What Auto Insurance is Cheapest for a Toyota Tacoma in Tucson?

Buying cheap insurance for a Toyota Tacoma is dependent upon many rating factors such as driver age, the likelihood of vehicle theft, and any driving offenses on your record. Drivers in Arizona will pay on average $735 annually for Tacoma insurance, but that price is an estimation based upon a 50-year-old single male driver with full comprehensive and collision coverage and $1,000 deductibles.

Most likely you may not be 50 years old (or even male), possibly married instead of single, or maybe you have a speeding ticket or two that will increase rates. Just a very minor change in the criteria used to calculate rates could result in a significant change in the price of coverage.

Everone’s needs are different, and this illustrates why the only real way to find cheap insurance prices for your Toyota is to just compare rates yourself.

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Vehicle trim level will have an impact the yearly cost, so the cost to insure a Tacoma 2WD model will be $30 lower than the insurance cost for the high end Tacoma Double Cab TRD Sport Package 4WD trim level, as demonstrated by the prices below.

Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $1000 deductibles, and Arizona minimum liability limits. Discounts applied include claim-free, multi-policy, safe-driver, homeowner, and multi-vehicle. Table data does not factor in specific location which can impact insurance rates substantially.

Best car insurance in Arizona

Buying coverage from the right car insurance company can be a challenge considering how many choices you have in Tucson. The company rank data in the next section may help you analyze which car insurance providers you want to consider when shopping car insurance rates for a Toyota Tacoma. These rankings include major nationwide insurance companies, so companies that may only write in Arizona will not be included in this list.

Top 10 Major Auto Insurers in Tucson Ranked by Claims Service

1. State Farm
2. Esurance
3. AAA Insurance
4. GEICO
5. Liberty Mutual
6. Progressive
7. Allstate
8. Titan Insurance
9. The Hartford
10. Mercury Insurance

Top 10 Major Auto Insurers in Tucson Ranked by Customer Satisfaction

1. Titan Insurance – 95%
2. USAA – 94%
3. AAA Insurance – 91%
4. State Farm – 90%
5. Nationwide – 90%
6. The Hartford – 89%
7. GEICO – 89%
8. The General – 88%
9. 21st Century – 88%
10. Liberty Mutual – 88%

Do you need full coverage?

Reducing the cost of car insurance is the goal of most vehicle owners, and one great way to find cheap insurance for a Toyota Tacoma is to not buy full coverage. The illustration below shows the comparison of annual premium costs with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The premiums are based on no claims or driving violations, $250 deductibles, drivers are single, and no other discounts are factored in.

As an overall average, physical damage coverage costs $1,907 per year more than insuring for liability only. At some point, almost every driver questions when is the right time to remove full coverage. There is no definitive rule that works best for making the decision to drop physical damage coverage on your policy, but there is a general school of thought. If the annual cost of comprehensive and collision coverage is about 10% or more of replacement cost minus your deductible, then it might be time to buy liability only.

There are some circumstances where dropping full coverage is not in your best interest. If you haven’t paid off your loan, you have to keep full coverage in order to keep the loan. Also, if you cannot afford to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.

What aren’t you shopping around?

Arizona car insurance rates are calculated based on many things which can significantly increase or decrease the cost of a policy. Getting older, having a teen driver, or getting a couple of tickets may prompt premium changes resulting in some companies being much cheaper than others. In addition, auto insurance companies modify rates every year or even multiple times each year to help ensure profitability. Higher than usual claims may result in price increases, while a lower level of claims can result in lower-priced Tacoma insurance rates.

For example, the bar chart below shows rates for the cheapest car insurance in Tucson, AZ for a 30-year-old female driver with no accidents, a clean driving record, and great credit. If we compare prices based on her personal profile, The Hartford may offer the best car insurance rates in Tucson at $1,041 a year. This is $387 less than the average premium paid by Arizona drivers of $1,428. Auto-Owners, Safeco, USAA, and Travelers are the remainder of the top five cheapest Tucson, AZ auto insurance companies.

In the next rate comparison, we’ll give the driver in the first example an at-fault accident, a lower credit rating, and a few traffic violations. Since each auto insurance company has their own guidelines for filing rates in each state, comparing prices most likely will result in a different set of cheap Tucson auto insurance companies as shown below.

GEICO now has the lowest price on auto insurance in Tucson with Ameriprise Group, Allied, CSAA, and Farm Bureau Mutual completing the list. This demonstrates why it is critical to compare many different companies to find the cheapest insurance rates for a Toyota Tacoma.

Rates are influenced by many risk factors and can increase or decrease at any time, so the cheapest company the last time you shopped your coverage around may now be quite expensive.