Toyota Tacoma vs Tesla Cybertruck Insurance Cost

The Toyota Tacoma is cheaper to insure by about $225 a year for full coverage by our estimate ($1,375 vs. $1,600), 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

Coverage	Toyota Tacoma	Tesla Cybertruck	Difference
State minimum	$535	$595	−$60
Standard (100/300/100)	$780	$865	−$85
Full coverage	$1,375	$1,600	−$225

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

Why one costs more to insure

Factor	Toyota Tacoma	Tesla Cybertruck
Segment	Pickup truck	Pickup truck
Powertrains	Gasoline, Hybrid	Electric
HLDI collision (100 = avg)	87	—
HLDI comprehensive	86	—
HLDI property damage liability	73	—
HLDI bodily injury liability	85	—
NHTSA overall rating	4★	5★
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	7	3

Tacoma vs Cybertruck insurance by state

State	Tacoma	Cybertruck	Difference
Alabama	$1,195	$1,400	−$205
Alaska	$1,200	$1,400	−$200
Arizona	$1,440	$1,675	−$235
Arkansas	$1,210	$1,425	−$215
California	$1,340	$1,570	−$230
Colorado	$1,565	$1,835	−$270
Connecticut	$1,455	$1,690	−$235
Delaware	$1,530	$1,765	−$235
District of Columbia	$1,725	$2,015	−$290
Florida	$1,960	$2,250	−$290
Georgia	$1,700	$1,960	−$260
Hawaii	$940	$1,105	−$165
Idaho	$930	$1,090	−$160
Illinois	$1,190	$1,390	−$200
Indiana	$975	$1,145	−$170
Iowa	$935	$1,110	−$175
Kansas	$1,100	$1,300	−$200
Kentucky	$1,155	$1,345	−$190
Louisiana	$1,900	$2,210	−$310
Maine	$875	$1,025	−$150
Maryland	$1,540	$1,785	−$245
Massachusetts	$1,345	$1,570	−$225
Michigan	$1,490	$1,745	−$255
Minnesota	$1,150	$1,350	−$200
Mississippi	$1,315	$1,540	−$225
Missouri	$1,250	$1,465	−$215
Montana	$1,100	$1,300	−$200
Nebraska	$1,105	$1,300	−$195
Nevada	$1,575	$1,805	−$230
New Hampshire	$975	$1,140	−$165
New Jersey	$1,650	$1,905	−$255
New Mexico	$1,235	$1,440	−$205
New York	$1,840	$2,125	−$285
North Carolina	$1,025	$1,205	−$180
North Dakota	$885	$1,050	−$165
Ohio	$980	$1,150	−$170
Oklahoma	$1,240	$1,460	−$220
Oregon	$1,230	$1,425	−$195
Pennsylvania	$1,195	$1,405	−$210
Rhode Island	$1,655	$1,915	−$260
South Carolina	$1,470	$1,700	−$230
South Dakota	$1,060	$1,265	−$205
Tennessee	$1,140	$1,340	−$200
Texas	$1,630	$1,910	−$280
Utah	$1,245	$1,440	−$195
Vermont	$890	$1,050	−$160
Virginia	$1,180	$1,375	−$195
Washington	$1,195	$1,385	−$190
West Virginia	$1,150	$1,355	−$205
Wisconsin	$940	$1,105	−$165
Wyoming	$1,080	$1,285	−$205

By driver profile (full coverage)

Driver	Tacoma	Cybertruck
Teen driver (18, own policy)	$3,775	$4,400
Young adult (22)	$2,195	$2,560
Adult in their 30s	$1,375	$1,600
Adult in their 50s	$1,265	$1,470
Senior (72)	$1,535	$1,790
30s, one at-fault accident	$1,990	$2,320
30s, DUI on record	$2,540	$2,960

More comparisons

Frequently asked questions

Is the Toyota Tacoma or the Tesla Cybertruck cheaper to insure?

By our estimate the Toyota Tacoma is cheaper, by about $225 a year for full coverage ($1,375 vs. $1,600) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Toyota Tacoma and Tesla Cybertruck?

Mostly because of insurance-loss history: HLDI collision indices of 87 vs. n/a and comprehensive indices of 86 vs. n/a (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