Estimates, not quotes

Toyota Tacoma vs Ford Maverick Insurance Cost

The Toyota Tacoma is cheaper to insure by about $110 a year for full coverage by our estimate ($1,375 vs. $1,485), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageToyota TacomaFord MaverickDifference
State minimum$535$655−$120
Standard (100/300/100)$780$950−$170
Full coverage$1,375$1,485−$110

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Tacoma minus Maverick.

Why one costs more to insure

FactorToyota TacomaFord Maverick
SegmentPickup truckPickup truck
PowertrainsGasoline, HybridGasoline, Hybrid
HLDI collision (100 = avg)8778
HLDI comprehensive8672
HLDI property damage liability73109
HLDI bodily injury liability85114
NHTSA overall rating4★4★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)727

Collision losses are the biggest swing factor: the Toyota Tacoma has 9 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Ford Maverick.

Tacoma vs Maverick insurance by state

StateTacomaMaverickDifference
Alabama$1,195$1,270−$75
Alaska$1,200$1,295−$95
Arizona$1,440$1,565−$125
Arkansas$1,210$1,270−$60
California$1,340$1,435−$95
Colorado$1,565$1,670−$105
Connecticut$1,455$1,600−$145
Delaware$1,530$1,705−$175
District of Columbia$1,725$1,860−$135
Florida$1,960$2,205−$245
Georgia$1,700$1,885−$185
Hawaii$940$1,010−$70
Idaho$930$1,000−$70
Illinois$1,190$1,275−$85
Indiana$975$1,040−$65
Iowa$935$970−$35
Kansas$1,100$1,150−$50
Kentucky$1,155$1,255−$100
Louisiana$1,900$2,065−$165
Maine$875$930−$55
Maryland$1,540$1,680−$140
Massachusetts$1,345$1,455−$110
Michigan$1,490$1,605−$115
Minnesota$1,150$1,215−$65
Mississippi$1,315$1,395−$80
Missouri$1,250$1,330−$80
Montana$1,100$1,145−$45
Nebraska$1,105$1,155−$50
Nevada$1,575$1,770−$195
New Hampshire$975$1,040−$65
New Jersey$1,650$1,840−$190
New Mexico$1,235$1,320−$85
New York$1,840$2,035−$195
North Carolina$1,025$1,070−$45
North Dakota$885$905−$20
Ohio$980$1,045−$65
Oklahoma$1,240$1,305−$65
Oregon$1,230$1,365−$135
Pennsylvania$1,195$1,270−$75
Rhode Island$1,655$1,825−$170
South Carolina$1,470$1,620−$150
South Dakota$1,060$1,075−$15
Tennessee$1,140$1,210−$70
Texas$1,630$1,735−$105
Utah$1,245$1,375−$130
Vermont$890$930−$40
Virginia$1,180$1,275−$95
Washington$1,195$1,315−$120
West Virginia$1,150$1,210−$60
Wisconsin$940$995−$55
Wyoming$1,080$1,095−$15

By driver profile (full coverage)

DriverTacomaMaverick
Teen driver (18, own policy)$3,775$4,085
Young adult (22)$2,195$2,375
Adult in their 30s$1,375$1,485
Adult in their 50s$1,265$1,365
Senior (72)$1,535$1,665
30s, one at-fault accident$1,990$2,155
30s, DUI on record$2,540$2,750

More comparisons

Frequently asked questions

Is the Toyota Tacoma or the Ford Maverick cheaper to insure?

By our estimate the Toyota Tacoma is cheaper, by about $110 a year for full coverage ($1,375 vs. $1,485) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Toyota Tacoma and Ford Maverick?

Mostly because of insurance-loss history: HLDI collision indices of 87 vs. 78 and comprehensive indices of 86 vs. 72 (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.

Sources used on this page