Rates quoted on July 28, 2026, for an 18-year-old female driver with a clean record in Boulder, CO (ZIP 80304). Your rate will vary based on credit, prior coverage, and the carrier’s underwriting. InsuranceRateGuard.com earns revenue through advertising and referral relationships, always disclosed.

2017 Toyota Tacoma insurance costs an 18-year-old Boulder driver anywhere from $2,146.00 to $5,613.00 for six months, depending on which carrier she calls. Four carriers quoted this profile on the same morning. Progressive came in cheapest on this profile at $2,146.00. Liberty Mutual quoted $5,613.00 for the same six months.

That $3,467.00 spread is 2.6 times the low quote. Only one thing changed between those two numbers, and it was the name on the policy. The driver, the truck, the ZIP code, and the coverage limits stayed locked in place across every quote.

Three of the four carriers matched the full coverage target exactly. The fourth, The General, could not reach $100,000 property damage anywhere in Colorado, so its price is not comparable to the other three. That limitation is spelled out below rather than buried in a footnote, which keeps this 2017 Toyota Tacoma insurance comparison honest at equal protection.

The Driver Profile

Every 2017 Toyota Tacoma insurance quote below used this same set of inputs:

• 18-year-old single female driver
• Lives in Boulder, CO (ZIP 80304), five years at the address
• Licensed two years, clean record, no DUI and no SR-22 requirement
• Employed full time, renter, no homeowner or multi-car discount available
• Drives a 2017 Toyota Tacoma TRD Sport Double Cab, financed through TD Auto Finance
• Commutes 25 miles each way, about 15,000 miles a year
• One year with Progressive at 100/300 limits, no lapse in coverage

Age is the heavy factor here, and it swamps everything else. A driver with a spotless two-year record still lands in the most expensive age band any carrier prices. Carriers do not treat a clean 18-year-old the way they treat a clean 38-year-old, and the numbers below show exactly how wide that difference runs.

The financed truck matters too. A lienholder requires comprehensive and collision coverage, so dropping physical damage to cut the bill is not an option on this profile.

The Coverage Package

Each carrier was asked for the same limits:

• Bodily injury liability: $100,000/$300,000
• Property damage liability: $100,000
• Uninsured/underinsured motorist coverage: $100,000/$300,000
• Comprehensive deductible: $500
• Collision deductible: $500

InsuranceRateGuard.com uses this package on every carrier comparison so premiums stay comparable from one write-up to the next. GEICO, Progressive, and Liberty Mutual all hit these limits exactly on their 2017 Toyota Tacoma insurance quotes. The General reached every line except property damage, which Colorado caps at $50,000 on its highest liability tier.

Colorado law shapes two lines here that shoppers rarely control. The Colorado Division of Insurance confirms that $5,000 in medical payments coverage is included in every policy unless the buyer rejects it in writing, and that UM/UIM works the same way. GEICO’s quote carried that $5,000 medical payments line with no option to remove it.

2017 Toyota Tacoma Insurance Quotes by Carrier

CARRIER	LIMITS QUOTED	6-MONTH PREMIUM	MONTHLY	VS. LOWEST
Progressive	100/300, $100K PD	$2,146.00	$357.67	baseline
GEICO	100/300, $100K PD	$3,436.50	$572.75	+$1,290.50
Liberty Mutual	100/300, $100K PD	$5,613.00	$935.50	+$3,467.00
The General*	100/300, $50K PD	$4,258.50	$709.75	lower limits, not comparable

*The General was quoted at 100/300 bodily injury with $50,000 property damage, the highest property damage limit it offers in Colorado. Its price reflects less coverage, not a better deal at equal protection.

Source: InsuranceRateGuard.com quote data, July 2026. Quotes pulled directly from each carrier’s website using the profile above.

Every 2017 Toyota Tacoma insurance figure above is a six-month pay-in-full total, not an installment plan. Progressive’s installment option ran $2,374.50 for the same term, $228.50 higher once financing fees landed. The General quoted a 12-month term at $8,517.00, halved here to $4,258.50 so it lines up with the six-month column.

Two disclosures belong with these numbers. Liberty Mutual bakes its RightTrack telematics program into the quote with no control to decline it, while GEICO’s DriveEasy and Progressive’s Snapshot were both turned down, so Liberty Mutual’s figure already assumes the driver will share driving data. Colorado also permits credit-based insurance pricing, and none of the four carriers flagged a credit lookup failure, so these are real rated quotes rather than no-credit-hit estimates.

Carrier-by-Carrier Breakdown

Progressive

Progressive quoted $2,146.00 for six months, the lowest full-limits 2017 Toyota Tacoma insurance price of the four carriers on this profile. Snapshot loaded pre-enrolled and had to be actively declined, which is worth knowing before anyone trusts a headline Progressive number. The quote also treats this driver as new business rather than a renewal, even though her prior carrier is Progressive, so it carries no loyalty credit she might otherwise earn. Her continuous-coverage credit did apply, since she showed a full year of prior insurance at matching 100/300 limits.

GEICO

GEICO landed at $3,436.50 for six months, $1,290.50 above Progressive for identical protection. The starting quote read $3,174.50, but that number rested on $50,000 property damage and $1,000 deductibles rather than the target package. Raising every line to match cost $262.00, which is a useful reminder that a default 2017 Toyota Tacoma insurance quote is not the coverage most buyers picture. The driver declined DriveEasy, and GEICO’s $5,000 medical payments line stayed in the quote because Colorado includes it by default.

Liberty Mutual

Liberty Mutual quoted $5,613.00 for six months, the highest full-limits figure in this comparison by a wide margin. Its opening Basic preset showed $4,693.00, but that package carried 25/50 bodily injury limits and $1,500 deductibles, so it bought far less protection. Editing up to the target package produced the final number. RightTrack telematics is built into that price with no decline control, and the quote already credits $1,696.02 in discounts, so the $5,613.00 is what remains after Liberty Mutual applied everything it had.

The General

The General could not reach the target coverage, which is the first thing to know about its $4,258.50 six-month figure. Colorado caps its liability at 100/300/50, so property damage tops out at $50,000 against the $100,000 standard used everywhere else in this comparison. Bodily injury, uninsured motorist limits, and both $500 deductibles all matched the target exactly, so the gap is narrow but real. Ranking that price against the other three would compare unequal policies, which is why it sits outside the ranked rows.

What Drives Truck Insurance Costs in Boulder

Age does most of the work in these 2017 Toyota Tacoma insurance numbers. The Insurance Institute for Highway Safety reports that the fatal crash rate per mile driven for 16-to-19-year-olds runs just over three times the rate for drivers 20 and older. Carriers price that risk directly, and no clean record fully offsets it at 18. Our car insurance by state guide covers how each state handles young-driver pricing.

The gap between this profile and a typical Colorado driver is easy to measure. MoneyGeek puts average Colorado full coverage at $146 a month, or $1,754 a year, based on a 40-year-old with a clean record and good credit. Progressive’s $357.67 monthly equivalent runs about 2.4 times that benchmark. Liberty Mutual’s $935.50 monthly equivalent runs roughly 6.4 times it.

Colorado itself is not a cheap state to insure a truck. MoneyGeek data shows full coverage in Colorado sitting 18 percent above the $124 national monthly average, with hailstorms causing more than $1 billion in vehicle damage statewide each year. Hail hits comprehensive claims hard, and a Tacoma parked outside is exactly the kind of exposure that drives those losses.

Credit works differently here than in a handful of other states. Colorado permits credit-based insurance scores, and MoneyGeek puts the swing at $147 a month for good credit against $298 for bad credit on full coverage. That single factor can outweigh carrier choice for some drivers, and our explainer on credit score vs credit-based insurance score breaks down how the two differ.

Coverage choices carry more weight in Colorado than in most states. The Division of Insurance notes that 15 to 20 percent of Colorado drivers carry no insurance at all, which makes uninsured motorist coverage a practical purchase rather than a paperwork item. The state also requires carriers to offer collision deductibles of $100 or $250, and those low defaults inflate premiums for anyone who does not change them.

The truck itself sits in the middle of the pack. A Tacoma is a mid-size pickup with a solid theft record and moderate repair costs, and this one is nine years old, so its actual cash value limits what any physical damage claim can pay out. Our guide to car insurance rates by vehicle type covers how pickups compare with sedans and SUVs. On this profile the vehicle is a minor factor next to the driver’s age.

How to Save on Insurance

Here’s what moves a 2017 Toyota Tacoma insurance price down most on a profile like this one:

1. Quote at least four carriers before signing anything. The $3,467.00 spread on this single profile is larger than most drivers’ entire annual premium.
2. Open the coverage editor before you trust any quoted price. GEICO opened at $50,000 property damage and $1,000 deductibles, and Liberty Mutual opened at 25/50 limits, so neither starting number reflected real full coverage.
3. Ask about staying on a parent’s policy if that option exists. MoneyGeek puts an 18-year-old female on a Colorado family policy at $3,932 a year, below this driver’s standalone Progressive annual equivalent of $4,292.
4. Decline telematics only after you price it both ways. Liberty Mutual builds RightTrack into its rate with no opt-out, while GEICO and Progressive let you choose, and the discount can be worth taking if your driving is steady.
5. Raise your deductible once you can cover it out of pocket. Colorado carriers must offer $100 and $250 collision deductibles, and those low defaults quietly raise the premium.
6. Re-shop at every renewal until you turn 25. Young-driver surcharges fall off in steps, and carriers do not always reprice you the moment your age band changes.

Nothing on this list requires a different truck or a different city. On this profile the two biggest levers are carrier choice and time, and only one of them costs an hour of quoting.

Sources Used

• Colorado Division of Insurance: minimum liability limits, default medical payments and UM/UIM coverage, required collision deductible offers, and the state uninsured-driver estimate
• Insurance Institute for Highway Safety: fatal crash rate per mile driven for drivers ages 16 to 19
• MoneyGeek: Colorado average full coverage premiums, teen-driver family-policy rates, credit-score impact, and statewide hail damage
• InsuranceRateGuard.com quote data, July 2026: Progressive, GEICO, Liberty Mutual, and The General premiums for this profile

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For related reading, see our state-by-state guide to car insurance and our breakdown of 2022 Toyota RAV4 insurance rates in Houston, TX for another vehicle-specific comparison.