Estimates, not quotes

Toyota Tacoma vs Ford Ranger Insurance Cost

The Ford Ranger is cheaper to insure by about $100 a year for full coverage by our estimate ($1,375 vs. $1,275), 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 RangerDifference
State minimum$535$505+$30
Standard (100/300/100)$780$730+$50
Full coverage$1,375$1,275+$100

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

Why one costs more to insure

FactorToyota TacomaFord Ranger
SegmentPickup truckPickup truck
PowertrainsGasoline, HybridGasoline
HLDI collision (100 = avg)8780
HLDI comprehensive8675
HLDI property damage liability7370
HLDI bodily injury liability85—
NHTSA overall rating4★4★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)723

Collision losses are the biggest swing factor: the Toyota Tacoma has 7 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Ford Ranger.

Tacoma vs Ranger insurance by state

StateTacomaRangerDifference
Alabama$1,195$1,110+$85
Alaska$1,200$1,115+$85
Arizona$1,440$1,340+$100
Arkansas$1,210$1,125+$85
California$1,340$1,250+$90
Colorado$1,565$1,450+$115
Connecticut$1,455$1,355+$100
Delaware$1,530$1,425+$105
District of Columbia$1,725$1,605+$120
Florida$1,960$1,830+$130
Georgia$1,700$1,585+$115
Hawaii$940$880+$60
Idaho$930$865+$65
Illinois$1,190$1,105+$85
Indiana$975$905+$70
Iowa$935$865+$70
Kansas$1,100$1,020+$80
Kentucky$1,155$1,075+$80
Louisiana$1,900$1,765+$135
Maine$875$810+$65
Maryland$1,540$1,435+$105
Massachusetts$1,345$1,255+$90
Michigan$1,490$1,390+$100
Minnesota$1,150$1,065+$85
Mississippi$1,315$1,220+$95
Missouri$1,250$1,160+$90
Montana$1,100$1,020+$80
Nebraska$1,105$1,020+$85
Nevada$1,575$1,470+$105
New Hampshire$975$905+$70
New Jersey$1,650$1,540+$110
New Mexico$1,235$1,145+$90
New York$1,840$1,715+$125
North Carolina$1,025$950+$75
North Dakota$885$815+$70
Ohio$980$910+$70
Oklahoma$1,240$1,150+$90
Oregon$1,230$1,150+$80
Pennsylvania$1,195$1,110+$85
Rhode Island$1,655$1,540+$115
South Carolina$1,470$1,365+$105
South Dakota$1,060$975+$85
Tennessee$1,140$1,060+$80
Texas$1,630$1,510+$120
Utah$1,245$1,160+$85
Vermont$890$825+$65
Virginia$1,180$1,100+$80
Washington$1,195$1,115+$80
West Virginia$1,150$1,065+$85
Wisconsin$940$870+$70
Wyoming$1,080$995+$85

By driver profile (full coverage)

DriverTacomaRanger
Teen driver (18, own policy)$3,775$3,510
Young adult (22)$2,195$2,045
Adult in their 30s$1,375$1,275
Adult in their 50s$1,265$1,175
Senior (72)$1,535$1,430
30s, one at-fault accident$1,990$1,850
30s, DUI on record$2,540$2,360

More comparisons

Frequently asked questions

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

By our estimate the Ford Ranger is cheaper, by about $100 a year for full coverage ($1,375 vs. $1,275) for a driver in their 30s with a clean record.

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

Mostly because of insurance-loss history: HLDI collision indices of 87 vs. 80 and comprehensive indices of 86 vs. 75 (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