Toyota Car Insurance vs Nissan Car Insurance

Whether you're buying a Toyota or Nissan, there are some things you need to know in order to get the best auto insurance rates possible.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Nov 9, 2021

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Things to Remember...

  • Whether you drive a Toyota or a Nissan, you need to get adequate auto insurance coverage to protect you and your family
  • Established in 1937, Toyota Motor Corporation is a multinational automaker
  • Headquartered in Japan, Nissan Motor Company is the sixth largest automaker in the world

It is difficult to do an absolute insurance comparison between a Toyota and Nissan automobile, given the different models and personal details of the drivers seeking insurance.

Whether you drive a Toyota or a Nissan, you need to get adequate auto insurance coverage to protect yourself and your family, as well as other drivers and pedestrians.

Most car insurance companies determine car insurance rates using personal information such as gender, age, location, driving record, and credit history. The kind of car you drive is also likely to impact your insurance bills.

This is great news given a recent report from Forbes magazine that found alarming rates of increase in auto insurance costs.

If you are looking for cheap auto insurance policies, type your ZIP code into our FREE search box now for a list of affordable insurance quotes!

About Toyota the Company

Established in 1937, Toyota Motor Corporation is a multinational automaker. Headquartered in Japan, the company is the ninth-largest corporation in the world.

Its brands include:

  • Toyota lineup
  • Lexus
  • Scion
  • Daihatsu
  • Hino Motors

According to Toyota, the company has over 70 different auto models including sedans, vans, trucks, hybrids, and SUVs.

Some of its popular cars include sedans like the Corolla, the Camry, and the Yaris; trucks like the Tundra and the Tacoma; SUVS such as the RAV4, the Forerunner, and the Sequoia; and the increasingly popular hybrids such as the Prius.

Toyota models are renowned for their safety, reliability, and affordable gas mileage. They are also known for their innovations in fuel technology.

Toyota was the first company to target the hybrid market and mass produce cars that offered green technology.

Starting at $14,000 for their cars and going up to $77,000 for their SUVs, the Toyota brand also has high-performance cars and a luxury range.

So whether you are driving the reliable Camry or the tough Tundra, make sure you do your research to get the best insurance for your Toyota.


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About Nissan the Company

Also headquartered in Japan, Nissan Motor Company is the sixth largest automaker in the world. Besides its namesake vehicles, Nissan also markets the luxury Infiniti line.

Much like other Japanese cars, the Nissan models are known for their reliability, high quality of workmanship and safety.

The Nissan line has a range of automobiles, from sporty coupes, family-friendly SUVs, minivans, and sedans, to tough trucks.

Starting at $11,000 for its small cars and going up to $97,000 for its high-performance cars, Nissan is an increasingly popular car of choice.

It is also a pioneer in alternative fuel technology. Nissan’s Leaf is an all-electric five-seat hatchback that can run 100 miles on a full charge.

Its other popular models include sedans such as the Sentra and the Altima; convertibles such as the Z Roadster and the Murano Cross Cabriolet; SUVs such as the Rogue and the Murano; minivans such as the Quest; and trucks such as the Titan and the Frontier.

Understanding Auto Insurance

Auto insurance acts as a safety net for you and your family in case of an unexpected auto accident. It shields you from potential financial disaster.

Depending on the clauses of the policy, the protection can include you, your passengers, the other drivers, their passengers, pedestrians, and property.

Each state has different requirements for its drivers.

For instance, California’s Department of Motor Vehicles stipulates that drivers carry minimum liability insurance in the amount of $15,000 for one person’s injury or death per incident, $30,000 for the injury or death of more than one person per accident, and $5,000 to pay for property damage for each accident.

While most states have rather low minimums, financial planners suggest that drivers get higher limits on their coverage.

However, it is paramount that you keep your budget in mind and if you can afford it, buy $100,000 for bodily injury liability per individual and $300,000 per crash.

Whether you are in a tough Nissan Pathfinder or the eco-friendly Toyota Prius, understand the nitty-gritty of insurance.

A La Carte Menu of Auto Insurance

As the demands of drivers increase or change, the insurance industry keeps pace by providing different kinds of coverage, new discounts, and attractive rates.

Explore the different permutations and combinations of insurance policies that can be created, understand the terms and conditions, ask questions if you have any doubts, and then sign on the dotted line!

Some of the common options for insurance coverage are:

  • Bodily injury liability (BIL) – It pays for all medical costs that emerge from the accident where you are at fault. This includes the other drivers involved, their passengers, and people on the road. This form of insurance can also be used to cover lost wages and household expenses and pay for home-based nursing, among others. This is very helpful in case a lawsuit is brought against you, in which case the insurance company pays all legal costs, up to the stipulated limit
  • Property damage liability – This pays for the repair or replacement of all properties damaged or destroyed in an at-fault accident. Besides the other cars, it also covers damage to buildings, sidewalks, traffic signs, poles, and fences, among others
  • Personal injury protection (PIP) – Mandatory in most states, PIP covers all treatment and funeral expenses of the driver and others in the car
  • Collision coverage – This form of coverage is needed if you have financed your car purchase and haven’t paid it off, have a new car, or a luxury car
  • Comprehensive coverage – As the name suggests, this is total coverage for all losses except collision. From Acts of God like tornadoes, hurricanes and flooding; mistakes such as banged car doors; or theft and vandalism, comprehensive coverage will be a blessing

Uninsured/Underinsured Motorist Coverage: According to news resources like MSNBC, one-sixth of those behind the wheel on American roads are without any insurance.

Add to this, the number of underinsured drivers on the road, and U/UI coverage almost becomes mandatory.

It protects you in cases of accidents where the at-fault driver has no insurance or very minimal insurance.

Besides these popular standard options, you can also opt for pay-as-you-go insurance that depends on the number of miles you drive as well as your driving record, replacement parts coverage or extended warranties for your Nissan or Toyota.

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Lowering Your Auto Insurance Rates

Looking for bargains is a must-do in the insurance buying process. Without doing some research-led bargain hunting, you are likely to end up paying more than needed.

However, remember that something that comes across as being too low might have exceptions that could prove to be costly in the long run.

Happily, you can find a number of ways to cut down your auto insurance bill without missing protection.

Some easy suggestions are:

  • Raise your insurance deductible – In insurance jargon, the deductible is the sum you agree to pay towards repair and replacement before the company’s coverage kicks in. If it is affordable, increase your deductible to at least $1,000. Make sure you drive carefully and save diligently in case you have to pay for the deductible after an at-fault accident
  • Comparison-shopping – Much like you would hop from shop-to-shop and website-to-website for the perfect little black dress or a tool kit; look around systematically for good insurance options. Instead of automatically renewing your contract, ask your insurance company for lower rates or additional coverage. They are likely to comply if you have been a good customer
  • Discounts galore – Discounts are like free money waiting to be picked up. Look at the industry standards such as good driver, low mileage, and good student offers. Additionally, ask the companies if they have any signature discounts. For instance, many companies offer discounts for driving environmentally friendly cars such as the Toyota Prius or the Nissan Leaf
  • Drop comprehensive and collision coverage – Unless you have an expensive, new, or largely financed car, these forms of coverage are unnecessary and indeed, might be costing you more than your car’s value. Remove them from your policy

The Internet can be a treasure trove of insurance deals if you know how to navigate it’s umpteen choices.

The myriad websites are a great resource of information about the insurance industry, its various offerings, discounts, and rates.

Type your ZIP code into our FREE toolbox for quotes that will protect you and your family as you cruise the streets!



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Enter your ZIP code below to view companies that have cheap auto insurance rates.

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