Nissan Titan XD Insurance Rates
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Michelle Robbins
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UPDATED: Apr 5, 2024
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Estimated insurance rates for a Nissan Titan XD are $1,422 a year with full coverage. Comprehensive insurance costs on average $248, collision costs $400, and liability coverage is estimated at $574. Liability-only insurance costs approximately $638 a year, with high-risk driver insurance 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:
Rates are based on $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all U.S. states and for all Titan XD models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Nissan Titan XD go from the low end price of $638 for just the minimum liability insurance to the much higher price of $3,074 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Living in a larger city has a large influence on auto insurance rates. Rural areas are statistically proven to have lower incidents of collision claims than larger metro areas.
The example below illustrates how rural and urban location affects car insurance rates.
These rate differences demonstrate why everyone should get quotes based on a specific location, 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.
Additional Rate Analysis
The chart below details 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 annually
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,422
- Choosing pricier low deductibles for comp and collision coverage will cost an additional $284 each year
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,074 or more
- An auto insurance policy that insures a teenage driver for full coverage may cost $5,596 each year
Insurance prices for a Nissan Titan XD also have a wide range based on the model of your Titan XD, your age and driving habits, and policy deductibles and limits.
If you have a few violations or you caused an accident, you may be forking out at a minimum $1,700 to $2,400 additional 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
A more mature driver with no violations or accidents and higher comprehensive and collision 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 teens with perfect driving records should be prepared to pay upwards of $5,500 a year. View Rates by Age
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 $1,020 a year in states like New Hampshire, Ohio, and Utah, or 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% |
Choosing high deductibles can save as much as $430 a year, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $516 more each year. View Rates by Deductible or Liability Limit
With such a large range in prices, the best way to find out exactly what you will pay is to regularly compare prices and see how they stack up. Each auto insurer uses a different rate calculation, and prices 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 Find the Best Cheap Nissan Titan XD Insurance
Finding better rates on auto insurance takes being a low-risk driver, having a good credit score, being claim-free, and insuring your home and auto with the same company. Shop around at every other renewal by getting quotes from direct companies, and also from several local insurance agents.
The items below are a quick review of the concepts that were raised in the charts and tables above.
- Drivers with a DUI or reckless driving violation pay on average $1,650 more each year to insure their Titan XD
- Teen drivers pay higher prices, possibly costing $466 per month if comprehensive and collision insurance is included
- You may be able to save as much as $160 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles can save approximately $425 each year
- You may be able to save as much as $160 per year simply by quoting online well ahead of the renewal date
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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