Toyota Tacoma vs Ford F-150 Insurance Cost
The Toyota Tacoma is cheaper to insure by about $205 a year for full coverage by our estimate ($1,375 vs. $1,580), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Toyota Tacoma | Ford F-150 | Difference |
|---|---|---|---|
| State minimum | $535 | $665 | −$130 |
| Standard (100/300/100) | $780 | $960 | −$180 |
| Full coverage | $1,375 | $1,580 | −$205 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Tacoma minus F-150.
Why one costs more to insure
| Factor | Toyota Tacoma | Ford F-150 |
|---|---|---|
| Segment | Pickup truck | Pickup truck |
| Powertrains | Gasoline, Hybrid | Gasoline, Hybrid, Diesel, Flex-fuel |
| HLDI collision (100 = avg) | 87 | 92 |
| HLDI comprehensive | 86 | 84 |
| HLDI property damage liability | 73 | 110 |
| HLDI bodily injury liability | 85 | 121 |
| NHTSA overall rating | 4★ | 5★ |
| NICB most-stolen rank | Not in top 10 | #7 |
| Recalls (latest 3 model years) | 7 | 23 |
Collision losses are the biggest swing factor: the Ford F-150 has 5 points higher relative collision losses, meaning its crash repairs cost insurers more on average. The Ford F-150 appears on the NICB most-stolen list, adding to comprehensive costs.
Tacoma vs F-150 insurance by state
By driver profile (full coverage)
| Driver | Tacoma | F-150 |
|---|---|---|
| Teen driver (18, own policy) | $3,775 | $4,345 |
| Young adult (22) | $2,195 | $2,530 |
| Adult in their 30s | $1,375 | $1,580 |
| Adult in their 50s | $1,265 | $1,455 |
| Senior (72) | $1,535 | $1,770 |
| 30s, one at-fault accident | $1,990 | $2,290 |
| 30s, DUI on record | $2,540 | $2,925 |
More comparisons
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- Ford F-150 vs Nissan Frontier
- Toyota Tacoma vs Nissan Titan
- Ford F-150 vs GMC Sierra 1500
- Toyota Tacoma vs Chevrolet Avalanche
Frequently asked questions
Is the Toyota Tacoma or the Ford F-150 cheaper to insure?
By our estimate the Toyota Tacoma is cheaper, by about $205 a year for full coverage ($1,375 vs. $1,580) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Toyota Tacoma and Ford F-150?
Mostly because of insurance-loss history: HLDI collision indices of 87 vs. 92 and comprehensive indices of 86 vs. 84 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.