Finding cheaper car insurance for a Toyota Tacoma relies on many rating factors such as how many years you have been driving, your occupation, and physical damage deductibles. California drivers will pay around $1,165 each year to insure their Tacoma, but that price is a projection based on a 40-year-old married female driver with full coverage and $500 deductibles.
The problem with using this number is the good chance you are not 40 years old and maybe not even female, possibly single instead of married, or maybe you want more liability coverage than is required by law in California. Having the smallest difference in rating variables or coverage information can make a big difference in the policy cost.
This demonstrates why the only real way to find cheap insurance rates for your Toyota is to compare as many rates as you can.
Your vehicle’s trim level will influence the insurance rate, so the rate you will pay to insure a Tacoma 2WD trim level will be $62 less than the cost to insure the higher-priced Tacoma Double Cab TRD Sport Package 4WD model, as shown in the table below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tacoma Double Cab 4WD||$238||$454||$464||$28||$138||$1,322||$110|
|Tacoma X-Runner 2WD||$238||$536||$464||$28||$138||$1,404||$117|
|Tacoma Double Cab 4WD||$270||$454||$464||$28||$138||$1,354||$113|
|Tacoma Double Cab TRD Off-Road Package 4WD||$270||$454||$464||$28||$138||$1,354||$113|
|Tacoma Double Cab TRD Sport Package 4WD||$270||$454||$464||$28||$138||$1,354||$113|
|Get Your Own Custom Quote Go|
Table data represents married female driver age 40, no speeding tickets, no at-fault accidents, $500 deductibles, and California minimum liability limits. Discounts applied include homeowner, multi-vehicle, claim-free, multi-policy, and safe-driver. Information does not factor in your specific Long Beach location which can modify insurance rates significantly.
Choosing the highest-rated insurance company can be a challenge considering how many choices there are in Long Beach. The ranking data shown below could help you pick which car insurance providers to look at when shopping around.
These ratings include major nationwide insurance companies, so companies that may only write in California are not included in this list. If you’d like to compare prices from these and other competitive companies, click here.
Top 10 Major Auto Insurance Providers in Long Beach 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%
Top 10 Major Auto Insurance Providers in Long Beach Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Violations and accidents raise rates
A great way to receive good auto insurance rates in Long Beach for a Tacoma is to be a good driver and avoid traffic citations and accidents. The information below demonstrates how citations and fender-benders impact insurance rates for different categories of driver ages. The premiums assume a single female driver, comp and collision included, $500 deductibles, and no discounts are factored in.
In the example above, the average cost of car insurance in Long Beach per year with no accidents or violations is $2,383. Receive two speeding tickets and the average cost jumps to $3,190, an increase of $807 each year. Now add in one accident along with the two speeding tickets and the annual cost of auto insurance for a Toyota Tacoma increases to an average of $3,995. That’s an increase of $1,612, or $134 per month, just for not being a responsible driver!
The importance of shopping around for Tacoma insurance
California auto insurance rates are impacted by many factors that control the price you have to pay for coverage. Getting older, filing a claim, or getting a ticket for careless driving can trigger changes in premium that can make some companies cheaper in comparison to the competition.
Also, companies change prices as often as every three months to adjust for heavy claims or excess profits. A period of higher than normal claims can cause more expensive premiums, while better underwriting can produce lower-cost Tacoma insurance rates.
To illustrate this example, the bar chart below shows rates for the cheapest car insurance in Long Beach, CA for a 45-year-old male driver with a clear driving record, no claims, and a decent credit rating. Based on his current situation, USAA offers the lowest car insurance rates in Long Beach at $1,370 a year. This is $281 less than the average price paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the remaining most affordable Long Beach, CA auto insurance companies.
Let’s now give the driver from the first rate comparison a claim or two, bad credit, and a stop sign violation. Since each company has their own guidelines for determining rates, comparing rates will most likely result in a completely different list of companies as shown below.
Mercury now has the best price on car insurance in Long Beach, CA with Grange, Progressive, Allied, and Allstate also being competitive. This demonstrates why consumers need to shop around with many companies when trying to get the lowest auto insurance quotes for a Toyota Tacoma. Rates are made up of many things and can increase or decrease at any time, so the lowest-price company six months ago may now cost much more than other companies.
Tips for finding budget-friendly insurance for a Toyota Tacoma
Lowering your rates is not difficult, and here are some of the recommended penny-pinching ideas that can help drivers locate low-cost coverage.
- Raise your deductibles
- Avoid speeding and other traffic citations and pay less
- Maintaining good credit helps earn cheaper rates
- At-fault accidents can raise rates significantly
- Full coverage may not be needed on older vehicles
- Buy vehicles with good safety ratings
- Compare rates once a year for cheaper prices
The final tip is notably important, as was emphasized in this article. Insurance rates in Long Beach can change significantly in a year, so drivers shouldn’t be resistant to buy from a different company if a more affordable rate is found. Being loyal to a particular company is commendable, but it isn’t a good idea if that inflexibility results in costing you lots of money. It only takes a couple minutes to compare prices and find cheaper insurance for a Toyota Tacoma.
If you wish to have a little guidance when comparing insurance rates for a Toyota Tacoma, the agents below can provide answers to your questions and help you determine which coverage meets your needs best.
To find an agent near you, click the button at the bottom or click here to compare rates now.
- Ed Ratleff – State Farm Insurance Agent
1190 N Studebaker Rd f – Long Beach, CA 90815 – (562) 799-0291
- Vali De Vries – State Farm Insurance Agent
1777 N Bellflower Blvd #111 – Long Beach, CA 90815 – (562) 494-7700
- Jennifer Lee Insurance Agency
4252 Atlantic Ave – Long Beach, CA 90807 – (562) 427-1109
- Lara Insurance
6689 Downey Ave – Long Beach, CA 90805 – (562) 408-2800