Save Money on Toyota Tacoma Insurance in San Antonio

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Insurance for Toyota TacomaHas it been over a year since you last compared quotes for more affordable insurance rates in San Antonio, TX? San Antonio shoppers have lots of choices when shopping for the best price on Toyota Tacoma insurance. You can either spend your time calling around to compare prices or save time using the internet to compare rates. There are both good and bad ways to shop for insurance and we'll show you the proper way to quote coverages on a Toyota and locate the lowest possible price either online or from San Antonio insurance agents.

Finding a better price on auto insurance doesn't have to be difficult. Drivers just need to take time to get quotes to discover which company has affordable San Antonio car insurance quotes.

The companies in the list below offer price comparisons in Texas. If more than one company is shown, it's highly recommended you get price quotes from several of them to get the cheapest price.

Insurance rate breakdown

The premium table shown next showcases estimates of insurance coverage prices for Toyota Tacoma models. Having knowledge of how prices are formulated can be useful when making smart choices when buying a policy.

Toyota Tacoma Insurance Rates in San Antonio, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $326 $592 $500 $30 $150 $1,598 $133
Tacoma 4WD $374 $486 $500 $30 $150 $1,540 $128
Tacoma Double Cab 4WD $374 $592 $500 $30 $150 $1,646 $137
Tacoma X-Runner 2WD $374 $698 $500 $30 $150 $1,752 $146
Tacoma Double Cab 4WD $422 $592 $500 $30 $150 $1,694 $141
Tacoma Double Cab TRD Off-Road Package 4WD $422 $592 $500 $30 $150 $1,694 $141
Tacoma Double Cab TRD Sport Package 4WD $422 $592 $500 $30 $150 $1,694 $141
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Table data represents single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, claim-free, and homeowner. Premium amounts do not factor in specific location which can impact rates significantly.

How high should deductibles be?

When comparing auto insurance rates, the most common question is how high should the physical damage deductibles be. The rates shown below can help you visualize the premium difference when you select higher and lower deductibles. The first data table uses a $100 deductible and the second rate table uses a $500 deductible.

Toyota Tacoma insurance premium estimates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $286 $592 $382 $22 $114 $1,421 $118
Tacoma 4WD $328 $486 $382 $22 $114 $1,357 $113
Tacoma Double Cab 4WD $328 $592 $382 $22 $114 $1,463 $122
Tacoma X-Runner 2WD $328 $698 $382 $22 $114 $1,569 $131
Tacoma Double Cab 4WD $370 $592 $382 $22 $114 $1,505 $125
Tacoma Double Cab TRD Off-Road Package 4WD $370 $592 $382 $22 $114 $1,505 $125
Tacoma Double Cab TRD Sport Package 4WD $370 $592 $382 $22 $114 $1,505 $125
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Toyota Tacoma insurance premium estimates with $500 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $208 $400 $382 $22 $114 $1,126 $94
Tacoma 4WD $240 $328 $382 $22 $114 $1,086 $91
Tacoma Double Cab 4WD $240 $400 $382 $22 $114 $1,158 $97
Tacoma X-Runner 2WD $240 $472 $382 $22 $114 $1,230 $103
Tacoma Double Cab 4WD $270 $400 $382 $22 $114 $1,188 $99
Tacoma Double Cab TRD Off-Road Package 4WD $270 $400 $382 $22 $114 $1,188 $99
Tacoma Double Cab TRD Sport Package 4WD $270 $400 $382 $22 $114 $1,188 $99
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Rates do not factor in specific San Antonio garaging location which can impact premiums greatly.

Based on the above data, using a $100 deductible could cost the average driver approximately $26 more each month or $312 each year across all Toyota Tacoma models than buying the higher $500 deductible. Since the policyholder would be required to pay $400 more out-of-pocket with a $500 deductible as compared to a $100 deductible, if you go at a minimum 15 months between claims, you would probably save some money if you choose a higher deductible.

Gender-based auto insurance rates in San Antonio

The chart below compares Toyota Tacoma car insurance rates for male and female drivers. The rate quotes are based on no violations or claims, comprehensive and collision coverage, $1,000 deductibles, drivers are not married, and no discounts are applied.

Informed Consumers Know How to Buy Insurance Cheaper

The best way to find cheaper insurance is to take a look at some of the things that come into play when calculating your insurance rates. When you understand what determines base rates, this allows you to make educated decisions that could result in much lower annual insurance costs. Many things are considered when you quote your car insurance policy. Some are pretty understandable like your driving record, but others are less apparent such as your credit history or your financial responsibility.

  • Do you really need roadside assistance? - Policies have extra bells and whistles that you can get tricked into buying if you aren't diligent. Insurance for rental car coverage, towing, and additional equipment coverage may be costing you every month. These coverages may sound good at first, but if you don't need them remove them from your policy.
  • Safer the car lower the rate - Safe vehicles are cheaper to insure. Safer cars reduce the chance of injuries and lower rates of occupant injuries means your insurance company pays less which can mean better rates for you. If the Toyota Tacoma earned at least an "acceptable" rating on the Insurance Institute for Highway Safety website you are probably receiving a discount.
  • Poor credit can mean higher premiums - Credit rating is a big factor in determining what you pay. Drivers with high credit scores tend to be more responsible and file fewer claims as compared to drivers with poor credit scores. If your credit score is low, you could pay less to insure your Toyota Tacoma by repairing your credit.
  • More performance means higher costs - The make and model of the car, truck or SUV you need insurance for makes a significant difference in the rate you pay. Lower cost passenger models usually are quite affordable to insure, but other factors influence the final cost greatly.

    The following data uses these assumptions: single female driver age 40, full coverage with $1000 deductibles, and no discounts or violations. It shows Toyota Tacoma insurance premiums compared to other vehicles that have different performance rating factors.

  • Driving citations inflate costs - Whether or not you get tickets can have a huge impact on auto insurance premiums. Even a single ticket can boost insurance rates by twenty percent. Good drivers pay lower auto insurance prices than bad drivers. Drivers who have flagrant violations such as reckless driving or DUI may find they need to submit a SR-22 form with their state motor vehicle department in order to legally drive.

    The example below illustrates how traffic citations and at-fault collisions can drive up Toyota Tacoma insurance premiums for different age groups. The premiums are based on a married male driver, comprehensive and collision coverage, $1,000 deductibles, and no discounts are taken into consideration.

  • Lower rates with a multi-policy discount - Many insurance companies provide discounts to insureds that purchase more than one policy. It's known as a multi-policy discount. If you currently are using one company, it's in your best interest to compare Toyota Tacoma rates in San Antonio to ensure the best deal.
  • Loss statistics for a Toyota Tacoma - Insurers use data from past claims as a way to help calculate a profitable premium price. Models that have increased claim numbers or amounts will have a higher cost to insure.

    The table below illustrates the insurance loss data for Toyota Tacoma vehicles. For each policy coverage, the claim amount for all vehicles combined as an average equals 100. Values that are 100 or less represent a good loss history, while percentage values above 100 indicate more frequent claims or statistically larger losses.

    Toyota Tacoma Insurance Claim Statistics
    Specific Toyota Model Collision Property Damage Comp Personal Injury Medical Payment Bodily Injury
    Toyota Tacoma Double Cab 2WD 79 109 70 77 76 92
    Toyota Tacoma Double Cab 4WD 82 104 84 64 56 77
    Toyota Tacoma Double Cab LWB 2WD 87 108 74 96
    Toyota Tacoma Double Cab LWB 4WD 84 104 88 68 57 79
    Toyota Tacoma Xtra Cab 2WD 80 105 60 86 75 96
    Toyota Tacoma Xtra Cab 4WD 71 90 77 48 51 65
    BETTER
    AVERAGE
    WORSE

    Empty fields indicate not enough data collected
    Statistics Source: Insurance Institute for Highway Safety for 2013-2015 Model Years

Insurance in Texas serves several purposes

Even though it's not necessarily cheap to insure a Toyota in San Antonio, insurance serves several important purposes.

  • Just about all states have minimum liability requirements which means it is punishable by state law to not carry a specific minimum amount of liability insurance coverage in order to drive the car. In Texas these limits are 30/60/25 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $25,000 of property damage coverage.
  • If you bought your vehicle with a loan, it's guaranteed your bank will have a requirement that you buy full coverage to ensure the loan is repaid in case of a total loss. If you let the policy lapse, the lender may insure your Toyota at a more expensive rate and require you to fork over a much higher amount than you were paying before.
  • Insurance protects both your assets and your car. Insurance will also pay for all forms of medical expenses for yourself as well as anyone injured by you. Liability coverage, the one required by state law, also covers legal expenses if you are named as a defendant in an auto accident. If your car is damaged in a storm or accident, collision and comprehensive coverages will cover the damage repairs after a deductible is paid.

The benefits of carrying enough insurance greatly outweigh the cost, particularly if you ever have a claim. As of last year, the average driver in Texas is currently overpaying as much as $869 every year so you should quote rates every year to be sure current rates are still competitive.