Nissan Titan XD Insurance Rates

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UPDATED: Apr 5, 2024

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The average insurance rates for a Nissan Titan XD are $1,422 a year for full coverage insurance. Comprehensive insurance costs around $248 each year, collision insurance costs $400, and liability is estimated at $574. Buying just liability costs approximately $638 a year, and insurance for high-risk drivers costs $3,074 or more. 16-year-old drivers cost the most to insure at up to $5,596 a year.

Average premium for full coverage: $1,422

Policy rates for type of insurance:

Comprehensive $248
Collision $400
Liability $574

Includes $500 deductible amounts, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Titan XD models.

Price Range Variability

Using a 40-year-old driver as an example, Nissan Titan XD insurance rates range from the low end price of $638 for just the minimum liability insurance to a high rate of $3,074 for high-risk insurance.

Liability Only $638
Full Coverage $1,422
High Risk $3,074

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than congested cities. The graphic below illustrates how rural and urban location affects auto insurance rates.

Rural Areas $1,067
Small Cities $1,493
Large Cities $1,920

The examples above illustrate why all drivers should get quotes for a specific zip code, 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 Analysis

The chart below illustrates average Nissan Titan XD insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $844
  • Choosing higher $1,000 deductibles can save about $146 each year
  • The estimated price for a good driver age 40 using $500 deductibles is $1,422
  • Buying low deductibles for comp and collision coverage will cost an additional $284 annually
  • Higher-risk drivers with multiple tickets or accidents could pay at least $3,074
  • Policy cost that insures a 16-year-old driver can be $5,596 each year

View Chart as Image

Nissan Titan XD insurance cost comparison chart
Column chart showing Nissan Titan XD insurance prices range from $844 to $5,596 for full coverage

Insurance rates for a Nissan Titan XD also range considerably based on the trim level and model year, your age and driving record, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,700 to $2,400 extra every year, depending on your age. Insurance for high-risk drivers ranges from 43% to 133% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,300 annually on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay as much as $5,500 a year. View Rates by Age

Your home state plays a big part in determining prices for Nissan Titan XD insurance prices. A good driver about age 40 could pay as low as $930 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,920 on average in Michigan, New York, and Florida.

Nissan Titan XD Insurance Rates by State
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%

View Chart as Image

Nissan Titan XD insurance rates by U.S. city

Opting for high physical damage deductibles can save as much as $430 annually, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $516 more per year. View Rates by Deductible or Liability Limit

Nissan Titan XD Insurance Rates by Model Year
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 Cheapest Nissan Titan XD Insurance

Finding cheaper rates on insurance for a Nissan Titan XD takes having a good driving record, having above-average credit, being claim-free, and dropping full coverage on older vehicles. Comparison shop every couple of years by quoting rates from direct insurance companies, and also from insurance agencies where you live.

The next list is a recap of the material that was raised in the charts and tables above.

  • Insureds who may need increased levels of liability coverage will pay around $630 annually to raise limits from a 30/60 limit to the 250/500 level
  • Drivers age 20 and younger pay higher rates, possibly costing $466 each month if full coverage is included
  • Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,650 more every year to buy Nissan Titan XD insurance
  • Increasing comprehensive and collision deductibles can save approximately $425 each year

Rates by Driver Age

Nissan Titan XD Insurance 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

Nissan Titan XD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,706
$250 $1,576
$500 $1,422
$1,000 $1,276

Full coverage, driver age 40

Rates by Liability Limit

Nissan Titan XD Insurance Rates with Different Liability Limits
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

Nissan Titan XD Insurance 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.

SR-22 Surcharge $195

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
Rate after discounts $844

Discounts are estimated and may not be available from every company or in every state.

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