Nissan Titan XD Insurance Rates
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Michelle Robbins
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UPDATED: Apr 5, 2024
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The average insurance prices for a Nissan Titan XD are $1,422 every 12 months for full coverage insurance. Comprehensive costs an estimated $248, collision costs $400, and liability costs around $574. Liability-only coverage costs as low as $638 a year, with high-risk coverage costing around $3,074. 16-year-old drivers cost the most to insure at $5,596 a year or more.
Average premium for full coverage: $1,422
Policy rates broken down by type of insurance:
Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different Titan XD trim levels.
Price Range Variability
For a driver in their 40's, Nissan Titan XD insurance rates go from the cheapest price of $638 for the bare minimum liability coverage to a much higher rate of $3,074 for a driver that may need high-risk insurance.
Urban vs. Rural Price Range
Where you live can make a big difference on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than congested cities.
The price range example below illustrates how location helps determine insurance prices.
The examples above illustrate why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, 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.
Additional Rate Information
The chart below illustrates estimated Nissan Titan XD insurance rates for other coverage scenarios.
- The best full coverage rate is $844
- Using higher $1,000 deductibles will save approximately $146 each year
- The average price for a good driver age 40 who has $500 deductibles is $1,422
- Buying more expensive low deductibles for physical damage coverage increases the price to $1,706
- High-risk insureds with multiple tickets or accidents could pay up to $3,074 or more
- Policy cost to insure a 16-year-old driver with full coverage can cost as much as $5,596 or more
Insurance rates for a Nissan Titan XD also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.
Opting for high physical damage deductibles could cut rates by as much as $430 annually, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $516 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay at least $5,500 a year. View Rates by Age
If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,700 to $2,400 additional every year, depending on your age. High-risk driver insurance can be from 43% to 133% more than the average rate. View High Risk Driver Rates
Your home state has a huge impact on Nissan Titan XD insurance prices. A driver around age 40 might see rates as low as $930 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,920 on average in Florida, New York, and Michigan.
| 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% |
Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates from multiple companies. Each insurance company utilizes a different rate formula, and rates will be varied.
| 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 Shop for More Affordable Nissan Titan XD Insurance
Finding cheaper rates on insurance for a Nissan Titan XD requires avoiding accidents and violations, having above-average credit, being claim-free, and maximizing policy discounts. Invest time comparing rates once a year by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.
The list below is a summary of the data that was covered in the charts and tables above.
- It is possible to save approximately $160 per year simply by shopping early and online
- Insureds who want higher liability limits will pay around $630 annually to increase from a 30/60 limit to a 250/500 level
- Teenagers are expensive to insure, possibly costing $466 each month if full coverage is included
- Drivers considered higher risk who have multiple accidents or major violations could be forced to pay on average $1,650 more annually for car insurance
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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