How Much are Auto Insurance Rates for a Toyota Tacoma in Jacksonville?

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Toyota Tacoma insurance
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Finding cheaper car insurance for a Toyota Tacoma in Florida relies on lots of different rating factors such as your marital status, if you have recent claims, and whether or not you are a good driver. Drivers pay on average $976 annually to insure their Tacoma, but that figure is an estimate calculated based on a 30-year-old married female driver with full physical damage coverage and $1,000 deductibles.

More likely than not, you are not 30 and maybe not even a female, possibly single instead of married, or maybe you want more liability coverage than is required by law in Florida. Everyone has unique insurance needs, and this illustrates why the best way to find the cheapest insurance price for your Toyota is to compare rates from as many companies as possible. Get your free quotes now and you will be able to see rates from the best companies that offer coverage in Florida.

Cheapest Toyota Tacoma Insurance Rates

Vehicle trim level will likely have an effect on the cost of insurance, so the price to insure a Tacoma 2WD will be $50 cheaper than the cost to insure the higher-end Tacoma Double Cab TRD Sport Package 4WD model, as shown below.

Toyota Tacoma Insurance Rates in Jacksonville, FL
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $168 $334 $426 $26 $128 $1,082 $90
Tacoma 4WD $194 $276 $426 $26 $128 $1,050 $88
Tacoma Double Cab 4WD $194 $334 $426 $26 $128 $1,108 $92
Tacoma X-Runner 2WD $194 $394 $426 $26 $128 $1,168 $97
Tacoma Double Cab 4WD $218 $334 $426 $26 $128 $1,132 $94
Tacoma Double Cab TRD Off-Road Package 4WD $218 $334 $426 $26 $128 $1,132 $94
Tacoma Double Cab TRD Sport Package 4WD $218 $334 $426 $26 $128 $1,132 $94
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Above prices assume married female driver age 30, no speeding tickets, no at-fault accidents, $1000 deductibles, and Florida minimum liability limits. Discounts applied include safe-driver, homeowner, multi-vehicle, claim-free, and multi-policy. Estimates do not factor in specific location which can decrease or increase rates considerably.

Comparing rates for low-priced car insurance is not always easy, and determining which companies offer the cheapest car insurance rates for a Toyota Tacoma calls for more quotes for comparison. Each insurer has their own unique process to set policy rates, so let's begin by taking a look at the most budget-friendly car insurance companies in Jacksonville, FL.

It's important that readers know that Florida car insurance rates are determined by lots of factors that can increase the price you pay. Simply having another birthday, buying a different home, or getting a speeding ticket may cause policy rate changes that can make some companies cheaper than before.

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Rankings for the cheapest car insurance companies in Florida
Rank Company Cost Per Year
1 USAA $977
2 Electric $1,712
3 Amica $1,712
4 Progressive $1,775
5 Travelers $1,888
6 Mercury $1,914
7 Allied $1,985
8 Esurance $2,020
9 GEICO $2,108
10 State Farm $2,131
11 Auto-Owners $2,171
12 Allstate $2,388
13 21st Century $2,469
14 Windhaven Insurance $2,549
15 MetLife $2,900
16 Safeco $3,016
17 Hanover $3,024
18 Liberty Mutual $3,131
19 United Automobile $3,457
20 Direct General $3,942
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USAA quotes some of the lowest car insurance rates in Jacksonville at around $977 annually. This is $1,471 less than the average policy premium paid by Florida drivers of $2,448. Electric, Amica, Progressive, and Travelers would also make the list of some of the lowest-priced Jacksonville, FL car insurance companies.

As the rates illustrate above, if you currently have a policy with Amica and switched to USAA, you might achieve annual savings of upwards of $735. Policyholders with Progressive may save as much as $798 a year, and Travelers policyholders might cut rates by $911 a year.

Be aware that those premium estimates are averaged for all insureds and vehicles and and are not figured with a specific vehicle garaging location for a Toyota Tacoma. So the insurer that fits you best may not even be in the list above. That illustrates why you need to compare rates from as many companies as possible using your own specific driver information and vehicle.

The diagram below shows how choosing a deductible can affect insurance prices when researching cheap insurance for a Toyota Tacoma. The prices are based on a married female driver, comp and collision included, and no discounts are applied.

In the chart above, a 40-year-old driver could save $328 a year by switching from a $100 deductible up to a $500 deductible, or save $494 by switching to a $1,000 deductible. Even younger insureds, such as the 20-year-old chart data, could reduce their rates $816 every year by choosing larger deductibles on their policy.

When raising deductibles, it is essential to have plenty of discretionary funds to allow you to cover the extra out-of-pocket expense associated with higher deductibles.

Impact of careless driving on Jacksonville car insurance rates

The obvious way to get affordable car insurance rates for a Tacoma is to drive cautiously and maintain a clean driving record. The diagram below illustrates how violations and accidents increase car insurance rates for different age groups of insureds. The premium estimates are based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no policy discounts are applied.

In the prior example, the average cost of car insurance in Florida per year with a clean driving record and no accidents is $2,412. Add in two speeding tickets and the average cost increases to $3,238, an increase of $826 each year. Now throw in two accidents along with the two speeding tickets and the yearly cost of car insurance for a Toyota Tacoma jumps again to an average of $6,335. That's an increase of $3,923, or $327 per month, just for not being more responsible behind the wheel!

Cost difference between full coverage and liability

Reducing premiums for car insurance should be important to the majority of people, and one great way to find cheap insurance for a Toyota Tacoma is to not buy comprehensive and collision coverage. The chart below shows the comparison of premium costs with full physical damage coverage compared to only buying liability only. The premiums assume no claims or violations, $250 deductibles, single marital status, and no policy discounts are applied.

If we average the cost for ages 20 through 70, full coverage on your policy costs an additional $2,643 per year more than just buying liability insurance. That raises the question if you should buy full coverage. There isn't a steadfast formula to exclude full coverage on your policy, but there is a general guideline you can use. If the annual cost of having full coverage is more than about 10% of the vehicle's replacement cost less your deductible, then it's probably a good time to buy liability coverage only.

There are a few cases where dropping physical damage coverage is not a good idea. If you still have a loan on your vehicle, you must maintain physical damage coverage to protect the lienholder's interest in the vehicle. Also, if your emergency fund is not enough to purchase a different vehicle in the even your car is totaled, you should not remove full coverage.