Buying affordable auto insurance for a Toyota Tacoma in Arizona is pretty straightforward, but it is dependent upon many different factors such as how long your commute is, your occupation, and if you have a history of accidents. Drivers pay on average $802 annually for Tacoma insurance, but that figure is a projection using a 30-year-old married male driver with full physical damage coverage and $500 deductibles.
It’s more than likely you may not be 30 years old (or even male), maybe you are single instead of married, or maybe you just want liability only instead of full coverage. Having the smallest difference in rating factors or requested coverage amount can result in a large change in the policy rate.
Car insurance coverage is unique to each driver, so this is why the only real way to find cheap car insurance rates for your Toyota is to just take the time to compare rates yourself.
The trim level of your Toyota can impact price, so the price to insure a Tacoma 2WD trim level will be $48 cheaper than the insurance cost for the higher-priced Tacoma Double Cab TRD Sport Package 4WD trim level, as shown in the table below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tacoma 2WD | $164 | $314 | $300 | $18 | $90 | $886 | $74 |
| Tacoma 4WD | $188 | $258 | $300 | $18 | $90 | $854 | $71 |
| Tacoma Double Cab 4WD | $188 | $314 | $300 | $18 | $90 | $910 | $76 |
| Tacoma X-Runner 2WD | $188 | $370 | $300 | $18 | $90 | $966 | $81 |
| Tacoma Double Cab 4WD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Tacoma Double Cab TRD Off-Road Package 4WD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Tacoma Double Cab TRD Sport Package 4WD | $212 | $314 | $300 | $18 | $90 | $934 | $78 |
| Get Your Own Custom Quote Go | |||||||
Data based on married male driver age 30, no speeding tickets, no at-fault accidents, $500 deductibles, and Arizona minimum liability limits. Discounts applied include multi-policy, safe-driver, homeowner, claim-free, and multi-vehicle. Price estimates do not factor in specific location information which can change prices significantly.
Establishing which insurers offer the best insurance rates for a Toyota Tacoma involves more time in order to find coverage that fits your budget. Every insurance provider has a proprietary method to determine premium rates, so let’s examine the insurance companies with the overall best prices in Chandler, AZ.
It’s important to understand that Chandler insurance rates are based on many factors that control your annual premium. Simply improving your credit, buying a home, or having a fender bender can trigger changes in premium resulting in some companies being cheaper in comparison to the competition.
Lowest Insurance Price Quotes for Your Tacoma
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | The Hartford | $845 |
| 2 | Safeco | $896 |
| 3 | Auto-Owners | $924 |
| 4 | USAA | $1,080 |
| 5 | Travelers | $1,086 |
| 6 | GEICO | $1,142 |
| 7 | Progressive | $1,164 |
| 8 | Ameriprise Group | $1,184 |
| 9 | CSAA | $1,189 |
| 10 | Allied | $1,245 |
| 11 | Farm Bureau Mutual | $1,247 |
| 12 | Safe Auto | $1,336 |
| 13 | State Farm | $1,337 |
| 14 | Unitrin | $1,343 |
| 15 | Farmers | $1,350 |
| 16 | Titan | $1,418 |
| 17 | American Family | $1,435 |
| 18 | Amica | $1,487 |
| 19 | California Casualty | $1,522 |
| 20 | MetLife | $1,551 |
| View More Rates Go | ||
The Hartford has some of the cheapest car insurance rates in Chandler at around $845 a year. This is $583 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers also qualify as some of the cheapest Chandler, AZ insurance companies.
As shown in the table above, if you have coverage with Travelers and switched to Safeco, you could earn an annual premium reduction of in the neighborhood of $190. Insureds with GEICO could save as much as $246 a year, and Progressive customers might lower prices by $268 a year.
Remember that these premium estimates are averages for all drivers and vehicles and do not factor in a specific zip code for a Toyota Tacoma. So the insurer that fits your age and vehicle best may not even be in the list above. That affirms the importance of why you need to compare rates from as many companies as possible using your own driver information and specific vehicle type.
The chart below illustrates how your choice of deductibles can influence insurance premiums when getting quotes for cheap insurance for a Toyota Tacoma. The data is based on a single male driver, full physical damage coverage, and no discounts are factored in.
A 40-year-old driver could pocket $284 a year by switching from a $100 deductible to a $500 deductible, or save $428 by switching to a $1,000 deductible. Even younger drivers, like the 20-year-old, could potentially save up to $948 every year by choosing a larger deductible amount.
When choosing a higher deductible, it is essential to have enough in a savings account to satisfy the extra out-of-pocket expense, which is the main inconvenience of larger deductibles.
Shop around and save
Arizona insurance rates are calculated based on many things that control the price you have to pay. Simply having another birthday, buying a home, or getting into an accident can trigger changes in premium resulting in some companies being more affordable than before.
Not only may your risk profile change, but auto insurance companies change prices every year to help ensure profitability. A period of higher than normal claims can result in a rate increase, while better underwriting may cause lower-priced Tacoma insurance rates.
For instance, the data below compares the cheapest car insurance in Chandler, AZ for a 35-year-old female driver with no accidents or violations, and a good credit history. Based on her current rating profile, The Hartford may offer the best car insurance rates in Chandler at $1,083 annually. This is $345 less than the average premium paid by Arizona drivers of $1,428. Safeco, Auto-Owners, USAA, and Travelers also make the list of the cheapest Chandler, AZ auto insurance companies.
Now we will pretend the driver in the first chart an accident claim, bad credit, and a traffic ticket or two. Since each company has their own formula for determining rates, comparing insurance quotes could result in a different list of the cheapest Chandler car insurance companies as shown below.
Progressive now has the cheapest car insurance in Chandler, AZ with Ameriprise Group, CSAA, Allied, and Auto-Owners completing the list. This example shows why it is crucial to compare lots of rates when trying to find the best auto insurance rates for a Toyota Tacoma.
Insurance prices can be altered by many factors and can change without notice, so the best company two years ago may now be one of the more expensive options.