A 2019 Toyota Tacoma owner in suburban Maine pays about $1,700 to $2,000 per year for full coverage insurance. This is roughly $150 to $250 less than the national average for similar trucks. The latest 2026 data shows Tacoma drivers pay an average of $146 per month, or $1,752 annually, for full coverage nationwide. Insurance for older models like your 2019 Tacoma is typically 10% lower, placing your cost near $1,575 to $1,800 per year. Maine drivers often pay slightly higher rates due to weather risks, but the Tacoma's safety features still help keep costs down.
Here is how the cost breaks down by coverage type:
| Coverage Type | Monthly Cost | Annual Cost |
|---|---|---|
| Liability Only | $83 | $996 |
| Full Coverage | $146 | $1,752 |
| 2019 Model Avg | $135 | $1,620 |
Full coverage includes collision, comprehensive, and liability. Liability only covers damage you cause to others. The 2019 model is cheaper than newer trims because it has a lower replacement value.
Factors that change your rate include:
- Age: Drivers over 40 pay about 15% less than young drivers.
- Driving Record: One speeding ticket can add $200 to $400 per year.
- Credit Score: Good credit lowers rates by up to 20%.
- Location: Suburban Maine (04107) is mid-range compared to rural or city areas.
Top insurers for the 2019 Tacoma include GEICO, State Farm, and USAA. GEICO offers the best rates for most drivers, averaging $528 per year for liability and $1,643 for full coverage on similar models. USAA is cheapest for military members, at $1,526 per year.
You can save money by:
- Choosing a $1,000 deductible instead of $500, which lowers monthly costs by $15 to $25.
- Bundling with home insurance to save 10% to 15%.
- Taking a defensive driving course for a 5% discount.
Sidekick can help you find the best rate by comparing quotes from multiple insurers in real time. Use our tool to get personalized estimates for your 2019 Tacoma in Maine.