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What’s everyone paying for insurance on their 2018 Offroads

Discussion in '3rd Gen. Tacomas (2016+)' started by Turtle3000, Jul 14, 2019.

  1. Jul 14, 2019 at 7:27 AM
    #1
    Turtle3000

    Turtle3000 [OP] Member

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    So, I leased a 2018 DCSB off-road a little over a year ago and I was going through my financials today, when I discovered my insurance had been raised to $2150 a year. It seems high to me, and I was just curious what others were paying before I start down the rabbit hole of negotiation and pricing other insurance.... Back story I’m 37 with no tickets in 9 years and good credit. How about you guys, what are you paying?
     
  2. Jul 14, 2019 at 7:29 AM
    #2
    Boghog1

    Boghog1 Jack of all trades, master of none.

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    Southern, NH
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    2019 AC V6 4x4 SR
    It's going to vary by state and coverage limits and deductibles.

    ETA age will also play a huge part as well
     
    whatstcp, hr206 and JoeCOVA like this.
  3. Jul 14, 2019 at 7:32 AM
    #3
    JoeCOVA

    JoeCOVA IG @MightyJoeFlannel

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    First Name:
    Joe
    Colorado Springs
    Vehicle:
    2017 DCSB TRD OR
    35" Trepadors w/ OMF Beadlocks, Kings, OBA, 5.29s etc
    Too many variables.
     
  4. Jul 14, 2019 at 7:34 AM
    #4
    IEsurfer

    IEsurfer Well-Known Member

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    Socal
    Vehicle:
    2018 TRD OR 4x4 Cement
    130 a month with state farm. Full coverage $500 deductible
     
  5. Jul 14, 2019 at 7:40 AM
    #5
    MA250

    MA250 Well-Known Member

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    Stock
    850 a year full coverage in Mass 1000 deduct on a 2019 TRD PRO. Discount with house same insurance company
     
  6. Jul 14, 2019 at 7:40 AM
    #6
    JoeCOVA

    JoeCOVA IG @MightyJoeFlannel

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    First Name:
    Joe
    Colorado Springs
    Vehicle:
    2017 DCSB TRD OR
    35" Trepadors w/ OMF Beadlocks, Kings, OBA, 5.29s etc
    There multiple levels of full coverage. Are you 25k property damage or 100k. Are you 50k injury or 300k. Do you have rentals and roadside etc etc etc
     
    whatstcp, FFBlack and Boghog1 like this.
  7. Jul 14, 2019 at 7:41 AM
    #7
    MA250

    MA250 Well-Known Member

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    2019 Tacoma TRD Pro
    Stock
    500K injuries 250Damage
     
  8. Jul 14, 2019 at 7:53 AM
    #8
    Chew

    Chew Not so well known user

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    First Name:
    Chewy
    Vehicle:
    19 TRD OR
    new car air freshener (vent style), tires @32 psi, LED flashlight in glovebox
    Waaaayyyy too many.
     
    whatstcp and Boghog1 like this.
  9. Jul 14, 2019 at 8:04 AM
    #9
    wsutaco

    wsutaco Well-Known Member

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    Vehicle:
    18 TRD ORDCSB
    $97 geico $500 deductible 300/100/300.
     
  10. Jul 14, 2019 at 8:10 AM
    #10
    KY_Rob

    KY_Rob Well-Known Member

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    Rob
    Northern Kentucky
    Vehicle:
    2018 DCSB TRD-OR
    Tinted front windows WeatherTech Vent Shades Hondo Garage ARFCOM Radio Knobs Perfect Squeeze Phone Mount Taco Garage DMM Coverking CR-Neoprene seat covers OEM Matte Black Badging Covers OEM TRD Pro grille 4x white grille lights Black textured rear bumpershellz Total Chaos Bed Stiffeners A/C Drain Mod MESO Ultimate Turn Signals MESO Extended Fuse Box Cover MESO Ultimate Map Lights MESO Ultimate Dome Light MESO Gasshole MESO Minimalist Key Fob OEM TRD Pro Rear Lights OEM TRD Pro Skid Plate OEM Bed Mat Lomax Hard Tri-Fold Tonneau MESO Stage 2 Total Tails MESO Puddle Pods Kicker speakers throughout (Subaru tweeters)
    I’m 45, and pay State Farm $573 every 6 months for my ‘18 TRD-OR. Full coverage, $500 ded. No claims in 10 years (knocking on wood, pinch of salt over shoulder, standing on right foot and hopping in a circle to the left, while tugging right ear lobe...)
     
  11. Jul 14, 2019 at 8:12 AM
    #11
    DoggMan1163

    DoggMan1163 DoggMan1163

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    2020 Taco TRD off road
    I pay 178. For 2 vehicles my 18 taco and my wife's 19 Buick full coverage
     
  12. Jul 14, 2019 at 8:19 AM
    #12
    tacoWithstickyrice

    tacoWithstickyrice Well-Known Member

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    '19 DCSB TRD OffRoad 4x4
    3200 per year for 3 vehicles full coverage, 100/300/100. 1000 deductible, uninsured/underinsured coverage, no rental but roadside. Progressive in Ca and in a zip code that raised my rates for some reason.
     
  13. Jul 14, 2019 at 9:31 AM
    #13
    Shades_Of_Red

    Shades_Of_Red Well-Known Member

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    Pittsburgh, PA
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    2019 Tacoma TRD Off Road Premium Calvary Blue
    Some of you look like you have good rates. Mine is over $1300 per year full coverage. Do you have full tort or limited tort.
     
  14. Jul 14, 2019 at 9:37 AM
    #14
    Itchyfeet

    Itchyfeet I slept with Rachel and Josh was cool about it

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    I have State Farm full coverage, high limits, $500 deducts and i'm paying $58 a month. I also have other policies with them.

    2018 TRD OR if that matters
     
  15. Jul 14, 2019 at 9:43 AM
    #15
    melikeymy beer

    melikeymy beer Hold my beer and watch this

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    I live in OK and none of us have insurance. Y'all come for a visit anytime.
     
    hyphur, whatstcp, BBPSR54X4 and 2 others like this.
  16. Jul 14, 2019 at 9:48 AM
    #16
    Riotfunk

    Riotfunk Well-Known Member

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    Taco TRD off road
    850 a year in mass, 36Y/O no tickets in 18 years+. Full coverage, highest limits and rental, 250 deductible, 4k in aftermarket options covered and off road coverage. 2018 offroad fully loaded. I mean I only pay 30 a month on a street bike with full coverage. Its area determined. In Mass my yearly cost is the same as the monthly cost in NY.
     
    SweetT likes this.
  17. Jul 14, 2019 at 11:50 AM
    #17
    TacoBella

    TacoBella Well-Known Member

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    First Name:
    Tom
    Vehicle:
    2016 Tacoma (SOLD) Ford Ranger Lariat purchased
    Running boards AVS Bug Deflector. TruXedo Lo Pro
    Max coverages
    300-500k Liability
    under and uninsured $300-500k
    500 deductible Col and Comp
    Allstate
    Perfect credit no ticks or accidents

    $623 a year. Little lower than Tacoma.
     
    gilligoon likes this.
  18. Jul 14, 2019 at 11:54 AM
    #18
    hr206

    hr206 Well-Known Member

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    Western Washington
    Vehicle:
    '16 DCSB TRD OR, '98 regular cab 4x4
    Max coverage, perfect credit, no tickets/accidents. $637/yr. Pemco. Too many variables and varies too much state-to-state to really compare.
     
    Boghog1 likes this.
  19. Jul 14, 2019 at 12:11 PM
    #19
    shakerhood

    shakerhood Well-Known Member

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    Southern Ohio
    Vehicle:
    2017 MGM DCSB Off Road, 6 Speed MT, P&T
    On my 2017 it roughly $500 every 6 months.
     
  20. Jul 14, 2019 at 12:29 PM
    #20
    HacksawMark

    HacksawMark Well-Known Member

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    OREGON
    Vehicle:
    2018 Silver Tacoma V6 DCSB TRD OffRoad traded for 2019 Ford XLT 3.5L EcoBoost SC
    Generally, leasing a vehicle will be more expensive to insure as the leasing company wants you to carry higher coverage than what most will carry. That being said, I'd shop your auto insurance around to see if you can get a better rate.
     

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