Nissan Titan XD Insurance Rates
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Michelle Robbins
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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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Estimated insurance prices for a Nissan Titan XD are $1,422 every 12 months for full coverage. Comprehensive insurance costs on average $248, collision costs $400, and liability coverage is estimated at $574. A policy with only liability insurance costs approximately $638 a year, with a high-risk policy costing $3,074 or more. Teen drivers pay the most at $5,596 a year or more.
Average premium for full coverage: $1,422
Premium estimates by type of coverage:
Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all states and for all Titan XD models.
Insurance Price Range by Risk and Coverage
Using a middle-aged driver as an example, insurance rates for a Nissan Titan XD go from the cheapest price of $638 for basic liability insurance to the much higher price of $3,074 for high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on car insurance rates. Rural areas are statistically proven to have more infrequent accident claims than larger metro areas.
The example below illustrates how where you live affects car insurance rates.
These rate differences show why everyone should get quotes based on a specific location and their own driving history, rather than using price 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.
Rate Comparisons
The chart below shows estimated Nissan Titan XD insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $844
- Choosing higher $1,000 deductibles can save around $146 a year
- The average price for a 40-year-old good driver with $500 deductibles is $1,422
- Choosing pricier low deductibles for comp and collision coverage costs an extra $284 each year
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,074 or more
- An auto insurance policy to insure a teenage driver for full coverage may cost $5,596 each year
Car insurance prices for a Nissan Titan XD also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the trim level of your Titan XD.
Choosing high deductibles can save as much as $430 a year, whereas buying more liability protection will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost up to $516 extra every 12 months. View Rates by Deductible or Liability Limit
A more mature driver with no driving violations and higher deductibles may only pay around $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will be charged upwards of $5,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you could be paying at a minimum $1,700 to $2,400 extra annually, depending on your age. Nissan Titan XD insurance for high-risk drivers ranges around 43% to 133% more than average. View High Risk Driver Rates
Where you choose to live plays a big part in determining prices for Nissan Titan XD insurance rates. A good driver about age 40 could pay as low as $940 a year in states like Idaho, Maine, and Iowa, or as much as $2,030 on average in Michigan, Louisiana, 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 such a large range in prices, the only way to know exactly what you will pay is to regularly compare prices and see how they stack up. Each auto insurer uses a different rate calculation, so rate quotes will be substantially 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
Finding better rates on auto insurance takes avoiding accidents and violations, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Take the time to comparison shop every couple of years by requesting quotes from direct carriers, and also from local independent and exclusive agents.
The list below is a quick rundown of the material that was touched on in the above illustrations.
- Consumers who require higher liability limits will pay about $630 each year to raise limits from 30/60 bodily injury limits to a 250/500 level
- Teenagers are expensive to insure, as much as $466 per month if the policy includes full coverage
- Drivers with reckless driving or DUI convictions pay an average of $1,650 more each year for car insurance
- Increasing policy deductibles could save as much as $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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