Finding cheap car insurance for a Toyota Tacoma in California relies on a lot of different factors such as your gender, where your vehicle is garaged, and any driving offenses on your record. Drivers in California will pay around $1,174 per year for Tacoma insurance, but that is an approximation using a 50-year-old married male driver with both comprehensive and collision coverage and $250 deductibles.
But there is a high likelihood that you are not 50 and maybe not even a male, possibly single instead of married, or maybe your Tacoma is old enough that it doesn’t require full coverage. Just a slight change in rating criteria may result in a big change in the cost of insurance.
Auto insurance requires individual risk assessment, so the only real way to find the cheapest coverage for your Toyota is to do the rate comparisons yourself. It’s really quite easy you can get prices from the best companies that offer coverage in California.
The specific model of Tacoma tends to have a direct impact on the annual cost of coverage, so the price you pay to insure a Tacoma 2WD model will be $68 less than the cost to insure the high end Tacoma Double Cab TRD Sport Package 4WD model, as shown in the chart below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tacoma 2WD | $232 | $490 | $424 | $26 | $126 | $1,298 | $108 |
| Tacoma 4WD | $266 | $402 | $424 | $26 | $126 | $1,244 | $104 |
| Tacoma Double Cab 4WD | $266 | $490 | $424 | $26 | $126 | $1,332 | $111 |
| Tacoma X-Runner 2WD | $266 | $576 | $424 | $26 | $126 | $1,418 | $118 |
| Tacoma Double Cab 4WD | $300 | $490 | $424 | $26 | $126 | $1,366 | $114 |
| Tacoma Double Cab TRD Off-Road Package 4WD | $300 | $490 | $424 | $26 | $126 | $1,366 | $114 |
| Tacoma Double Cab TRD Sport Package 4WD | $300 | $490 | $424 | $26 | $126 | $1,366 | $114 |
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Above prices assume married male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and California minimum liability limits. Discounts applied include claim-free, homeowner, safe-driver, multi-policy, and multi-vehicle. Table data does not factor in your specific Bakersfield location which can alter premiums substantially.
Buying coverage from a high-quality insurance provider is hard considering how many choices drivers have in California. The company information listed below could help you analyze which car insurance providers you want to consider purchasing from.
The rankings below include the largest companies in the United States, so companies that may only write in California are not factored into the list. If you wish to compare prices from the insurers below and more, follow this link.
Top 10 Major Auto Insurance Companies in Bakersfield Ranked by Customer Satisfaction
- Titan Insurance – 95%
- USAA – 94%
- AAA of Southern California – 92%
- AAA Insurance – 91%
- Nationwide – 90%
- State Farm – 90%
- The Hartford – 89%
- GEICO – 89%
- The General – 88%
- 21st Century – 88%
Get discounts on Bakersfield insurance rates
Insurance providers that sell policies for a Toyota Tacoma could also offer premium discounts that may potentially lower prices by 30% or more if you qualify for them. Larger insurance companies and some of the discounts are:
- 21st Century may have discounts that include student driver, automatic seat belts, defensive driver, teen driver, and driver training.
- Progressive has savings for good student, online signing, homeowner, multi-policy, continuous coverage, multi-vehicle, and online quote discount.
- State Farm discounts include driver’s education, anti-theft, passive restraint, Steer Clear safe driver discount, and accident-free.
- Nationwide policyholders can earn discounts including defensive driving, good student, business or organization, multi-policy, easy pay, and anti-theft.
- Esurance may include discounts for emergency road assistance, paid-in-full, safety device, renters, anti-lock brakes, and online shopper.
- The Hartford offers premium reductions for vehicle fuel type, good student, bundle, defensive driver, driver training, and air bag.
The chart below visualizes the comparison of insurance prices with and without discounts applied to the policy premium. The premiums are based on a male driver, no tickets, no at-fault accidents, California state minimum liability limits, comp and collision included, and $1,000 deductibles.
The first bar for each age group shows the average annual price with no discounts. The second shows the rates with homeowner, passive restraint, defensive driving course, vehicle safety, anti-theft, and multiple vehicle discounts applied. When taking advantage of discounts, the average savings per year on insurance for a Toyota Tacoma is 28% or $614.
Should you buy full coverage?
Finding cheaper insurance is probably important to the majority of vehicle owners, and one of the easiest ways to pay less for insurance for a Toyota Tacoma is to buy only liability coverage. The chart below illustrates the difference between insurance rates with full coverage and liability only. Data assumes a clean driving record, no claims, $1,000 deductibles, drivers are single, and no discounts are applied to the premium.
Averaged for all age groups, full coverage costs an additional $2,222 per year more than just insuring for liability. That amount may make you wonder if paying for full coverage is a waste of money. There is no exact rule of when to drop physical damage coverage, but there is a general guideline you can use. If the annual cost of your full coverage insurance is more than around 10% of the vehicle’s replacement cost less your deductible, the it may be a good time to stop paying for full coverage.
There are a few cases where dropping full coverage is not a good idea. If you still have a lienholder on your title, you are required to maintain full coverage in order to prevent your loan from defaulting. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not eliminate full coverage.
What aren’t you shopping around?
California insurance rates are determined by lots of factors which can significantly increase or decrease the policy premium. Simply getting older, becoming a homeowner, or getting a couple of tickets can trigger price changes that may make certain companies more affordable than the competition.
Additionally, companies file new California auto insurance rates at least once a year in order to offset underwriting gains or losses. Heavy losses may cause additional price hikes, while lower claim expenses may produce more affordable Tacoma insurance rates.
The bar chart below shows a variety of companies that have the cheapest car insurance in Bakersfield, CA for a 40-year-old female driver with no accidents, a clean driving record, and a good credit history. When quoting prices based on her current situation, USAA offers the lowest car insurance rates in Bakersfield at $1,204 per year. This is $447 less than the average premium paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National also make the list of the top five cheapest Bakersfield, CA auto insurance companies.
The next chart shows rates after we give the driver in the first example some claims, poor credit, and a blemish on her driving record. Since each auto insurer uses their own method for setting prices, getting updated rate quotes could result in a slightly different list of affordable companies as shown below.
Grange now has the lowest price on auto insurance in Bakersfield, CA with Allstate, Mercury, Allied, and Progressive completing the list. This illustrates why it is crucial to shop around when trying to find the best car insurance rates for a Toyota Tacoma.
Car insurance prices can be altered by many things and can decrease or increase without notice, so the lowest-price company two years ago may now be one of the more expensive options.
How to find low-cost auto insurance for a Toyota Tacoma
The list below summarizes a few penny-pinching solutions that can help you locate more affordable auto insurance.
- Improve your credit score
- Do not get into accidents that are your fault
- Avoid speeding and other traffic citations and pay less
- Buy safe vehicles
- Higher deductibles save money
- Ensure you have the best deal by shopping around regularly
The last suggestion is notably critical, as we emphasized in the prior information. Coverage prices in Bakersfield can be adjusted at any time, so don’t be unwilling to change to a new company if a better deal can be had.
Brand loyalty is not necessarily bad, but is isn’t recommended if that dedication is costing thousands of dollars over the life of your policy. Spend a few minutes and compare rates and find cheaper auto insurance for a Toyota Tacoma.
The insurance agencies listed below can answer your questions and help you decide which insurance coverage you need, since lots of drivers aren’t clear which coverage they need and would like to have professional advice when trying to find the best insurance rates for a Tacoma. It can be challenging to find coverage yourself, and getting advice from a licensed California insurance agent can provide satisfaction knowing your policy gives you adequate protection in case of an accident or claim.
To locate a Bakersfield car insurance agency using an interactive map, click the button at the bottom of the list.
- California Canyon Insurance Agency
B, 4900 California Ave #210 – Bakersfield, CA 93309 – (661) 377-2978 - Nationwide Insurance: Michaud Insurance Agency Inc
201 California Ave – Bakersfield, CA 93304 – (661) 633-9900 - Farmers Insurance: Eric Peters
1519 Eye St – Bakersfield, CA 93301 – (661) 872-8113 - Abir M Pulskamp – State Farm Insurance Agent
1100 Mohawk St #240 – Bakersfield, CA 93309 – (661) 322-3338 - David Hall – State Farm® Insurance Agent
5351 Olive Dr #300 – Bakersfield, CA 93308 – (661) 393-8326