Buying the best cheap insurance for a Toyota Tacoma in Massachusetts relies on a fairly complex equation with a lot of factors such as how far you commute, whether you are claim-free, and citations on your driving record. Drivers in Massachusetts will pay on average $991 annually for Tacoma insurance, but that cost is an approximation based upon a 40-year-old married female driver with full physical damage coverage and $250 deductibles.
There’s a good chance you may not be 40 years old (or even female), single instead of married, or you just want cheap liability insurance instead of full coverage. Have just a small change in policy rating criteria or coverages could end up in a significant change in the policy cost.
Insurance is an individual thing, so the only way to find affordable rates for your Toyota is to do the rate comparisons yourself.
The specific model of Tacoma can impact the cost of insurance, so the price you pay to insure a Tacoma 2WD trim level will be $56 cheaper than the insurance cost for the more well-appointed Tacoma Double Cab TRD Sport Package 4WD model, as shown by the rates below.
| Model | Comp | Collision | Liability | Medical | UM/UIM | Annual Premium | Monthly Premium |
|---|---|---|---|---|---|---|---|
| Tacoma 2WD | $194 | $426 | $350 | $20 | $106 | $1,096 | $91 |
| Tacoma 4WD | $222 | $350 | $350 | $20 | $106 | $1,048 | $87 |
| Tacoma Double Cab 4WD | $222 | $426 | $350 | $20 | $106 | $1,124 | $94 |
| Tacoma X-Runner 2WD | $222 | $502 | $350 | $20 | $106 | $1,200 | $100 |
| Tacoma Double Cab 4WD | $250 | $426 | $350 | $20 | $106 | $1,152 | $96 |
| Tacoma Double Cab TRD Off-Road Package 4WD | $250 | $426 | $350 | $20 | $106 | $1,152 | $96 |
| Tacoma Double Cab TRD Sport Package 4WD | $250 | $426 | $350 | $20 | $106 | $1,152 | $96 |
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Data variables include married female driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Massachusetts minimum liability limits. Discounts applied include claim-free, safe-driver, multi-policy, homeowner, and multi-vehicle. Price estimates do not factor in specific location information which can affect premiums considerably.
Choosing a highly-rated insurance company can be challenging considering how many choices there are in Massachusetts. The information in the next section could help you pick which companies to look at when shopping car insurance rates for a Toyota Tacoma. The ratings below are only comprised of companies that insure vehicles nationwide, so companies that have a smaller presence are not factored into the list.
Top 10 Large Car Insurance Companies in Boston Ranked by Value
- The Hartford
- Farmers Insurance
- Safeco Insurance
- AAA Insurance
- State Farm
- Travelers
- Progressive
- American Family
- GEICO
- Liberty Mutual
Irresponsible driving raises your rates
The ideal way to snag low auto insurance rates in Massachusetts for a Tacoma is to drive attentively and avoid accidents and violations. The chart below illustrates how traffic citations and at-fault collisions impact annual premium costs for different categories of driver ages. The information is based on a single female driver, comprehensive and collision coverage, $250 deductibles, and no discounts are taken into consideration.
The chart shows that the average cost of an auto insurance policy in Massachusetts per year with no accidents and a clean driving record is $1,845. Factor in two speeding tickets and the average cost rises to $2,469, an increase of $624 each year. Then add one accident along with the two speeding tickets and the 12-month cost of auto insurance for a Toyota Tacoma increases to an average of $3,087. That’s an increase of $1,242, or $104 per month, just for not driving safely!
Why you should compare rates
Massachusetts auto insurance rates are determined by lots of factors which can significantly increase or decrease your annual premium. Simply turning a year older, having a claim, or getting a ticket for careless driving can produce rate changes that can now make some companies cheaper than others.
Also, insurance companies amend pricing every year to ensure their profitability. Significantly higher claims can cause higher priced premiums, while a better loss history may result in cheaper Tacoma insurance rates.
The chart below shows the companies that have the cheapest car insurance in Boston, MA for a 35-year-old male driver with no accidents, a clean driving record, and good financial standing. Based on his personal risk profile, State Farm might quote the cheapest car insurance rates in Boston at $971 annually. This is $264 less than the average price paid by Massachusetts drivers of $1,235. National Grange Mutual, GEICO, Commerce Group, and OneBeacon are also included in the most affordable Boston, MA auto insurance companies.
The chart below compares rates after we give the driver from the first rate comparison a couple of claims, poor credit, and a speeding citation. Due to the fact that every insurance company has a unique approach for determining rates in each state, analyzing rate quotes most likely will result in a significantly different list of companies as shown below.
Progressive now has the cheapest auto insurance in Boston, MA with USAA, Norfolk and Dedham, Amica, and National Grange Mutual also having competitive pricing. This example shows why Massachusetts drivers need to spend some time comparing rates when trying to find cheap insurance rates for a Toyota Tacoma.
Auto insurance prices are calculated by many different factors and can change substantially, so the cheapest option six months ago may now be one of the more expensive options.