Buying cheap car insurance for a Toyota Tacoma doesn’t take too much effort, but it hinges on a whole bunch of factors such as how long your commute is, whether or not you have prior claims, and any prior driving offenses. Nebraska drivers will pay on average $902 a year for Tacoma insurance, but that cost is an estimate calculated based on a 30-year-old married female driver with full comprehensive and collision coverage and $250 deductibles.
The problem with using this number is the good chance you may not be 30 years old (or even female), possibly single instead of married, and you may just want the cheapest liability coverage you can find. This demonstrates why the best way to find the cheapest rates for your Toyota is to just compare rates yourself.
Cheapest Toyota Tacoma Insurance Rates
Vehicle trim level tends to impact price, so the price you pay to insure a Tacoma 2WD model will be $58 less expensive the price to insure the more expensive 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 | $196 | $382 | $306 | $18 | $92 | $994 | $83 |
| Tacoma 4WD | $224 | $314 | $306 | $18 | $92 | $954 | $80 |
| Tacoma Double Cab 4WD | $224 | $382 | $306 | $18 | $92 | $1,022 | $85 |
| Tacoma X-Runner 2WD | $224 | $450 | $306 | $18 | $92 | $1,090 | $91 |
| Tacoma Double Cab 4WD | $254 | $382 | $306 | $18 | $92 | $1,052 | $88 |
| Tacoma Double Cab TRD Off-Road Package 4WD | $254 | $382 | $306 | $18 | $92 | $1,052 | $88 |
| Tacoma Double Cab TRD Sport Package 4WD | $254 | $382 | $306 | $18 | $92 | $1,052 | $88 |
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Data assumes married female driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and Nebraska minimum liability limits. Discounts applied include homeowner, multi-vehicle, multi-policy, safe-driver, and claim-free. Estimates do not factor in specific location which can decrease or increase rates noticeably.
Nebraska auto insurance companies ranked
Choosing the top auto insurance company is hard considering how many companies sell coverage in Omaha. The company rank data displayed below may help you select which car insurance providers you want to consider when buying insurance for a Toyota Tacoma. The ratings below include companies who write in the majority of U.S. states, so companies that focus mainly on Nebraska business will not be included in this list.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 99 | 100 | 90 | 92% | A++ | 97.4 |
| 21st Century | 89 | 86 | 100 | 88% | A | 92.7 |
| GEICO | 97 | 91 | 88 | 85% | A++ | 92.5 |
| Nationwide | 88 | 94 | 91 | 88% | A+ | 91.3 |
| AAA Insurance | 93 | 87 | 88 | 87% | A | 90.8 |
| Liberty Mutual | 91 | 91 | 92 | 87% | A | 90.7 |
| Safeco Insurance | 90 | 93 | 88 | 86% | A | 90.2 |
| State Farm | 91 | 94 | 80 | 88% | A++ | 90.2 |
| Travelers | 89 | 91 | 94 | 79% | A++ | 90.1 |
| American Family | 88 | 92 | 83 | 88% | A | 89.4 |
| Allstate | 90 | 90 | 84 | 85% | A+ | 89.1 |
| Progressive | 83 | 85 | 99 | 87% | A+ | 88.7 |
| The Hartford | 87 | 89 | 84 | 87% | A+ | 88 |
| Esurance | 84 | 88 | 85 | 83% | A+ | 86 |
| Farmers Insurance | 79 | 88 | 84 | 87% | A | 84.7 |
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Data Source: Insure.com Best Car Insurance Companies
Cautious Omaha drivers save money
The recommended way to get good auto insurance premiums for a Tacoma is to pay attention while driving and maintain a clean driving record. The diagram below demonstrates how speeding tickets and fender-benders influence auto insurance rates for different insured age categories. The rates are based on a single female driver, comprehensive and collision coverage, $100 deductibles, and no discounts are factored in.
In the chart above, the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,935. Receive two speeding tickets and the average cost rises to $2,605, an increase of $670 each year. Next add one accident along with the two speeding tickets and the annual cost of auto insurance for a Toyota Tacoma goes up to an average of $3,277. That’s an increase of $1,342, or $112 per month, just for not driving carefully!
The example below highlights how deductible selection can affect insurance premiums when trying to find cheap insurance for a Toyota Tacoma. The data is based on a married male driver, full coverage, and no discounts are applied.
The data above shows that a 50-year-old driver could lower their policy premium by $258 a year by increasing from a $100 deductible to a $500 deductible, or save $394 by changing to a $1,000 deductible. Even younger insureds, such as the 20-year-old example, can save $856 annually just by choosing higher deductibles.
If you do decide to increase your deductibles, it’s a good idea to have additional funds squirreled away to enable you to pay the extra out-of-pocket expense, which deters some drivers from choosing higher deductibles.
How to find more affordable insurance for a Toyota Tacoma
The list below shows some of the better penny-pinching ideas that can help Nebraska drivers find cheaper coverage.
- Try to remain claim-free
- Drive vehicles with five-star safety ratings
- Do not waste money insuring older vehicles for full coverage
- Avoid at-fault accidents and claims
- Buy your auto and home insurance from the same company and save
- Do not get traffic violations
- Ensure you have the best deal by shopping around regularly
The last idea is remarkably necessary, as was affirmed in the prior information. Prices charged by auto insurers vary greatly, so don’t be unwilling to buy a different policy if you can find a cheaper rate.
Having a favorite company is fine, but it’s not a great idea if that inflexibility results in costing you a small fortune. In less than five minutes you could shop around to find cheaper car insurance for a Toyota Tacoma in Omaha.