Who Has Cheap Auto Insurance for a Toyota Tacoma in Virginia Beach?

Finding economical auto insurance for a Toyota Tacoma in Virginia is pretty simple, but it depends on lots of different factors such as how you use your Tacoma, the size of your vehicle, and if you have a history of accidents. Drivers in Virginia will pay on average $822 a year to insure their Tacoma, but that cost is a projection calculated based on a 40-year-old married male driver with full coverage and $100 deductibles.

More likely than not, you are not 40 and maybe not even a male, maybe you are single instead of married, and you don’t want the same coverages and limits as the example. There is no perfect policy for every driver, so the only real way to find the most affordable coverage for your Toyota is to compare as many rates as you can. It only takes a couple of minutes and you will be able to compare rates from some of the best insurers that insure Toyota vehicles in Virginia.

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Vehicle trim level tends to impact the insurance rate, so the price you will pay to insure a Tacoma 2WD will be $52 less than the cost to insure the higher-end Tacoma Double Cab TRD Sport Package 4WD trim level, as shown below.

Toyota Tacoma Insurance Rates in Virginia Beach, VA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $176 $368 $266 $16 $80 $906 $76
Tacoma 4WD $202 $302 $266 $16 $80 $866 $72
Tacoma Double Cab 4WD $202 $368 $266 $16 $80 $932 $78
Tacoma X-Runner 2WD $202 $434 $266 $16 $80 $998 $83
Tacoma Double Cab 4WD $228 $368 $266 $16 $80 $958 $80
Tacoma Double Cab TRD Off-Road Package 4WD $228 $368 $266 $16 $80 $958 $80
Tacoma Double Cab TRD Sport Package 4WD $228 $368 $266 $16 $80 $958 $80
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Data assumes married male driver age 40, no speeding tickets, no at-fault accidents, $100 deductibles, and Virginia minimum liability limits. Discounts applied include homeowner, multi-policy, safe-driver, claim-free, and multi-vehicle. Estimates do not factor in specific location which can influence prices significantly.

Deciphering which companies offer the most affordable auto insurance rates for a Toyota Tacoma calls for a little more sweat than just comparing rates from one or two companies.

Every insurance company uses their own calculation for determining rates, so we need to take a look at the overall cheapest auto insurance companies in Virginia. It’s important to know that Virginia auto insurance rates are influenced by many factors that control the policy premium. Simply having another birthday, getting married, or getting a couple of tickets can trigger price changes resulting in some companies being cheaper than competitors.

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What’s the cheapest car insurance in Virginia?
Rank Company Cost Per Year
1 Travelers $679
2 USAA $716
3 Penn National $748
4 Utica National $758
5 Cincinnati Insurance $763
6 Auto-Owners $781
7 The Hartford $809
8 Erie $812
9 Virginia Farm Bureau $834
10 Donegal Mutual $878
11 Nationwide $925
12 Allied $1,022
13 ALFA $1,028
14 GEICO $1,036
15 Chubb $1,101
16 National Grange Mutual $1,104
17 State Farm $1,143
18 Electric $1,228
19 Amica $1,241
20 Progressive $1,246
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Travelers may offer some of the lowest car insurance rates in Virginia Beach at around $679 a year. USAA, Penn National, Utica National, and Cincinnati Insurance also make the cut as some of the most economical Virginia Beach, VA auto insurance companies.

As shown in the table above, if you have coverage with Utica National and switched to Travelers, you may see a yearly savings of about $79. Drivers with Cincinnati Insurance may save as much as $84 a year, and Auto-Owners policyholders might lower prices by up to $102 a year.

Be aware that those premium estimates are averages across all types of drivers and the different vehicles they drive and do not factor in an exact zip code location for a Toyota Tacoma. So the car insurance company that is best suited for you may not even be in the top 30 companies shown above. That affirms the importance of why you need to get rate quotes from many companies using your own personalized driver profile and vehicle information.

The information below demonstrates how choosing different deductibles can increase or decrease insurance costs when trying to find cheap insurance for a Toyota Tacoma. The information is based on a single female driver, comp and collision included, and no policy discounts are applied.

The chart above illustrates that a 50-year-old driver could save $236 a year by changing from a $100 deductible up to a $500 deductible, or save $356 by using a $1,000 deductible. Even younger drivers, like the 20-year-old category, could reduce their rates $602 every year by choosing a higher deductible.

If you make the decision to raise deductibles, it’s a good idea to have plenty of money set aside to satisfy the extra out-of-pocket expense, which is the main drawback of higher deductibles.

Can you find cheaper Tacoma insurance?

Virginia Beach auto insurance rates are impacted by many factors which can substantially change your annual premium. Getting older, buying a home, or getting a few speeding tickets may generate price changes that can now make some companies cheaper than competitors.

And not only may your rating factors change, but car insurance companies amend premium rates every year in order to offset underwriting gains or losses. Larger than normal claims may result in rate hikes, while better underwriting can cause cheaper Tacoma insurance rates.

To illustrate this example, the graph below shows which companies have the cheapest car insurance in Virginia Beach, VA for a 40-year-old female driver with no prior accidents, a clean driving record, and a high credit rating. Based on her current risk profile, Travelers might offer the lowest car insurance rates in Virginia Beach at $823 a year. This is $335 less than the average policy premium paid by Virginia drivers of $1,158. USAA, Penn National, Cincinnati Insurance, and The Hartford are the remaining cheapest Virginia Beach, VA auto insurance companies.

The next chart shows rates after we give the driver in the first chart some claims, a lower credit rating, and a speeding citation. Since every insurance provider has their own formula for establishing rates, comparing rates may now present a slightly different list of the cheapest Virginia Beach car insurance companies as shown below.

Auto-Owners now has the best auto insurance rate in Virginia Beach with Erie, Virginia Farm Bureau, Donegal Mutual, and Nationwide completing the list. This illustrates why Virginia Beach drivers need to do a thorough rate comparison to get the lowest auto insurance rates for a Toyota Tacoma.

Prices are influenced by many things and can increase or decrease at any time, so the lowest-price company the last time you shopped your coverage around may now be priced much higher than other options.

Tips to find cheaper insurance for a Toyota Tacoma

The list below summarizes some of the better penny-pinching solutions that can help you locate lower-cost coverage.

That final tip is remarkably vital, as we hit on in this piece. Car insurance prices vary considerably, so don’t be tentative to buy a different policy if a cheaper rate is available. Having a favorite company is great, but it’s not a great idea if that inflexibility results in costing you a wad of cash every year. It only takes a couple minutes to compare prices and find cheaper car insurance for a Toyota Tacoma in Virginia Beach.

If you prefer to have some professional guidance when comparing insurance rates for a Toyota Tacoma, the professional agents shown below can most likely help you make a decision which auto insurance policy would work best for you. To find an agent by location nearest to you, click the link at the bottom.

Larry Akers – State Farm Insurance Agent
928 Diamond Springs Rd Ste 131Virginia Beach, VA 23455(757) 497-3853

Stephanie Langkil – State Farm Insurance Agent
5441 Virginia Beach Blvd #115Virginia Beach, VA 23462(757) 499-3411

Lee Barnes – State Farm Insurance Agent
1625 Salem Rd Ste 103Virginia Beach, VA 23456(757) 467-8890

State Farm: Paula Faivre
2052 S Independence Blvd #007Virginia Beach, VA 23453(757) 340-3999

GEICO Insurance Agent
4389 Virginia Beach BlvdVirginia Beach, VA 23462(757) 583-2200

Find a Virginia Beach, VA insurance agent near you