Estimates, not quotes

Toyota Tacoma vs Nissan Titan Insurance Cost

The Toyota Tacoma is cheaper to insure by about $45 a year for full coverage by our estimate ($1,375 vs. $1,420), 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 TitanDifference
State minimum$535$560−$25
Standard (100/300/100)$780$815−$35
Full coverage$1,375$1,420−$45

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

Why one costs more to insure

FactorToyota TacomaNissan Titan
SegmentPickup truckPickup truck
PowertrainsGasoline, HybridGasoline, Flex-fuel
HLDI collision (100 = avg)8796
HLDI comprehensive86105
HLDI property damage liability7389
HLDI bodily injury liability8583
NHTSA overall rating4★4★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)77

Collision losses are the biggest swing factor: the Nissan Titan has 9 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Toyota Tacoma.

Tacoma vs Titan insurance by state

StateTacomaTitanDifference
Alabama$1,195$1,235−$40
Alaska$1,200$1,235−$35
Arizona$1,440$1,490−$50
Arkansas$1,210$1,250−$40
California$1,340$1,375−$35
Colorado$1,565$1,625−$60
Connecticut$1,455$1,505−$50
Delaware$1,530$1,585−$55
District of Columbia$1,725$1,780−$55
Florida$1,960$2,035−$75
Georgia$1,700$1,760−$60
Hawaii$940$965−$25
Idaho$930$960−$30
Illinois$1,190$1,225−$35
Indiana$975$1,005−$30
Iowa$935$970−$35
Kansas$1,100$1,145−$45
Kentucky$1,155$1,195−$40
Louisiana$1,900$1,965−$65
Maine$875$900−$25
Maryland$1,540$1,590−$50
Massachusetts$1,345$1,385−$40
Michigan$1,490$1,540−$50
Minnesota$1,150$1,190−$40
Mississippi$1,315$1,360−$45
Missouri$1,250$1,295−$45
Montana$1,100$1,145−$45
Nebraska$1,105$1,145−$40
Nevada$1,575$1,630−$55
New Hampshire$975$1,005−$30
New Jersey$1,650$1,705−$55
New Mexico$1,235$1,275−$40
New York$1,840$1,905−$65
North Carolina$1,025$1,050−$25
North Dakota$885$915−$30
Ohio$980$1,010−$30
Oklahoma$1,240$1,285−$45
Oregon$1,230$1,275−$45
Pennsylvania$1,195$1,235−$40
Rhode Island$1,655$1,710−$55
South Carolina$1,470$1,525−$55
South Dakota$1,060$1,105−$45
Tennessee$1,140$1,175−$35
Texas$1,630$1,685−$55
Utah$1,245$1,285−$40
Vermont$890$915−$25
Virginia$1,180$1,220−$40
Washington$1,195$1,235−$40
West Virginia$1,150$1,190−$40
Wisconsin$940$975−$35
Wyoming$1,080$1,125−$45

By driver profile (full coverage)

DriverTacomaTitan
Teen driver (18, own policy)$3,775$3,900
Young adult (22)$2,195$2,270
Adult in their 30s$1,375$1,420
Adult in their 50s$1,265$1,305
Senior (72)$1,535$1,590
30s, one at-fault accident$1,990$2,055
30s, DUI on record$2,540$2,625

More comparisons

Frequently asked questions

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

By our estimate the Toyota Tacoma is cheaper, by about $45 a year for full coverage ($1,375 vs. $1,420) for a driver in their 30s with a clean record.

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

Mostly because of insurance-loss history: HLDI collision indices of 87 vs. 96 and comprehensive indices of 86 vs. 105 (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