Estimates, not quotes

Nissan Titan vs Toyota Tundra Insurance Cost

The Nissan Titan is cheaper to insure by about $95 a year for full coverage by our estimate ($1,420 vs. $1,515), 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

CoverageNissan TitanToyota TundraDifference
State minimum$560$590−$30
Standard (100/300/100)$815$855−$40
Full coverage$1,420$1,515−$95

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

Why one costs more to insure

FactorNissan TitanToyota Tundra
SegmentPickup truckPickup truck
PowertrainsGasoline, Flex-fuelGasoline, Hybrid, Flex-fuel
HLDI collision (100 = avg)9694
HLDI comprehensive105108
HLDI property damage liability8994
HLDI bodily injury liability8396
NHTSA overall rating4★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)712

Collision losses are the biggest swing factor: the Nissan Titan has 2 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Titan vs Tundra insurance by state

StateTitanTundraDifference
Alabama$1,235$1,320−$85
Alaska$1,235$1,320−$85
Arizona$1,490$1,595−$105
Arkansas$1,250$1,345−$95
California$1,375$1,470−$95
Colorado$1,625$1,750−$125
Connecticut$1,505$1,600−$95
Delaware$1,585$1,685−$100
District of Columbia$1,780$1,900−$120
Florida$2,035$2,160−$125
Georgia$1,760$1,870−$110
Hawaii$965$1,035−$70
Idaho$960$1,030−$70
Illinois$1,225$1,315−$90
Indiana$1,005$1,080−$75
Iowa$970$1,050−$80
Kansas$1,145$1,235−$90
Kentucky$1,195$1,280−$85
Louisiana$1,965$2,100−$135
Maine$900$965−$65
Maryland$1,590$1,695−$105
Massachusetts$1,385$1,480−$95
Michigan$1,540$1,645−$105
Minnesota$1,190$1,285−$95
Mississippi$1,360$1,460−$100
Missouri$1,295$1,390−$95
Montana$1,145$1,235−$90
Nebraska$1,145$1,235−$90
Nevada$1,630$1,725−$95
New Hampshire$1,005$1,075−$70
New Jersey$1,705$1,815−$110
New Mexico$1,275$1,365−$90
New York$1,905$2,025−$120
North Carolina$1,050$1,130−$80
North Dakota$915$990−$75
Ohio$1,010$1,085−$75
Oklahoma$1,285$1,380−$95
Oregon$1,275$1,355−$80
Pennsylvania$1,235$1,325−$90
Rhode Island$1,710$1,820−$110
South Carolina$1,525$1,625−$100
South Dakota$1,105$1,200−$95
Tennessee$1,175$1,260−$85
Texas$1,685$1,810−$125
Utah$1,285$1,370−$85
Vermont$915$985−$70
Virginia$1,220$1,305−$85
Washington$1,235$1,315−$80
West Virginia$1,190$1,280−$90
Wisconsin$975$1,045−$70
Wyoming$1,125$1,220−$95

By driver profile (full coverage)

DriverTitanTundra
Teen driver (18, own policy)$3,900$4,170
Young adult (22)$2,270$2,425
Adult in their 30s$1,420$1,515
Adult in their 50s$1,305$1,395
Senior (72)$1,590$1,700
30s, one at-fault accident$2,055$2,200
30s, DUI on record$2,625$2,805

More comparisons

Frequently asked questions

Is the Nissan Titan or the Toyota Tundra cheaper to insure?

By our estimate the Nissan Titan is cheaper, by about $95 a year for full coverage ($1,420 vs. $1,515) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Nissan Titan and Toyota Tundra?

Mostly because of insurance-loss history: HLDI collision indices of 96 vs. 94 and comprehensive indices of 105 vs. 108 (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