Toyota Tacoma Insurance in Vermont
Rates from $28 – $46/mo minimum coverage, $89 – $148/mo full coverage. Compare top VT carriers below.
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Updated June 2026 · Source: Vermont DOI + IQ rate model
Average monthly premium — 2024 Toyota Tacoma, Vermont
Ranges shown reflect typical driver profiles (clean record, 35-55, average credit, 12k mi/yr). Your actual rate varies by age, credit, prior insurance, and coverage limits. Get a real quote in 2 minutes.
Top carriers for Toyota Tacoma drivers in Vermont
"From" rates are directional based on carrier price-leader behavior, not real quotes. Real rate depends on your driver profile.
Why Toyota Tacoma insurance costs what it does in Vermont
Keeps liability premiums near the baseline for this class.
No theft-rank surcharge on comprehensive premium.
Parts cost and claim severity sit near the national average.
Vermont requires 25/50/10 liability + 50/100 UM. Rural geography, low density, and a clean-record driver base give Vermont auto insurance premiums comparable to Maine's — among the cheapest in the country.
Frequently asked questions
01How much is Toyota Tacoma insurance in Vermont?
Vermont drivers of a 2024 Toyota Tacoma pay about $89 – $148 per month for full coverage, or roughly $28 – $46 per month for minimum coverage. Your actual rate depends on age, credit, driving history, mileage, and coverage limits — a real quote from a licensed agent typically takes under 2 minutes.
02Is full coverage required on a financed Tacoma?
Yes. If your Tacoma has a loan or lease, the lender will require both comprehensive and collision (together "full coverage") for the duration of the loan. Vermont law itself only requires the state liability minimums (25/50/10 plus 50/100 UM), but the lender's contract overrides that.
03What's the cheapest carrier for a Tacoma in Vermont?
Cheapest varies by driver profile, but in Vermont the major carriers most often quoting the lowest premiums for a Tacoma are GEICO, Progressive, and State Farm. Regional carriers (Concord Group and Vermont Mutual) sometimes beat the majors for clean-record drivers. The only way to know is to compare 3-4 quotes side by side.
04Is insurance more expensive for a truck like the Tacoma in Vermont?
Slightly. Trucks like the Tacoma typically carry 8-15% higher full-coverage premiums than mainstream sedans because of higher repair costs and higher claim severity in collisions. Vermont's base rates apply the same way, but the vehicle-side modifier pushes the final premium up.
05Does Vermont require SR-22 after a DUI for a Tacoma?
After a DUI, Vermont requires an SR-22 filing from your insurer certifying you carry the state minimum coverage. The filing itself is usually $25, but the underlying premium for a Tacoma typically jumps 60-150% for 3-5 years after the DUI. Some carriers won't write new SR-22s — Progressive, Travelers, and The General are the most common SR-22 writers.