Who Has the Cheapest San Antonio Auto Insurance for a Toyota Tacoma?

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Buying affordable insurance for a Toyota Tacoma relies on a lot of rating factors such as how you use your vehicle, if you have recent claims, and your motor vehicle report. Drivers in Texas pay on average $1,301 per year for Tacoma insurance, but that figure is a projection based on a 50-year-old single male driver with full coverage and $100 deductibles.

When projecting a rate like this, the problem is that you are not 50 years old and maybe not even male, you might be married instead of single, or maybe you prefer to not insure for full coverage. Just a minor difference in the factors used in pricing a policy can make a big difference in the policy cost.

Different coverage needs are the reason why the best way to find cheap insurance prices for your Toyota is to just take the time to compare rates yourself.

View Toyota Tacoma Insurance Rates

The trim level of your Tacoma will influence the yearly cost, so the price you will be charged to insure a Tacoma 2WD will be $72 lower than the insurance cost for the higher-priced Tacoma Double Cab TRD Sport Package 4WD version, as shown in the table below.

Toyota Tacoma Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $246 $610 $430 $26 $128 $1,440 $120
Tacoma 4WD $282 $502 $430 $26 $128 $1,368 $114
Tacoma Double Cab 4WD $282 $610 $430 $26 $128 $1,476 $123
Tacoma X-Runner 2WD $282 $718 $430 $26 $128 $1,584 $132
Tacoma Double Cab 4WD $318 $610 $430 $26 $128 $1,512 $126
Tacoma Double Cab TRD Off-Road Package 4WD $318 $610 $430 $26 $128 $1,512 $126
Tacoma Double Cab TRD Sport Package 4WD $318 $610 $430 $26 $128 $1,512 $126
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Data rating is based on single male driver age 50, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include homeowner, claim-free, multi-policy, safe-driver, and multi-vehicle. Premium amounts do not factor in San Antonio location which can impact insurance rates considerably.

Finding the best auto insurance company is difficult considering how many different companies there are to choose from in San Antonio. The information displayed below could help you select which companies to look at when shopping around. The rankings below are only comprised of the largest companies in America, so companies that may only write in Texas are not taken into consideration for the list.

Top Auto Insurance Companies for a Toyota Tacoma in Texas
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
Mercury Insurance 97 96 88 89% A+ 93.4
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Data Source: Insure.com Best Car Insurance Companies

The information below demonstrates how deductible levels can influence annual premium costs when getting quotes for cheap insurance for a Toyota Tacoma. The data is based on a married male driver, comp and collision included, and no additional discounts are factored in.

The data above shows that a 40-year-old driver could pocket $318 a year by changing their physical damage coverage from a $100 deductible to a $500 deductible, or save $480 by selecting a $1,000 deductible. Youthful drivers, like the 20-year-old category, could reduce their rates as much as $1,060 annually by choosing a larger deductible amount.

When using a larger deductible, it is important to have enough savings set aside to be able to cover the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.

Difference between liability only and full coverage rates

Reducing the cost of auto insurance is important to most drivers, and an easy way to find cheaper insurance for a Toyota Tacoma is to not pay for full coverage. The illustration below shows the comparison of car insurance rates with full physical damage coverage compared to only buying the minimum liability limits required in Texas. The prices are based on no claims or violations, $1,000 deductibles, marital status is single, and no additional discounts are factored in.

If we average the cost for ages 20 through 70, full coverage costs an additional $1,890 per year over having just liability coverage. That touches on the question if full coverage is worth the money. There is no set guideline to eliminate physical damage coverage, but there is a broad guideline. If the annual cost of having full coverage is more than around 10% of the vehicle's replacement cost less your deductible, then it could be time to drop full coverage.

For example, let's say your vehicle's settlement value is $8,000 and you have $1,000 physical damage deductibles. If your vehicle is damaged in an accident, the most you would receive is $7,000 after paying the physical damage deductible. If premiums are more than $700 annually for your policy with full coverage, the it may be a good time to stop paying for full coverage.

There are some situations where dropping physical damage coverage is not recommended. If you still owe a portion of the original loan, you are required to maintain full coverage to protect the lienholder's interest. Also, if your finances do not allow you to purchase a different vehicle in case of an accident, you should keep full coverage.

How to find economical car insurance for a Toyota Tacoma

Lowering your rates is not difficult, and here are some of the better thrifty ideas that can help drivers get cheaper auto insurance.

That last tip is extremely crucial, as was affirmed in this article. Prices charged by companies fluctuate constantly, so don't be tentative to switch companies if a cheaper rate is available. Having brand loyalty is commendable, but it's not recommended if that dedication is costing hundreds every year. Take a few minutes and shop around to find cheaper insurance for a Toyota Tacoma in San Antonio.

The agencies below are a good start to help you decide which coverage fits your budget, since some people prefer to have some advice when shopping for the best coverage for a Tacoma. It can be difficult to find the cheapest rate yourself, so a professional agent can add peace of mind knowing you have sufficient protection if you have a claim. To find an agent in your neighborhood, click the link after the list or click here to compare price quotes now.

B J Kohutek Jr - State Farm Insurance Agent
7863 Callaghan Rd #105 - San Antonio, TX 78229 - (210) 616-0662

Garcia Insurance Agency
1255 SW Military Dr - San Antonio, TX 78221 - (210) 593-8935

Roger Haynes - State Farm Insurance Agent
13909 Nacogdoches Rd #103 - San Antonio, TX 78217 - (210) 656-4082

Raul Benavides III - State Farm Insurance Agent
6900 San Pedro Ave #135 - San Antonio, TX 78216 - (210) 824-5724

View map of San Antonio, TX insurance agents