Toyota Tacoma Insurance Cost in Minnesota
Official 2026 rate study for insuring a Toyota Tacoma in Minnesota (MN). Compare full coverage against state minimum liability (30/60/10), model year depreciation, and major carrier underwriting benchmarks.
Official Specification & Legal Compliance Records
📊 Key Statistics: Toyota Tacoma in Minnesota (2026)
Journalists, automotive researchers, and academic writers may cite and reuse these localized actuarial figures with attribution to AutoInsure.online.
AutoInsure.online (2026 Minnesota Auto Insurance Index)
Toyota Tacoma Rates by Model Year in Minnesota
Depreciation schedule calculated for Minnesota insurance premiums from 2012 to 2026.
| Model Year | Full Coverage (Annual) | Full Coverage (Monthly) | State Min Liability | Savings vs 2026 | Coverage Advice |
|---|---|---|---|---|---|
| 2026 | $1,354 | $113/mo | $47/mo | Baseline | Full Coverage (Comp + Collision) |
| 2025 | $1,303 | $109/mo | $48/mo | -4% | Full Coverage (Comp + Collision) |
| 2024 | $1,255 | $105/mo | $48/mo | -7% | Full Coverage (Comp + Collision) |
| 2023 | $1,211 | $101/mo | $49/mo | -11% | Full Coverage (Comp + Collision) |
| 2022 | $1,169 | $97/mo | $49/mo | -14% | Full Coverage (Comp + Collision) |
| 2021 | $1,130 | $94/mo | $50/mo | -17% | Full Coverage ($1,000 Deductible) |
| 2020 | $1,093 | $91/mo | $50/mo | -19% | Full Coverage ($1,000 Deductible) |
| 2019 | $1,059 | $88/mo | $51/mo | -22% | Full Coverage ($1,000 Deductible) |
| 2018 | $1,028 | $86/mo | $51/mo | -24% | Full Coverage ($1,000 Deductible) |
| 2017 | $998 | $83/mo | $52/mo | -26% | Consider 10% Rule (Liability Only) |
| 2016 | $970 | $81/mo | $52/mo | -28% | Consider 10% Rule (Liability Only) |
| 2015 | $944 | $79/mo | $53/mo | -30% | Consider 10% Rule (Liability Only) |
| 2014 | $919 | $77/mo | $53/mo | -32% | Consider 10% Rule (Liability Only) |
| 2013 | $897 | $75/mo | $54/mo | -34% | Consider 10% Rule (Liability Only) |
| 2012 | $875 | $73/mo | $54/mo | -35% | Consider 10% Rule (Liability Only) |
Toyota Tacoma Rates by Driver Age in Minnesota
Actuarial loss-cost surcharges and discounts applied by Minnesota carriers based on driver experience.
Estimated Quotes by Carrier: Toyota Tacoma in Minnesota
Sample underwriting benchmarks across major carriers serving Minnesota drivers.
| Insurance Carrier | A.M. Best Rating | Estimated Monthly | Estimated Annual | Action |
|---|---|---|---|---|
| State Farm | A++ | $108/mo | $1,296/yr | |
| Progressive | A+ | $121/mo | $1,452/yr | |
| GEICO | A++ | $108/mo | $1,296/yr | |
| Allstate | A+ | $119/mo | $1,428/yr |
Frequently Asked Questions: Toyota Tacoma Insurance in Minnesota
How much does it cost to insure a Toyota Tacoma in Minnesota? ▾
Full-coverage car insurance for a Toyota Tacoma in Minnesota averages approximately $113 per month ($1,354 per year). Drivers opting for statutory state minimum liability (30/60/10) pay approximately $47 per month ($569 per year).
Is Toyota Tacoma insurance cheaper or more expensive in Minnesota? ▾
The Toyota Tacoma is approximately 28% cheaper than the statewide average vehicle insurance rate of $1,880/year in Minnesota. Its Low actuarial risk classification and 5-star crash safety rating help keep physical damage loss ratios stable.
What are the legal minimum insurance requirements for a Toyota Tacoma in Minnesota? ▾
Under Minnesota insurance statutes, any motor vehicle registered in the state must carry at least $30,000 bodily injury per person, $60,000 bodily injury per accident, and $10,000 property damage liability (30/60/10), plus mandatory Personal Injury Protection (PIP) of at least $40,000.
How much does a 16-year-old pay to insure a Toyota Tacoma in Minnesota? ▾
A 16-year-old teen driver on a standalone policy pays approximately $282/month ($3,385/year) for full coverage in Minnesota. Parents can substantially lower this surcharge by adding the young driver to a family multi-car policy and submitting good student grade transcripts.
When should I drop full coverage on an older Toyota Tacoma in Minnesota? ▾
Apply the actuarial 10% Rule: if the annual cost of comprehensive and collision coverage exceeds 10% of your vehicle's actual cash value (ACV), consider switching to state minimum liability only. In Minnesota, this typically occurs around model year 2018 or older.
Compare Toyota Tacoma Insurance Across Other States
See how insurance rates for the Toyota Tacoma vary across different state statutory jurisdictions.