Who Has the Cheapest Auto Insurance Quotes for a Toyota Tacoma in Houston?

Finding cheaper coverage for a Toyota Tacoma depends on many rating factors such as age of the driver, what you do for a living, and the level of deductible you choose. Drivers will pay on average $1,452 a year to insure their Tacoma, but that is a valuation based upon a 30-year-old single male driver with both comprehensive and collision coverage and $100 deductibles.

When making auto insurance estimates, the issue arises that you are not 30 years old and maybe not even male, you might be married instead of single, or maybe you live in a different area as the quoted rates. Even a slight difference in rating criteria can make a large difference in the cost of insurance for a Toyota Tacoma.

This illustrates why the way we recommend to find cheap insurance prices for your Toyota is to do your own rate comparisons.

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Your vehicle’s trim level tends to have a direct effect on the cost of coverage, so the cost to insure a Tacoma 2WD trim level will cost $96 less than the price to insure the high end Tacoma Double Cab TRD Sport Package 4WD model, as demonstrated by the prices below.

Toyota Tacoma Insurance Rates in Houston, 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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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and Texas minimum liability limits. Discounts applied include claim-free, multi-policy, homeowner, safe-driver, and multi-vehicle. Information does not factor in your specific Houston location which can change premiums considerably.

Finding decent, low-cost auto insurance is not always easy, and deciding which companies have the most affordable auto insurance rates for a Toyota Tacoma will require a bit more work.

Every auto insurer has their own guidelines to establish rates, so we’ll go over the auto insurance companies with the overall cheapest rates in Texas.

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Cheapest insurance companies in Texas
Rank Company Cost Per Year
1 Travelers $1,021
2 USAA $1,095
3 Germania Mutual $1,244
4 Texas Farm Bureau $1,247
5 Esurance $1,379
6 California Casualty $1,438
7 State Farm $1,510
8 Mercury $1,521
9 Safe Auto $1,565
10 Nationwide $1,600
11 Progressive $1,647
12 Allstate $1,667
13 Amica $1,775
14 Home State $2,071
15 GEICO $2,156
16 MetLife $2,183
17 Unitrin $2,241
18 Encompass $2,324
19 21st Century $2,494
20 Titan $2,568
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Travelers normally has some of the best car insurance rates in Houston at around $1,021 each year. USAA, Germania Mutual, Texas Farm Bureau, and Esurance also are some of the best Houston, TX insurance companies.

In the above example, if you are a policyholder with Germania Mutual and switched to Travelers, you might achieve an annual premium reduction of around $223. Drivers with Texas Farm Bureau could save as much as $226 a year, and Esurance customers might realize rate reductions of up to $358 a year.

Be aware that those premiums are averages across all types of insureds and vehicles and and are not figured with a vehicle location for a Toyota Tacoma. So the company that fits your situation best may not even be in the top 23 companies shown above. That underscores the importance of why you need to get quotes using your own driver and vehicle profiles.

The example below highlights how deductible choice can influence insurance costs when researching cheap insurance for a Toyota Tacoma. The rates are based on a married female driver, comprehensive and collision coverage, and no policy discounts are applied.

A 50-year-old driver could cut expenses by $320 a year by switching from a $100 deductible to a $500 deductible, or save $486 by changing to a $1,000 deductible. Younger drivers, like the age 20 example, could drop their prices up to $802 every year by choosing a higher deductible.

If you make the decision to raise deductibles, it’s a good idea to have enough savings set aside to enable you to pay the extra out-of-pocket expense, which is the primary disadvantage of high deductibles.

Chances are good that you’re overpaying for Tacoma insurance

Houston auto insurance rates are influenced by many factors which can substantially change the cost of coverage. Simply having another birthday, becoming a homeowner, or getting a ticket for running a stop sign can cause premium changes that can cause some rates to be more affordable than others. Not only may your situation change, but insurance companies change their prices at least once a year as an adjustment for underwriting gains or losses. Heavier than normal losses can result in more expensive premiums, while profitable underwriting may produce lower-priced Tacoma insurance rates.

For instance, the bar chart below shows the company with the cheapest car insurance in Houston, TX for a 45-year-old female driver with no prior claims, no tickets, and a good credit rating. If we compare prices based on her personal risk profile, Travelers offers the cheapest car insurance rates in Houston at $1,272 annually. This is $632 less than the average rate paid by Texas drivers of $1,904. USAA, Texas Farm Bureau, Germania Mutual, and Esurance are the rest of the best Houston, TX 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 an imperfect driving record. Since each company has their own process to set policy rates, comparing quotes may now present a completely different list of the cheapest car insurance companies in Houston as shown below.

State Farm now has the lowest price in Houston with Mercury, USAA, Safe Auto, and Nationwide now being in the top five. This example shows why drivers need to compare as many rates as possible when trying to get the most economical car insurance rates for a Toyota Tacoma. Insurance prices can be altered by many things and can decrease or increase without notice, so the best price the last time you checked may now be one of the more expensive options.

How to find budget-friendly auto insurance for a Toyota Tacoma

The list below details some of the recommended money-saving ideas that can help drivers locate cheap coverage.

That last piece of advice is highly important, as we noted in this write-up. Auto insurance prices go up and down frequently, so drivers shouldn’t be reluctant to buy a policy from a new company if a more affordable rate is found.

Loyalty to a specific company is fine, but it’s not recommended if your bullheadedness ends up costing you lots of hard earned cash every month. If you have a few minutes, compare rates to find cheaper car insurance for a Toyota Tacoma in Houston.

The agents listed below can most likely answer your questions and help you decide which coverages you need, as some people prefer to have professional advice when trying to find lower insurance rates for a Toyota Tacoma. It can be time-consuming to find the best coverage on your own, so getting advice from a licensed Texas insurance agent can give you comfort knowing your policy gives you adequate coverage when you need it most.

To find an agent by location nearest to you, click the button link following the list.

Duckworth Insurance Agency
3824 Broadway StHouston, TX 77017(713) 645-1500

Dean and Draper Insurance Agency, LP
3131 W Alabama St #150Houston, TX 77098(713) 527-0444

Scott McNab – State Farm Insurance Agent
1005 Waugh Dr bHouston, TX 77019(713) 520-5556

Baxter Insurance Agency, Inc.
450 North Sam Houston Pkwy E #103Houston, TX 77060(281) 445-1381

Hotchkiss Insurance Agency
13430 Northwest Fwy #600Houston, TX 77040(713) 956-9800

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