Toyota Tacoma vs Honda Ridgeline Insurance Cost
The Honda Ridgeline is cheaper to insure by about $25 a year for full coverage by our estimate ($1,375 vs. $1,350), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Toyota Tacoma | Honda Ridgeline | Difference |
|---|---|---|---|
| State minimum | $535 | $550 | −$15 |
| Standard (100/300/100) | $780 | $800 | −$20 |
| Full coverage | $1,375 | $1,350 | +$25 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Tacoma minus Ridgeline.
Why one costs more to insure
| Factor | Toyota Tacoma | Honda Ridgeline |
|---|---|---|
| Segment | Pickup truck | Pickup truck |
| Powertrains | Gasoline, Hybrid | Gasoline |
| HLDI collision (100 = avg) | 87 | 77 |
| HLDI comprehensive | 86 | 82 |
| HLDI property damage liability | 73 | 91 |
| HLDI bodily injury liability | 85 | 79 |
| NHTSA overall rating | 4★ | 5★ |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 7 | 2 |
Collision losses are the biggest swing factor: the Toyota Tacoma has 10 points higher relative collision losses, meaning its crash repairs cost insurers more on average.
Tacoma vs Ridgeline insurance by state
By driver profile (full coverage)
| Driver | Tacoma | Ridgeline |
|---|---|---|
| Teen driver (18, own policy) | $3,775 | $3,710 |
| Young adult (22) | $2,195 | $2,160 |
| Adult in their 30s | $1,375 | $1,350 |
| Adult in their 50s | $1,265 | $1,240 |
| Senior (72) | $1,535 | $1,510 |
| 30s, one at-fault accident | $1,990 | $1,955 |
| 30s, DUI on record | $2,540 | $2,495 |
More comparisons
Frequently asked questions
Is the Toyota Tacoma or the Honda Ridgeline cheaper to insure?
By our estimate the Honda Ridgeline is cheaper, by about $25 a year for full coverage ($1,375 vs. $1,350) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Toyota Tacoma and Honda Ridgeline?
Mostly because of insurance-loss history: HLDI collision indices of 87 vs. 77 and comprehensive indices of 86 vs. 82 (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.