Who Has Affordable Atlanta Auto Insurance Rates for a Toyota Tacoma?

Finding cheap auto insurance for a Toyota Tacoma is pretty simple for most people to do, but it relies on a whole bunch of rating criteria such as how many years you have been driving, whether or not you have filed claims in the past, and if you have a history of accidents. Drivers in Georgia pay around $1,092 a year to insure their Tacoma, but that cost is a valuation calculated using a 40-year-old single female driver with full coverage and $1,000 deductibles.

But there is a good chance that you’re not a 40-year-old female, possibly married instead of single, and you don’t want the same coverages and limits as the example. Not everyone needs the same coverages, so the only real way to find the cheapest insurance price for your Toyota is to do your own rate comparisons. Quotes are free and easy and you will receive price comparisons from some of the most affordable companies around.

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Vehicle trim level tends to have a direct impact on the cost of insurance, so the rate you pay to insure a Tacoma 2WD trim level will be $46 cheaper than the insurance cost for the more well-appointed Tacoma Double Cab TRD Sport Package 4WD version, as shown below.

Toyota Tacoma Insurance Rates in Atlanta, GA
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $158 $364 $512 $30 $154 $1,218 $102
Tacoma 4WD $180 $300 $512 $30 $154 $1,176 $98
Tacoma Double Cab 4WD $180 $364 $512 $30 $154 $1,240 $103
Tacoma X-Runner 2WD $180 $430 $512 $30 $154 $1,306 $109
Tacoma Double Cab 4WD $204 $364 $512 $30 $154 $1,264 $105
Tacoma Double Cab TRD Off-Road Package 4WD $204 $364 $512 $30 $154 $1,264 $105
Tacoma Double Cab TRD Sport Package 4WD $204 $364 $512 $30 $154 $1,264 $105
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Above prices assume single female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and Georgia minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-vehicle, and multi-policy. Premium costs do not factor in your specific Atlanta location which can change premium rates noticeably.

Trying to buy budget insurance is not the easiest thing to accomplish, and determining which companies quote the cheapest auto insurance rates for a Toyota Tacoma may require even more work. Each auto insurance company has a different formula for setting rates, so let’s rank the auto insurance companies with the most affordable rates in Atlanta.

It’s important to know that Atlanta, GA auto insurance rates are impacted by many things that may substantially change the cost of your policy. This price fluctuation is why consumers need to take the time to compare many different companies to find the most budget-friendly insurance rates for a Toyota Tacoma. Insurance prices consist of many risk factors and can increase or decrease at any time, so the cheapest company the last time you shopped your coverage around may now be priced much higher than other options.

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Georgia car insurance ranked by cost per year
Rank Company Cost Per Year
1 Auto-Owners $864
2 The Hartford $886
3 USAA $978
4 Central Mutual $1,157
5 Georgia Farm Bureau $1,260
6 MetLife $1,276
7 Travelers $1,292
8 Mercury $1,355
9 Safeco $1,369
10 Country $1,377
11 State Farm $1,404
12 Allied $1,424
13 California Casualty $1,577
14 Encompass $1,639
15 Progressive $1,738
16 Nationwide $1,901
17 Liberty Mutual $2,044
18 GEICO $2,209
19 Allstate $2,246
20 Victoria $2,483
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Auto-Owners quotes some of the lowest car insurance rates in Atlanta at around $864 annually. The Hartford, USAA, Central Mutual, and Georgia Farm Bureau would also be considered some of the best Atlanta, GA auto insurance companies.

As shown in the rates above, if you buy coverage from Central Mutual and switched to The Hartford, you might realize savings of in the neighborhood of $271. Insureds with Georgia Farm Bureau might save as much as $374 a year, and MetLife policyholders might lower prices by up to $390 a year.

Be aware that those prices are averaged for all types of insureds and vehicles and do not factor in a specific location for a Toyota Tacoma. So the company that is best suited for you may not even be in the top 20 companies shown above. That point stresses why you need to get rate quotes using your own driver and vehicle profiles.

Get discount Atlanta car insurance

Auto insurance for a Tacoma in Atlanta, GAInsurance providers that provide policies for a Toyota Tacoma may have premium discounts that could potentially reduce rates by 35% or more if you meet eligibility requirements. Larger auto insurance companies and a selection of discounts can be read below.

The example below shows the comparison of insurance costs with and without policy discounts. The data is based on a female driver, no accidents, no driving violations, Georgia state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average annual price with no discounts. The second shows the rates with marriage, vehicle safety, passive restraint, safe-driver, multiple vehicle, and defensive driving course discounts applied. With discounts applied, the average savings per year on auto insurance for a Toyota Tacoma is 28% or $754.

Difference between liability only and full coverage rates

Saving on auto insurance should be important to most people, and one common way to lower the cost of insurance for a Toyota Tacoma is to not insure for full coverage. The chart below visualizes the comparison of insurance prices with full coverage and liability only. Data assumes no tickets, no at-fault accidents, $500 deductibles, single marital status, and no additional discounts are factored in.

As an average for all age groups, full coverage costs an additional $2,152 per year over having just liability coverage. Many drivers will wonder if paying for full coverage is a waste of money. There is no exact rule that works best for making the decision to drop full coverage on your policy, but there is a general school of thought. If the yearly cost of full coverage is more than around 10% of replacement cost minus your deductible, then you might want to think about dropping full coverage.

There are some conditions where dropping full coverage is not recommended. If you still have a loan on your vehicle, you have to carry full coverage as part of the loan requirements. Also, if your finances do not allow you to purchase a different vehicle in the event your current vehicle is totaled, you should not opt for liability only.

Shop around and save

Atlanta, GA auto insurance rates are impacted by many factors that can increase the cost of a policy. Improving your credit score, adding a teenager to your policy, or getting a ticket for careless driving can cause premium changes that can cause some rates to be cheaper than others.

Additionally, car insurance companies amend premium rates as often as every three months to adjust for unexpected claims or profits. Higher than normal claims may result in rate hikes, while a lower level of claims may cause lower-priced Tacoma insurance rates.

To illustrate this point, the bar chart below analyzes the cheapest car insurance in Atlanta, GA for a 35-year-old female driver with a clean driving record, no accidents, and a good credit rating. If we compare prices based on her current risk factors, Auto-Owners may have the lowest car insurance rates in Atlanta at $1,137 each year. This is $392 less than the average rate paid by Georgia drivers of $1,529. The Hartford, USAA, Central Mutual, and MetLife are also included in the cheapest Atlanta, GA auto insurance companies.

Now we will pretend the driver from the first example an accident claim, poor credit, and a speeding citation. Since every insurance provider has their own process for determining rates in each state, comparing prices may result in a completely different list of affordable companies as shown below.

Travelers now has the cheapest auto insurance in Atlanta with The Hartford, Mercury, Country, and Safeco now being in the top five. This example illustrates why Atlanta drivers need to perform a complete rate comparison when trying to get the most economical insurance rates for a Toyota Tacoma.

Rates can be altered by many factors and change dramatically, so the cheapest rate the last time you shopped around may now be an over-priced policy.

How to find cheaper insurance for a Toyota Tacoma

The list below details some of the recommended money-saving ideas that can help Georgia drivers quote low-cost auto insurance.

The final tip is especially crucial, as we stressed in the prior article. Coverage prices in Atlanta fluctuate constantly, so don’t be afraid to switch carriers if you can save money. We understand brand loyalty, but it’s not recommended if that loyalty results in overpaying a small fortune year after year. In less than five minutes you could compare prices to find cheaper auto insurance for a Toyota Tacoma.

The insurance agents in Atlanta listed below are a good start to help you decide which coverage meets your needs best, as some drivers aren’t sure which coverage they need and prefer to get some professional input when trying to find lower insurance rates for a Toyota Tacoma. It can be challenging to find the best coverage on your own, and using a licensed agent can give you satisfaction knowing your policy gives you enough coverage if you have a claim.

To find an Atlanta insurance agent closest to you, click the button below the list.

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