Nissan Titan XD Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 5, 2024
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Average insurance prices for a Nissan Titan XD are $1,422 every 12 months with full coverage. Comprehensive costs on average $248, collision costs $400, and liability coverage costs around $574. A policy with just liability insurance costs as low as $638 a year, with coverage for high-risk drivers costing around $3,074. Teenage drivers receive the highest rates at $5,596 a year or more.
Average premium for full coverage: $1,422
Rate estimates by individual coverage type:
Prices include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for different Titan XD trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range go from the cheapest price of $638 for just liability coverage to a much higher rate of $3,074 for a driver who requires high-risk insurance.
Price Range by Location
Where you live has a large influence on auto insurance rates. Rural areas tend to have more infrequent collision claims than densely populated cities.
The price range example below illustrates how geographic area affects car insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, rather than using average rates.
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.
Detailed Rate Analysis
The chart below details estimated Nissan Titan XD insurance rates for different risk profiles and scenarios.
- The best discount rate is $844
- Using higher $1,000 deductibles will save around $146 annually
- The average price for a 40-year-old driver with $500 deductibles is $1,422
- Using more expensive low deductibles for physical damage coverage increases the price to $1,706
- Higher-risk drivers who are prone to accidents and violations could pay upwards of $3,074 or more
- The cost to insure a teenage driver with full coverage may cost $5,596 or more
Insurance rates for a Nissan Titan XD can also vary considerably based on policy deductibles and limits, your driving record, and the trim level of your Titan XD.
Using high physical damage deductibles could cut rates by as much as $430 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $516 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles may only pay around $1,300 a year for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay upwards of $5,500 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out at a minimum $1,700 to $2,400 additional per year, depending on your age. High-risk driver insurance can be around 43% to 133% more than a normal policy. View High Risk Driver Rates
Where you live has a huge impact on Nissan Titan XD insurance rates. A driver around age 40 might see rates as low as $1,020 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $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% |
With so much variability in rates, the best way to find out exactly what you will pay is to compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, and rates can be significantly 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 Shop for the Right Nissan Titan XD Insurance
Saving money on auto insurance requires being a low-risk driver, having above-average credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Invest the time to compare rates at every other renewal by requesting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The items below are a quick rundown of the concepts that were presented in the illustrations above.
- Drivers with reckless driving or DUI convictions may pay on average $1,650 more each year to insure their Titan XD
- Teen drivers pay higher rates, with premiums as much as $466 per month if full coverage is included
- You may be able to save as much as $160 per year simply by shopping early and online
- Increasing deductibles could save as much as $425 each year
- You may be able to save as much as $160 per year simply by shopping early and online
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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