A lot of it has to do with the size of the vehicle. I owned a 1 Ton box van, and the insurance on it was double the cost of my old Dodge D250 (3/4 ton truck, rated to tow about 7000# max). You don't need to insure a trailer, and the plates in our state are very cheap for our old trailer (About $20 annually), so it would be much cheaper to have a truck and trailer in our state.



Is states with axle tolls and other factors, it could be completely different. There is never any "One size fits all" solution to vehicles.