Estimates, not quotes

Toyota Tacoma vs Nissan Frontier Insurance Cost

The Toyota Tacoma is cheaper to insure by about $105 a year for full coverage by our estimate ($1,375 vs. $1,480), 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

CoverageToyota TacomaNissan FrontierDifference
State minimum$535$590−$55
Standard (100/300/100)$780$855−$75
Full coverage$1,375$1,480−$105

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

Why one costs more to insure

FactorToyota TacomaNissan Frontier
SegmentPickup truckPickup truck
PowertrainsGasoline, HybridGasoline, Flex-fuel
HLDI collision (100 = avg)8792
HLDI comprehensive8677
HLDI property damage liability7394
HLDI bodily injury liability8593
NHTSA overall rating4★4★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)73

Collision losses are the biggest swing factor: the Nissan Frontier has 5 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Tacoma vs Frontier insurance by state

StateTacomaFrontierDifference
Alabama$1,195$1,285−$90
Alaska$1,200$1,295−$95
Arizona$1,440$1,550−$110
Arkansas$1,210$1,295−$85
California$1,340$1,455−$115
Colorado$1,565$1,665−$100
Connecticut$1,455$1,580−$125
Delaware$1,530$1,660−$130
District of Columbia$1,725$1,865−$140
Florida$1,960$2,125−$165
Georgia$1,700$1,840−$140
Hawaii$940$1,020−$80
Idaho$930$1,005−$75
Illinois$1,190$1,280−$90
Indiana$975$1,050−$75
Iowa$935$990−$55
Kansas$1,100$1,170−$70
Kentucky$1,155$1,245−$90
Louisiana$1,900$2,045−$145
Maine$875$940−$65
Maryland$1,540$1,665−$125
Massachusetts$1,345$1,455−$110
Michigan$1,490$1,610−$120
Minnesota$1,150$1,225−$75
Mississippi$1,315$1,405−$90
Missouri$1,250$1,335−$85
Montana$1,100$1,165−$65
Nebraska$1,105$1,170−$65
Nevada$1,575$1,710−$135
New Hampshire$975$1,050−$75
New Jersey$1,650$1,795−$145
New Mexico$1,235$1,325−$90
New York$1,840$1,995−$155
North Carolina$1,025$1,100−$75
North Dakota$885$935−$50
Ohio$980$1,055−$75
Oklahoma$1,240$1,320−$80
Oregon$1,230$1,335−$105
Pennsylvania$1,195$1,285−$90
Rhode Island$1,655$1,795−$140
South Carolina$1,470$1,585−$115
South Dakota$1,060$1,110−$50
Tennessee$1,140$1,225−$85
Texas$1,630$1,745−$115
Utah$1,245$1,350−$105
Vermont$890$955−$65
Virginia$1,180$1,270−$90
Washington$1,195$1,295−$100
West Virginia$1,150$1,225−$75
Wisconsin$940$1,005−$65
Wyoming$1,080$1,135−$55

By driver profile (full coverage)

DriverTacomaFrontier
Teen driver (18, own policy)$3,775$4,070
Young adult (22)$2,195$2,365
Adult in their 30s$1,375$1,480
Adult in their 50s$1,265$1,360
Senior (72)$1,535$1,655
30s, one at-fault accident$1,990$2,145
30s, DUI on record$2,540$2,735

More comparisons

Frequently asked questions

Is the Toyota Tacoma or the Nissan Frontier cheaper to insure?

By our estimate the Toyota Tacoma is cheaper, by about $105 a year for full coverage ($1,375 vs. $1,480) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Toyota Tacoma and Nissan Frontier?

Mostly because of insurance-loss history: HLDI collision indices of 87 vs. 92 and comprehensive indices of 86 vs. 77 (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