Who Has Cheap Raleigh Car Insurance Rates for a Toyota Tacoma?

Buying economical insurance for a Toyota Tacoma in North Carolina is fairly easy, but it is dependent upon many rating factors such as age of the driver, your occupation, and the level of deductible you choose. North Carolina drivers pay approximately $828 annually for Tacoma insurance, but that price is a valuation based on a 30-year-old married male driver with full coverage and $100 deductibles.

More likely than not, you aren’t exactly 30 years old or even a male, single instead of married, and maybe you want higher deductibles. Have just a small change in rating criteria could end up in a significant change in the cost of insurance.

Having different needs demonstrates why the best method for finding cheap auto insurance rates for your Toyota is to just take the time to compare rates yourself.

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The specific trim level will likely have an effect on price, so the rate you will pay to insure a Tacoma 2WD trim level will be $56 less than the cost to insure the higher-priced Tacoma Double Cab TRD Sport Package 4WD version, as demonstrated by the prices below.

Toyota Tacoma Insurance Rates in Raleigh, NC
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Tacoma 2WD $186 $386 $250 $14 $74 $910 $76
Tacoma 4WD $214 $318 $250 $14 $74 $870 $73
Tacoma Double Cab 4WD $214 $386 $250 $14 $74 $938 $78
Tacoma X-Runner 2WD $214 $456 $250 $14 $74 $1,008 $84
Tacoma Double Cab 4WD $242 $386 $250 $14 $74 $966 $81
Tacoma Double Cab TRD Off-Road Package 4WD $242 $386 $250 $14 $74 $966 $81
Tacoma Double Cab TRD Sport Package 4WD $242 $386 $250 $14 $74 $966 $81
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Above prices assume married male driver age 30, no speeding tickets, no at-fault accidents, $100 deductibles, and North Carolina minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Table data does not factor in vehicle location which can influence coverage rates considerably.

Insuring your vehicle with the top auto insurance company is hard considering how many companies sell coverage in North Carolina. The rank data in the next section may help you decide which insurers you want to consider when shopping car insurance rates for a Toyota Tacoma.

These ratings are only comprised of companies that insure vehicles nationwide, so smaller companies are not taken into consideration for this list. If you’d like to compare prices from these top-rated insurers and more, simply click here.

Top 10 Major Auto Insurers in Raleigh Ranked by Claims Service

  1. Travelers
  2. Nationwide
  3. Allstate
  4. State Farm
  5. Liberty Mutual
  6. GEICO
  7. American Family
  8. Esurance
  9. Titan Insurance
  10. AAA Insurance

Top 10 Major Auto Insurers in Raleigh Ranked by Customer Service

  1. USAA
  2. Travelers
  3. AAA Insurance
  4. Nationwide
  5. Safeco Insurance
  6. Progressive
  7. State Farm
  8. The Hartford
  9. The General
  10. Esurance

Illustration showing the impact of accidents and violations

The easiest method to earn the cheapest insurance premiums in Raleigh for a Tacoma is to pay attention while driving and avoid accidents and violations. The illustration below highlights how traffic violations and accidents can affect auto insurance rates for each age group. The prices are based on a single female driver, full coverage, $100 deductibles, and no discounts are applied.

In the previous example, the average cost of a car insurance policy in Raleigh per year with no accidents or violations is $1,729. Receive two speeding tickets and the average cost hikes up to $2,330, an increase of $601 each year. Then include two accidents along with the two speeding tickets and the yearly cost of insurance for a Toyota Tacoma increases to an average of $4,414. That’s an increase of $2,685, or $224 per month, just for not being more responsible behind the wheel!

Why it’s important to shop around

Raleigh insurance rates are determined by lots of factors which can substantially change the policy price. Simply getting older, moving to a different location, or getting a DUI may prompt premium changes that can now make some companies cheaper than competitors. And not only may your rating factors change, but auto insurance companies change premium rates at least once a year in order to remain profitable. An extended period of higher than normal claims can cause more expensive prices, while long-term profits can result in cheaper Tacoma insurance rates.

To help illustrate this point, the bar chart below shows the cheapest car insurance in Raleigh, NC for a 35-year-old female driver with a good driving record, no prior claims, and good credit. Based on her personal risk profile, Progressive has the cheapest car insurance rates in Raleigh at $727 per year. This is $145 less than the average policy premium paid by North Carolina drivers of $872. Utica National, NC Farm Bureau, Liberty Mutual, and Penn National also make the list of the cheapest Raleigh, NC auto insurance companies.

In the next rate comparison, we’ll give the driver from the above example a claim, poor credit, and a few blemishes on her driving record. Since every car insurance company uses their own calculation to set premium rates, analyzing rate quotes most likely will result in a significantly different list of the cheapest Raleigh car insurance companies as shown below.

Titan now has the cheapest rate in Raleigh, NC with State Farm, Auto-Owners, Utica National, and Allied also having competitive pricing. This example demonstrates why consumers need to shop around with many companies when trying to find the most budget-friendly auto insurance quotes for a Toyota Tacoma. Rates can be determined by many factors and can change substantially, so the best company the last time you checked may now not even be in the top five.