The Cheapest Midsize to Insure Is the Ridgeline

The Honda Ridgeline is the cheapest midsize truck to insure. The Tacoma costs more.

The Cheapest Midsize to Insure Is the Ridgeline

The Honda Ridgeline is the cheapest midsize pickup to insure, at $2,398 a year. The Toyota Tacoma, in the same category, averages $2,731.

That is $333 a year between two trucks that a shopper would put on the same list. Over five years, if premiums hold, it is $1,665.

The midsize spread is the real finding

A new Insurify study compared average annual premiums across popular 2025 and 2026 pickups, and the midsize class is where the numbers move most:

  • Honda Ridgeline — $2,398
  • Ford Ranger — $2,413
  • Jeep Gladiator — $2,545
  • Chevrolet Colorado, Nissan Frontier, GMC Canyon — all above $2,600
  • Toyota Tacoma — $2,731

The Ridgeline and the Ranger are $15 apart. The Ridgeline and the Tacoma are $333 apart. Same class, same lot, same afternoon of shopping — and one of those gaps is a rounding error while the other is real money every year you own it.

Compacts set the floor, and they are basically tied

The Ford Maverick averages $2,291 and the Hyundai Santa Cruz $2,296. Five dollars separates them.

Both are unibody, which puts them closer to a compact SUV than to a body-on-frame pickup, and that construction is part of why they sit at the bottom. An Insurify analyst, Julia Taliesin — an economic analyst and licensed insurance agent — points out that smaller trucks carry lower rates than heavy-duty ones because of the damage a bigger unit can do.

If the work does not need maximum towing or payload, the compact class is the cheapest and the most predictable place to insure.

Predictable is worth naming separately from cheap. A five-dollar gap between the two compacts means a shopper who picks either one lands in the same place, and that is unusual in this data. It is the only category in the study where the choice inside the class barely matters to the premium.

Full-size is where the assumption breaks

Here is the number that surprises people. Among popular gas full-size pickups:

  • Ford F-Series — $2,766
  • Chevrolet Silverado — $2,805
  • GMC Sierra — $2,815
  • Ram 1500 — $2,843
  • Toyota Tundra — $2,890

All five sit inside a $124 range. Less than eleven dollars a month separates the cheapest full-size from the most expensive.

So the intuition most buyers carry — pick the brand with the better insurance reputation and save real money — does not hold in full-size. There, the premium is close to a constant, and price, equipment and incentives should decide. In midsize it is the opposite: the badge on the tailgate moves the number more than the category does.

What this actually changes for a small fleet

  • Quote the exact model and trim, not the class. A $333 midsize gap and a $124 full-size gap cannot both be guessed from a category name.
  • Multiply by the fleet and by the years. On five units over five years, that midsize spread is more than eight thousand dollars of pure carrying cost.
  • Price insurance before you finance, not after. The payment is the number everyone negotiates; the premium is the one that quietly rides along for the life of the truck.
  • Remember what is not here. Electric pickups were left out — the data had only the Cybertruck, which is not enough to say anything about the group.

The preventive read

Insurance is the one line on a truck's cost sheet that does not care how well you maintain it — right up until it does. Claims history is what moves a premium over time, and claims come from the things that were readable before they happened: a tire that was wearing wrong, a brake that was out of adjustment, a steering component with play in it.

You cannot negotiate a premium down after the fact. What you can do is keep the record clean, and that record is built in the shop, not at renewal.

Which is also why the cheapest truck to insure on day one is not automatically the cheapest to own on year four. The premium in this study is an average across drivers and histories, and yours will drift from it based on what your units do and what they have on file. The number you control is not the one in the table.

At The Truck Savers the free inspection is where that record starts, because the cheapest claim is the one that never got filed. Los fierros nunca mienten.

Original source: PickupTruckTalk — Insurify pickup insurance study.