Save Money on Toyota Tacoma Insurance in San Antonio

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
Get Your Own Custom Quote Go

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
Get Your Own Custom Quote Go

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
Get Your Own Custom Quote Go

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.

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.

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.