The Toyota Tacoma has been getting people where they need to go (and helping haul heavy loads) since 1995.
As a Tacoma driver, you have the opportunity to choose Toyota Tacoma insurance that works best for your needs. Whether you’re driving down to the food co-op for your weekly supply of kombucha, or carpooling the neighborhood kids to soccer practice, you should feel confident that your car insurance has your safety, your wallet, and the planet in mind. That’s where Lemonade car insurance comes in.
We offer Tacoma drivers super customizable coverage options, great bundles, discounts for things like safe and low-mileage driving, and so much more. Wondering if Lemonade Car has the best Toyota Tacoma auto insurance rates? Read on.
Here’s what we’ll discuss:
- Where does Lemonade Car offer Toyota Tacoma insurance?
- How can I customize auto insurance coverage on my Toyota Tacoma?
- How can I save money on Toyota Tacoma car insurance?
- How safe is a Toyota Tacoma compared to other cars?
- Does a Toyota Tacoma have additional safety features?
- Is a Toyota Tacoma eco-friendly?
And just a quick FYI—Lemonade, Inc. is not affiliated with or endorsed by Toyota Motor Corporation or its subsidiaries.
Where does Lemonade Car offer Toyota Tacoma insurance?
Lemonade Car is constantly growing and expanding. If you want to see if Lemonade Car is currently available in your state, check here and start a quote (if we haven’t made it to your state yet, you’ll be able to sign up for updates via our waitlist).
Can I customize insurance coverage for my Toyota Tacoma?
Yes! Lemonade Car coverage for your Toyota Tacoma is extremely customizable. Besides needing some bodily injury and property damage liability coverage—which are both required by law to get behind the wheel in almost all cases—you’ll be able to tailor your coverage, limits, deductibles, start date, and more to your needs.
We offer multiple avenues for our policyholders to customize their car insurance policy with additional coverage—like comprehensive coverage and collision coverage (if you’re confused about those distinctions, we clear it up here).
Once you have both comprehensive and collision insurance on your policy, you can also include things like temporary transportation coverage and extended glass coverage to help keep you and your Toyota Tacoma protected.
Want to keep your Tacoma’s precious cargo protected too? That’s where medical payments coverage (MedPay) can come in handy. MedPay could help pay the medical bills if you, your passenger, or family member got injured in a car accident.
You might be looking for “full coverage” car insurance—which is a term people use to describe a combination of insurance coverages designed to “fully” cover you in the event of an accident. With Lemonade Car, that’s an option.
It’s important to understand though that a full coverage policy doesn’t mean you’re covered for everything, nor does it guarantee your claims will be approved. Deductibles will apply for most of these coverages, and you’ll only be covered for the coverages you selected.
Keep in mind: The coverages and minimums that you’re required to drive your Toyota Tacoma will vary by state, but you’ll probably want more coverage than the bare bones version you’re legally mandated to get. The question of whether or not you need additional coverage depends on you and the amount of financial protection you believe you need.
How can I save money on my Toyota Tacoma car insurance costs?
There are so many ways you can save on your premium when you drive your Toyota Tacoma with Lemonade Car. Car insurance rates depend on a lot of factors, with a major point of interest for insurance providers being your car’s make, model, and model year.
Lemonade’s auto insurance puts an emphasis on your actual driving behavior, driving record, and the number of miles you drive when determining the fairest Toyota Tacoma insurance rates. You could lower your car insurance premium by driving with the Lemonade app—which gives you the chance to show us how awesome (and safe) of a driver you are, and to potentially get a discount when your policy renews.
We reward low-mileage drivers with savings, and if you need to cover more than one car on your policy, you become eligible for a multi-car discount on your premium. Also, when you bundle your Lemonade Car policy with any of our other insurance products—like renters, homeowners, or pet insurance—we’ll automatically apply a discount.
Safety features that keep you even more protected on the road—like anti-lock braking systems, alarms, and airbags (or the latest Toyota Safety Sense™ feature)—could also help lower your Toyota Tacoma insurance costs.
How does Toyota Tacoma’s safety profile compare to other cars?
A lot of factors determine how safe you are on the road—like traffic conditions, or the weather. But how safe your own vehicle is also makes a major difference. So you might be wondering: How does the Toyota Tacoma stack up to the competition?
The Insurance Institute for Highway Safety (IIHS) releases vehicle safety ratings each year. They conduct tests like track tests and crash tests, as well as evaluations of headlight systems and child seat attachment hardware on lots of major car makes and models. Then they use the results to determine each car’s crashworthiness (how well a vehicle protects its occupants in a crash) and its crash avoidance and mitigation (technology that can prevent a crash, or lessen its severity).
Great news…the 2022 extended cab Toyota Tacoma was rated “Good” in almost all areas of crashworthiness by the IIHS. In addition the Institute rated the Tacoma Superior in terms of its front crash vehicle to vehicle prevention system. Likewise the NHTSA (The National Highway Traffic Safety Administration) has rated all versions of the 2022 Tacoma four out of five stars for safety.
Other top performers in the IIHS tests include the Acura Integra, Mazda 3, and Hyundai Tucson. Want to see how Toyota Tacoma ranked in previous years? Check it out here.
Keep in mind: Driving a car with a high safety rating—like a Toyota Tacoma—could be a great start to protecting you and your precious cargo, depending on the model year and condition. Of course, the choices you make behind the wheel also determine how safely you’ll get from point A to point B.
At Lemonade Car, the way you drive matters. That’s why we use the Lemonade Safety Score—which pulls together several factors about your driving behavior during every 6-month term. Behaviors like texting and harsh braking will lower your score, while easing in and out of turns or daytime driving (when there isn’t traffic) will improve it. Driving safely with the Lemonade app can lower your Toyota Tacoma car insurance rates.
What additional safety features can a Toyota Tacoma offer?
Toyota Tacomas come equipped with lots of features for your safety and convenience. Depending on which features you select, your 2023 model could include:
- Blind Spot Monitor
- Star Safety System
- Integrated Backup Camera with Rear Parking Sonar
- Pre Collision System with Pedestrian Detection
- Lane Departure Alert
Depending on the age and mileage of your Toyota, you may be covered by Toyota for certain upkeep and emergency services on your car.
For example, when you buy a new Toyota Tacoma you’ll automatically be signed up for Toyota Care. With this program you will be eligible for free roadside assistance and a no cost maintenance plan. The roadside assistance plan is available for two years, regardless of mileage, while the maintenance plan is available for two years or 25,000 miles, whichever comes first.
In addition, the Toyota Basic Coverage Warranty will cover your truck for 36 months or 36,000 miles, whichever comes first, and the Powertrain Coverage Warranty will cover your truck for 60 months or 60,000 miles, whichever comes first.
Keep in mind: Warranties typically apply to defects or malfunctions that are the manufacturer’s fault, not things like from a crash or damage from extreme weather—that’s where car insurance comes in—or ordinary wear and tear (which car insurance wouldn’t cover, either).
Are Toyota Tacomas eco-friendly?
Unfortunately for eco-friendly drivers, the Toyota Tacoma does not yet come in a hybrid version.
According to the EPA, the 2022 and 2023 2WD Toyota Tacoma gets 20 MPGs in the city, and 23 MPGs on the highway. This will cost you about $2,500 in gas a year. The 2022 and 2023 4WD Toyota Tacoma gets 19 MPGs in the city and 22 MPGs on the highway. This will cost you about $2,650 in gas a year.
Keep in mind: Until there comes a day when Toyota goes fully carbon-neutral, your Tacoma will still be powered by fossil fuels—which results in the release of carbon emissions.
That’s why at Lemonade Car we plant trees based on your mileage to help shrink your carbon footprint from driving. We’re also proud to be the first US insurance company to publicly forswear investment in fossil fuels. It’s our small way of making the world a little bit greener, and helping us all breathe a little bit easier.
Ready to get trucking in your Tacoma?
So, what’s the best car insurance for your Toyota Tacoma? Glad you asked. We’re a bit biased, but… when you cover your Toyota Tacoma with Lemonade Car, you can enjoy great coverage, score savings and discounts, and help make the planet a little greener for generations to come.
Ready to take Lemonade Car for a spin in your Tacoma? Click the button below to get your free quote.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage may not be available in all states.