Buying cheap coverage for a Toyota Tacoma in South Carolina is dependent upon a complicated rating formula that uses factors such as age of the driver, where you live, and driving violations and tickets. South Carolina drivers pay on average $1,194 a year to insure their Tacoma, but that price is calculated using a 30-year-old single male driver with full comprehensive and collision coverage and $250 deductibles.
There's a high likelihood you are not 30 years old and maybe not even male, married instead of single, or maybe you're a renter instead of a homeowner. Everone's needs are different, and this illustrates why the only way to find the cheapest coverage for your Toyota is to compare rates from as many companies as possible. Compare rate quotes now and you can get prices from some of the cheapest companies available.
The trim level of your Toyota will be a contributing factor to the insurance rate, so the rate you pay to insure a Tacoma 2WD trim level will be $78 less expensive the price to insure the more well-appointed Tacoma Double Cab TRD Sport Package 4WD trim level, as shown in the prices below.
|Model||Comp||Collision||Liability||Medical||UM/UIM||Annual Premium||Monthly Premium|
|Tacoma Double Cab 4WD||$300||$444||$448||$26||$134||$1,352||$113|
|Tacoma X-Runner 2WD||$300||$524||$448||$26||$134||$1,432||$119|
|Tacoma Double Cab 4WD||$340||$444||$448||$26||$134||$1,392||$116|
|Tacoma Double Cab TRD Off-Road Package 4WD||$340||$444||$448||$26||$134||$1,392||$116|
|Tacoma Double Cab TRD Sport Package 4WD||$340||$444||$448||$26||$134||$1,392||$116|
|Get Your Own Custom Quote Go|
Premium data assumes single male driver age 30, no speeding tickets, no at-fault accidents, $250 deductibles, and South Carolina minimum liability limits. Discounts applied include safe-driver, multi-policy, claim-free, multi-vehicle, and homeowner. Prices do not factor in vehicle garaging location which can raise or lower coverage rates noticeably.
Best insurance company in South Carolina
Buying coverage from the top insurer is hard considering how many choices drivers have in South Carolina. The rank data shown below could help you choose which auto insurance companies to look at when comparing rate quotes. The rankings below are only comprised of companies that write coverage in many states, so companies without a large exposure are not taken into consideration for these rankings.
Top 10 Large Auto Insurers in South Carolina Ranked by Customer Satisfaction
- USAA - 91%
- AAA Insurance - 90%
- Esurance - 90%
- Nationwide - 89%
- Travelers - 88%
- Progressive - 88%
- Safeco Insurance - 88%
- State Farm - 88%
- Allstate - 88%
- The Hartford - 87%
Top 10 Large Auto Insurers in South Carolina Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Top Companies for Toyota Tacoma Insurance in South Carolina
The diagram below shows how different deductible levels can change annual premium costs when trying to find cheap insurance for a Toyota Tacoma in South Carolina. The premiums are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
A 40-year-old driver could lower their policy premium by $274 a year by switching the physical damage coverage from a $100 deductible up to a $500 deductible, or save $412 by switching to a $1,000 deductible. Youthful drivers, like the Age 20 category, could potentially save as much as $922 or more by choosing larger deductibles on their policy.
If you make the decision to raise deductibles, it will be required to have additional funds in a savings account to satisfy the extra out-of-pocket expense, which is the one inconvenience of using high deductibles.
How much more does full coverage cost in South Carolina?
Reducing the cost of insurance should be important to most vehicle owners, and one of the quickest ways to find cheap insurance for a Toyota Tacoma in South Carolina is to not insure for full coverage. The example below illustrates the difference between insurance prices with liability coverage only compared to full coverage. Data assumes no claims, a clean driving record, $500 deductibles, single status, and no other discounts are factored in.
Averaged for all ages 20 through 70, physical damage coverage costs an extra $1,871 per year over having just liability coverage. Many of you may wonder if buying full coverage is worth the expense. There is no clear-cut rule to stop paying for full coverage on your policy, but there is a general guideline you can use. If the annual cost of coverage is more than 10% of any settlement you would receive from your insurance company, then you might want to think about dropping full coverage.
How to find low-cost car insurance for a Toyota Tacoma in South Carolina
Lowering your rates is not difficult, and here are a few thrifty solutions that can help drivers get cheap coverage.
- Being accident-free can lower rates significantly
- Save money by insuring older vehicles for liability only
- Frequent claims may make car insurance unaffordable
- Bundle home and auto and earn a discount
- Safe vehicles cost less to insure
- Just one traffic violation will increase your rates
- Comparison shop at least every other year
The final tip is certainly crucial, as we hit on in this article. Coverage prices change frequently, so don't be hesitant to buy a different policy if you find a cheaper price. Many drivers have brand loyalty and that's fine, but it's not a good idea if that devotion results in you overpaying a considerable chunk of change every month. If you have a few minutes, compare rates and find cheaper auto insurance for a Toyota Tacoma.