Can You Flat Tow a Toyota Tacoma?

Can you flat tow a Toyota Tacoma? The owner’s manual answer: absolutely not. The truth? It’s a little more complicated.
Written by R.E. Fulton
Reviewed by Kathleen Flear
Jun 14, 2022
So you want to flat tow your Toyota Tacoma. Unfortunately, flat towing any Tacoma goes against the manufacturer’s recommendations and will void your warranty in addition to posing serious threats to your truck.
Flatbed trucks and trailers are the gold standard of vehicle towing, but the costs for that kind of tow can add up quickly. Flat towing, which pulls your vehicle on four wheels, is an affordable alternative preferred by many motor home enthusiasts and others.
The big problem? It’s got the potential to seriously damage your vehicle, and it might even void your warranty and insurance. 
Here to answer all your questions about flat towing a Toyota Tacoma is
Jerry
, the
car insurance
comparison app. We’ll start by looking at the many good reasons not to flat tow a Tacoma—plus, we'll give you some tips on how to save on your
Toyota Tacoma insurance costs
.
RECOMMENDED
Compare auto insurance policies
No spam or unwanted phone calls · No long forms · No fees, ever

Can you flat tow a Toyota Tacoma?

The simple answer: no, absolutely not
That’s the answer you’ll get if you check your owner’s manual or reach out directly to the dealership. Flat towing any Toyota Tacoma regardless of age, size, or drivetrain, goes against the manufacturer’s recommendations and could damage your truck’s transmission along with other key components. 
In other words, Toyota’s prohibition isn’t an arbitrary choice. Here are a few key reasons why you shouldn’t try to flat tow your Toyota Tacoma. 

Transmission damage

The biggest material problem with flat towing a Tacoma is the risk of damage to the transmission. Because flat towing means your truck’s wheels are spinning without the engine running, you’ll be missing out on the essential lubrication that protects your transmission under normal operation. 
The result? An overheated transfer case and worse. 

False odometer reading

Your Tacoma could also falsely record miles during towing on the truck’s odometer. Extra miles might not seem like a huge problem, but it’ll impact your truck’s resale value, and it could also lead to damaged gauges. 

Void warranty

Here’s another big one: if you go against the manufacturer’s recommendations and flat tow your Tacoma, you will void your warranty. That means that you’ll be missing out on coverage for essential repairs for the remainder of your warranty period. The convenience of flat towing could cost you big time. 

Rejected insurance claims

Just like your warranty, your insurance policy could also be threatened if you choose to flat tow. That’s because flat towing increases the risk of driving your Tacoma—and if your insurance company finds out that you got into an accident due to an illicit towing setup, they’re likely to reject any claims out of hand, leaving you saddled with a huge bill. 
RECOMMENDED
Compare auto insurance policies
No spam or unwanted phone calls · No long forms · No fees, ever

Personal liability

Forget warranties, forget insurance—let’s talk about the dire consequences you could face if you caused an accident while flat towing your Tacoma. If you cause an injury or even death, your dangerous towing configuration could impact your ability to avoid an expensive personal injury lawsuit and massive financial penalties. 
Sure, that’s a worst-case scenario: but whenever you make a big decision about your Tacoma, it’s important to keep those extreme possibilities in mind. 

The bottom line

At the end of the day, flat towing a Toyota Tacoma goes against the manufacturer’s advice and will void your warranty. It’s also a bad idea unless you’ve done your research and prepared to tow safely.

How to save on insurance for your Tacoma

If you’re trying to flat tow your Tacoma to keep truck-related expenses low, there’s another approach that won’t void your warranty or pose any risks to your transmission. That’s shopping for
car insurance
savings
with
Jerry
, the world’s first super app for car owners. 
It takes just 45 seconds, and you could save an average of $800+ per year. Even better? No phone calls and a minimum of paperwork. That’s how easy it is to cut costs with Jerry. 
 “I love how easy it was for me, as someone who has an older beat-up truck, to get insurance without going through a lot of trouble. I would recommend anyone try
Jerry
, since it’s free!” —Melissa I.
RECOMMENDED
Thousands of customers saved on average $887/year on their car insurance with Jerry
This app is great, but the customer service is even better! Not to mention convenient! My husband and I got the lowest rate (much lower than the rates I was finding online through my own searches), quickly, and pretty much all through text message! Thank you so much for a hassle free experience👍
avatar
Gabriella R.
Find insurance savings (100% Free)
rating primary
4.7/5 Rating on App Store
icon
Compare Car Insurance Quotes For Free
Jerry automatically shops for your insurance before every renewal. Members save $872/year.
rating primary
4.7/5
Rating on App Store
Start saving money!
12,000+ Reviews
Trusted by 3.5M car owners like you

You might also be interested

Easiest way to compare and buy car insurance

√
No long forms
√
No spam or unwanted phone calls
√
Quotes from top insurance companies
Find insurance savings — it's 100% free