Compare Toyota Tacoma Insurance Rates in Arlington

Searching for discount Arlington Toyota Tacoma insurance quotes may seem to be rather difficult for vehicle owners not familiar with comparison shopping over the internet. With such a large choice of insurers to choose from, how are vehicle owners expected to possibly compare them all to find cheaper car insurance prices?

Insurance rates Toyota Tacoma in ArlingtonWe don’t have to point out that fact that auto insurance companies don’t want you to compare rates. Consumers who shop around for cheaper price quotes will presumably buy a new policy because there is a good probability of finding a more affordable policy. A study discovered that drivers who compared rates once a year saved as much as $72 a month compared to those who never shopped around.

If finding budget-friendly car insurance in Arlington is the reason you’re here, understanding how to quote and compare auto insurance can make shopping around easier.

How to get Arlington Toyota Tacoma insurance quotes

Most of the larger companies allow consumers to get prices on their websites. Comparing prices online for Toyota Tacoma insurance in Arlington is possible for anyone because you just enter your personal and coverage information as requested by the quote form. When the form is submitted, their system sends out for your credit score and driving record and returns pricing information.

The ability to get online rate quotes for Toyota Tacoma insurance in Arlington helps simplify price comparisons, and it’s also necessary to have as many quotes as possible in order to get the most affordable premium on insurance.

If you want to use this form to compare rates, consider comparing rates from the companies shown below. If you currently have coverage, we recommend you enter your coverages identical to your current policy. This helps ensure you are getting a fair comparison using the exact same coverages.

The companies shown below provide quotes in Texas. To find the best auto insurance in Arlington, we recommend you click on several of them to get the most affordable price.

Why you need insurance for your Tacoma

Despite the high insurance cost for a Toyota Tacoma in Arlington, buying auto insurance is a good idea for several reasons.

The benefits of having auto insurance definitely exceed the cost, especially for larger claims. But the average driver in Texas is overpaying over $825 a year so you should quote rates at every renewal to be sure current rates are still competitive.

Analysis of Toyota Tacoma rates

The price information below highlights different insurance rates for Toyota Tacoma models. Knowing how insurance policy premiums are determined can help drivers make informed decisions.


Toyota Tacoma Insurance Rates in Arlington, TX
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $220 $486 $430 $26 $128 $1,290 $108
Tacoma 4WD $254 $400 $430 $26 $128 $1,238 $103
Tacoma Double Cab 4WD $254 $486 $430 $26 $128 $1,324 $110
Tacoma X-Runner 2WD $254 $572 $430 $26 $128 $1,410 $118
Tacoma Double Cab 4WD $286 $486 $430 $26 $128 $1,356 $113
Tacoma Double Cab TRD Off-Road Package 4WD $286 $486 $430 $26 $128 $1,356 $113
Tacoma Double Cab TRD Sport Package 4WD $286 $486 $430 $26 $128 $1,356 $113
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Table data represents single female driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and Texas minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, claim-free, and multi-policy. Table data does not factor in specific zip code location which can change insurance rates noticeably.

Where to set your deductibles

When shopping for car insurance, a common question is how low should you set your deductibles. The rates shown below sum up the costs and benefits when you buy lower versus higher physical damage coverage deductibles. The first rate comparisons uses a $100 deductible for physical damage and the second price chart uses a $500 deductible.


Toyota Tacoma insurance rates 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 rates 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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Data based on married male driver age 30, no speeding tickets, no at-fault accidents, and Texas minimum liability limits. Discounts applied include claim-free, safe-driver, homeowner, multi-policy, and multi-vehicle. Information does not factor in specific garaging location which can raise or lower coverage rates noticeably.

Using the data above, we can ascertain that using a $100 deductible costs approximately $26 more each month or $312 every year than quoting the higher $500 deductible. Since you would have to pay $400 more if you turn in a claim with a $500 deductible as compared to a $100 deductible, if you normally average at a minimum 15 months between claims, you would probably be better off if you decide on a higher deductible.

How to calculate if higher deductibles make sense

Average monthly premium for $100 deductibles: $123
Average monthly premium for $500 deductibles (subtract): – $97
Monthly savings from raising deductible: $26
Difference between deductibles ($500 – $100): $400
Divide difference by monthly savings: $400 / $26
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 15 months

One thing to be aware of is that raising deductibles means you pay more out-of-pocket when you have a claim. You will want to have enough disposable savings in the event you need to pay more to get your vehicle repaired.

The diagram below shows how choosing a deductible and can raise or lower Toyota Tacoma insurance costs for different categories of driver ages. The data is based on a married female driver, comp and collision included, and no discounts are applied.

Premiums by gender and age

The chart below visualizes the comparison of Toyota Tacoma insurance premiums for male and female drivers. The prices are based on no claims or driving violations, comp and collision included, $100 deductibles, drivers are single, and no discounts are applied.

Lower-cost Arlington insurance quotes with discounts

Car insurance companies don’t necessarily list all possible discounts in an easy-to-find place, so we took the time to find both well-publicized in addition to some of the lesser obvious credits that you can use to lower your rates.Save money with discounts

We need to note that some credits don’t apply to your bottom line cost. Most only reduce the cost of specific coverages such as comprehensive or collision. Despite the fact that it seems like adding up those discounts means a free policy, it just doesn’t work that way.

The example below shows the comparison of Toyota Tacoma yearly insurance costs with and without discounts applied to the policy premium. The price estimates are based on a female driver, no accidents or driving violations, Texas state minimum liability limits, comp and collision included, and $250 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, homeowner, safe-driver, claim-free, and multi-policy discounts applied.

A few of the larger companies and a partial list of their discounts are detailed below.

Check with each company or agent which discounts they offer. Savings might not be available to policyholders in your area. To find insurance companies that offer the discounts shown above in Arlington, click here to view.

When should I discuss my situation with an agent?

When choosing coverage, there really isn’t a best way to insure your cars. Your needs are not the same as everyone else’s.Insurance savings

Here are some questions about coverages that might point out whether you may require specific advice.

If it’s difficult to answer those questions but one or more may apply to you, then you may want to think about talking to a licensed agent. If you want to speak to an agent in your area, fill out this quick form.