Nissan Titan XD Insurance Rates
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UPDATED: Apr 5, 2024
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U.S. average insurance rates for a Nissan Titan XD are $1,422 a year with full coverage. Comprehensive costs around $248, collision costs $400, and liability is $574. Buying just liability costs around $638 a year, with insurance for high-risk drivers costing around $3,074. 16-year-old drivers pay the highest rates at $5,596 a year or more.
Average premium for full coverage: $1,422
Price estimates for individual coverage:
Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all U.S. states and for different Titan XD trim levels.
Price Range from Low to High
For a driver in their 40's, Nissan Titan XD insurance prices go from the low end price of $638 for your basic liability-only policy to a much higher rate of $3,074 for high-risk insurance.
Geographic Price Range
Choosing to live in a large city can make a big difference on insurance rates. Areas with sparse population have lower incidents of collision claims than congested cities.
The price range example below illustrates how location helps determine auto insurance rates.
The ranges above demonstrate why anyone shopping for car insurance should compare rates quotes for a specific zip code, instead of making a decision based on rate averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Information
The chart below details estimated Nissan Titan XD insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $844
- Raising to $1,000 deductibles will save about $146 annually
- The estimated price for the average middle-age driver using $500 deductibles is $1,422
- Buying more expensive low deductibles bumps up the cost to $1,706
- Drivers with multiple tickets or accidents could pay at least $3,074 or more
- The price that insures a 16-year-old driver with full coverage can be $5,596
Insurance prices for a Nissan Titan XD are also quite variable based on the model year and trim level, your age and driving habits, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you may be forking out at least $1,700 to $2,400 additional each year, depending on your age. High-risk driver insurance is expensive and can cost from 43% to 133% more than the average rate. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $5,500 a year. View Rates by Age
The state you live in also has a big influence on Nissan Titan XD insurance prices. A middle-age driver might find prices as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or at least $1,920 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,286 | -$136 | -9.6% |
| Alaska | $1,090 | -$332 | -23.3% |
| Arizona | $1,180 | -$242 | -17.0% |
| Arkansas | $1,422 | -$0 | 0.0% |
| California | $1,622 | $200 | 14.1% |
| Colorado | $1,358 | -$64 | -4.5% |
| Connecticut | $1,462 | $40 | 2.8% |
| Delaware | $1,612 | $190 | 13.4% |
| Florida | $1,778 | $356 | 25.0% |
| Georgia | $1,314 | -$108 | -7.6% |
| Hawaii | $1,020 | -$402 | -28.3% |
| Idaho | $966 | -$456 | -32.1% |
| Illinois | $1,060 | -$362 | -25.5% |
| Indiana | $1,074 | -$348 | -24.5% |
| Iowa | $962 | -$460 | -32.3% |
| Kansas | $1,350 | -$72 | -5.1% |
| Kentucky | $1,940 | $518 | 36.4% |
| Louisiana | $2,108 | $686 | 48.2% |
| Maine | $880 | -$542 | -38.1% |
| Maryland | $1,174 | -$248 | -17.4% |
| Massachusetts | $1,136 | -$286 | -20.1% |
| Michigan | $2,470 | $1,048 | 73.7% |
| Minnesota | $1,192 | -$230 | -16.2% |
| Mississippi | $1,704 | $282 | 19.8% |
| Missouri | $1,262 | -$160 | -11.3% |
| Montana | $1,530 | $108 | 7.6% |
| Nebraska | $1,120 | -$302 | -21.2% |
| Nevada | $1,706 | $284 | 20.0% |
| New Hampshire | $1,024 | -$398 | -28.0% |
| New Jersey | $1,590 | $168 | 11.8% |
| New Mexico | $1,260 | -$162 | -11.4% |
| New York | $1,498 | $76 | 5.3% |
| North Carolina | $818 | -$604 | -42.5% |
| North Dakota | $1,166 | -$256 | -18.0% |
| Ohio | $982 | -$440 | -30.9% |
| Oklahoma | $1,462 | $40 | 2.8% |
| Oregon | $1,304 | -$118 | -8.3% |
| Pennsylvania | $1,358 | -$64 | -4.5% |
| Rhode Island | $1,898 | $476 | 33.5% |
| South Carolina | $1,288 | -$134 | -9.4% |
| South Dakota | $1,202 | -$220 | -15.5% |
| Tennessee | $1,246 | -$176 | -12.4% |
| Texas | $1,714 | $292 | 20.5% |
| Utah | $1,054 | -$368 | -25.9% |
| Vermont | $972 | -$450 | -31.6% |
| Virginia | $852 | -$570 | -40.1% |
| Washington | $1,100 | -$322 | -22.6% |
| West Virginia | $1,306 | -$116 | -8.2% |
| Wisconsin | $986 | -$436 | -30.7% |
| Wyoming | $1,268 | -$154 | -10.8% |
Opting for high physical damage deductibles can reduce prices by up to $430 annually, while increasing your policy's liability limits will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $516 more each year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out your exact price is to compare prices from multiple companies. Every auto insurance company utilizes a different rate formula, and prices may be quite different.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Nissan Titan XD | $320 | $566 | $498 | $1,584 |
| 2023 Nissan Titan XD | $308 | $552 | $520 | $1,580 |
| 2022 Nissan Titan XD | $298 | $530 | $536 | $1,564 |
| 2021 Nissan Titan XD | $282 | $512 | $554 | $1,548 |
| 2020 Nissan Titan XD | $270 | $474 | $564 | $1,508 |
| 2019 Nissan Titan XD | $260 | $446 | $570 | $1,476 |
| 2018 Nissan Titan XD | $248 | $400 | $574 | $1,422 |
| 2017 Nissan Titan XD | $232 | $368 | $574 | $1,374 |
Rates are averaged for all Nissan Titan XD models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Find Affordable Nissan Titan XD Insurance
Getting lower rates on insurance for a Nissan Titan XD consists of having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Comparison shop every couple of years by getting quotes from direct companies, and also from your local independent and exclusive agents.
The following items are a brief review of the material that was covered in the charts and tables above.
- Insureds who may need additional liability coverage will pay around $630 every year to raise from a low limit to the 250/500 level
- 16 to 18-year-old drivers are charged the highest prices, costing up to $466 a month if comprehensive and collision insurance is included
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,650 more every year than a driver with a clean driving record
- Increasing physical damage deductibles can save approximately $425 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,596 |
| 20 | $3,274 |
| 30 | $1,460 |
| 40 | $1,422 |
| 50 | $1,304 |
| 60 | $1,276 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,706 |
| $250 | $1,576 |
| $500 | $1,422 |
| $1,000 | $1,276 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,422 |
| 50/100 | $1,537 |
| 100/300 | $1,680 |
| 250/500 | $2,053 |
| 100 CSL | $1,594 |
| 300 CSL | $1,910 |
| 500 CSL | $2,140 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,926 |
| 20 | $5,220 |
| 30 | $3,116 |
| 40 | $3,074 |
| 50 | $2,940 |
| 60 | $2,910 |
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $73 |
| Multi-vehicle | $76 |
| Homeowner | $24 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $57 |
| Advance Quote | $66 |
| Online Quote | $98 |
| Total Discounts | $578 |
Discounts are estimated and may not be available from every company or in every state.
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