below.
Mercury now has the cheapest auto insurance in San Diego with Grange, Progressive, Allstate, and Allied also being competitive. This demonstrates why it is critical to spend some time comparing rates to get the most economical insurance rates for a Toyota Tacoma.
Rates are determined by many things and can change substantially, so the lowest-price company the last time you shopped around may now be one of the more expensive options.
How to find the cheapest car insurance for a Toyota Tacoma
Below you’ll find many penny-pinching ideas that can help you locate lower-cost car insurance.
- Avoid accidents
- Drivers with good credit often pay less
- Save money by insuring your home and auto with the same company
- Too many claims can make car insurance unaffordable
- Avoid speeding and other traffic citations and pay less
- Raise comprehensive and collision coverage deductibles
- Keep rates low by comparing prices once a year
That last piece of advice is certainly vital, as we emphasized in the prior article. Car insurance prices can be changed at any time, so don’t be unwilling to switch to a new company if you find a better deal.
Loyalty to a specific company is fine, but is isn’t recommended if your bullheadedness ends up costing you hundreds of dollars a year. Now is a great time to shop around to find cheaper auto insurance for a Toyota Tacoma in San Diego.
If you aren’t sure which coverage to buy and prefer to have a little guidance when buying car insurance for a Toyota Tacoma, the agencies below are a good start to help you decide which coverages you need.
To find an agent close to where you live, click the button at the bottom of the list or click here to get price quotes now.
- Mike Davis – State Farm Insurance Agent
2254 Moore St #103 – San Diego, CA 92110 – (619) 295-8412 - Oversea Insurance Agency, Inc
1274 Scott St – San Diego, CA 92106 – (800) 266-2662 - Kevin Kane – State Farm Insurance Agent
3914 Murphy Canyon Rd a252 – San Diego, CA 92123 – (858) 514-0385 - AG Insurance Agency
11440 W Bernardo Ct #161 – San Diego, CA 92127 – (858) 431-9880