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 rates for a Nissan Titan XD are $1,476 a year including full coverage. Comprehensive insurance costs approximately $260 each year, collision insurance costs $446, and liability insurance is estimated at $570. A liability-only policy costs approximately $634 a year, and high-risk insurance costs $3,192 or more. Teenage drivers cost the most to insure at up to $5,764 a year.
Average premium for full coverage: $1,476
Policy rates by type of insurance:
Prices are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Titan XD models.
Price Range Variability
Using a middle-aged driver as an example, Nissan Titan XD insurance rates range from the low end price of $634 for minimum levels of liability insurance to a high rate of $3,192 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a significant impact on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates how where you live affects auto insurance prices.
The examples above highlight why all drivers should get quotes using their specific location, rather than relying on 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.
Additional Rate Details
The chart below breaks down average Nissan Titan XD insurance rates for additional coverage and risk scenarios.
- The best discount rate is $870
- Choosing higher $1,000 deductibles can save $160 every year
- The estimated price for a good driver age 40 who chooses $500 deductibles is $1,476
- Using low deductibles for comp and collision coverage will cost an additional $312 a year
- High-risk insureds who are prone to accidents and violations could pay around $3,192
- Policy cost that insures a teen driver can cost $5,764 each year
Car insurance rates for a Nissan Titan XD also range considerably based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.
If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,700 to $2,500 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates
More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged in the ballpark of $5,700 a year. View Rates by Age
Your home state plays a big part in determining prices for Nissan Titan XD insurance rates. A good driver about age 40 could pay as low as $1,130 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,100 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,332 | -$144 | -9.8% |
| Alaska | $1,130 | -$346 | -23.4% |
| Arizona | $1,222 | -$254 | -17.2% |
| Arkansas | $1,476 | -$0 | 0.0% |
| California | $1,682 | $206 | 14.0% |
| Colorado | $1,408 | -$68 | -4.6% |
| Connecticut | $1,514 | $38 | 2.6% |
| Delaware | $1,670 | $194 | 13.1% |
| Florida | $1,842 | $366 | 24.8% |
| Georgia | $1,360 | -$116 | -7.9% |
| Hawaii | $1,056 | -$420 | -28.5% |
| Idaho | $1,000 | -$476 | -32.2% |
| Illinois | $1,098 | -$378 | -25.6% |
| Indiana | $1,112 | -$364 | -24.7% |
| Iowa | $998 | -$478 | -32.4% |
| Kansas | $1,398 | -$78 | -5.3% |
| Kentucky | $2,010 | $534 | 36.2% |
| Louisiana | $2,184 | $708 | 48.0% |
| Maine | $912 | -$564 | -38.2% |
| Maryland | $1,216 | -$260 | -17.6% |
| Massachusetts | $1,178 | -$298 | -20.2% |
| Michigan | $2,562 | $1,086 | 73.6% |
| Minnesota | $1,234 | -$242 | -16.4% |
| Mississippi | $1,766 | $290 | 19.6% |
| Missouri | $1,308 | -$168 | -11.4% |
| Montana | $1,586 | $110 | 7.5% |
| Nebraska | $1,160 | -$316 | -21.4% |
| Nevada | $1,768 | $292 | 19.8% |
| New Hampshire | $1,062 | -$414 | -28.0% |
| New Jersey | $1,648 | $172 | 11.7% |
| New Mexico | $1,306 | -$170 | -11.5% |
| New York | $1,552 | $76 | 5.1% |
| North Carolina | $850 | -$626 | -42.4% |
| North Dakota | $1,208 | -$268 | -18.2% |
| Ohio | $1,018 | -$458 | -31.0% |
| Oklahoma | $1,512 | $36 | 2.4% |
| Oregon | $1,352 | -$124 | -8.4% |
| Pennsylvania | $1,408 | -$68 | -4.6% |
| Rhode Island | $1,968 | $492 | 33.3% |
| South Carolina | $1,336 | -$140 | -9.5% |
| South Dakota | $1,244 | -$232 | -15.7% |
| Tennessee | $1,290 | -$186 | -12.6% |
| Texas | $1,776 | $300 | 20.3% |
| Utah | $1,092 | -$384 | -26.0% |
| Vermont | $1,010 | -$466 | -31.6% |
| Virginia | $884 | -$592 | -40.1% |
| Washington | $1,138 | -$338 | -22.9% |
| West Virginia | $1,352 | -$124 | -8.4% |
| Wisconsin | $1,022 | -$454 | -30.8% |
| Wyoming | $1,316 | -$160 | -10.8% |
Using high physical damage deductibles can save as much as $480 each year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $513 extra every 12 months. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Nissan Titan XD | $332 | $570 | $488 | $1,590 |
| 2023 Nissan Titan XD | $320 | $566 | $498 | $1,584 |
| 2022 Nissan Titan XD | $308 | $552 | $520 | $1,580 |
| 2021 Nissan Titan XD | $298 | $530 | $536 | $1,564 |
| 2020 Nissan Titan XD | $282 | $512 | $554 | $1,548 |
| 2019 Nissan Titan XD | $270 | $474 | $564 | $1,508 |
| 2018 Nissan Titan XD | $260 | $446 | $570 | $1,476 |
| 2017 Nissan Titan XD | $248 | $400 | $574 | $1,422 |
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
Finding cheaper rates on Nissan Titan XD insurance takes having a good driving record, having a positive credit history, paying for small claims out-of-pocket, and attention to physical damage deductibles. Compare prices at every other renewal by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.
The next list is a brief review of the concepts that were touched on in the above illustrations.
- High-risk drivers with DUI or reckless driving convictions will likely pay on average $1,720 more per year to buy Nissan Titan XD insurance
- Drivers age 20 and younger pay the highest auto insurance rates, with premiums being up to $480 each month if full coverage is purchased
- You may be able to save around $170 per year just by quoting online in advance
- Increasing comprehensive and collision deductibles can save approximately $475 each year
- You may be able to save around $170 per year just by quoting online in advance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,764 |
| 20 | $3,406 |
| 30 | $1,516 |
| 40 | $1,476 |
| 50 | $1,348 |
| 60 | $1,324 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,788 |
| $250 | $1,644 |
| $500 | $1,476 |
| $1,000 | $1,316 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,476 |
| 50/100 | $1,590 |
| 100/300 | $1,733 |
| 250/500 | $2,103 |
| 100 CSL | $1,647 |
| 300 CSL | $1,961 |
| 500 CSL | $2,189 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,176 |
| 20 | $5,426 |
| 30 | $3,238 |
| 40 | $3,192 |
| 50 | $3,054 |
| 60 | $3,024 |
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 | $77 |
| Multi-vehicle | $79 |
| Homeowner | $24 |
| 5-yr Accident Free | $100 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $61 |
| Advance Quote | $69 |
| Online Quote | $102 |
| Total Discounts | $606 |
Discounts are estimated and may not be available from every company or in every state.
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