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 costs on average $260, collision costs $446, and liability costs around $570. A liability-only policy costs as low as $634 a year, with high-risk insurance costing around $3,192. 16-year-old drivers cost the most to insure at $5,764 a year or more.
Average premium for full coverage: $1,476
Policy rates by type of insurance:
Includes $500 deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for all Titan XD models.
Price Range Variability
For an average driver, Nissan Titan XD insurance rates go from as low as $634 for minimum levels of liability insurance to the much higher price of $3,192 for a policy for a high-risk driver.
Urban vs. Rural Price Range
Where you live can have significant affects on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than congested cities.
The example below illustrates the effect of geographic area on car insurance rates.
The examples above highlight why everyone should compare prices based on a specific location and risk profile, instead of using 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 Details
The chart below breaks down estimated Nissan Titan XD insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $870
- Using higher $1,000 deductibles will save around $160 every year
- The average rate for a good driver age 40 with $500 deductibles is $1,476
- Buying pricier low deductibles for physical damage coverage will increase the cost to $1,788
- Drivers with multiple tickets or accidents could pay upwards of $3,192 or more
- Policy cost for full coverage for a teen driver for full coverage may cost $5,764 or more
Car insurance rates for a Nissan Titan XD also range considerably based on your risk profile, the model of your Titan XD, and policy deductibles and limits.
A more mature driver with no driving violations and high deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $5,700 a year. View Rates by Age
Your home state has a huge impact on Nissan Titan XD insurance prices. A driver around age 40 might see rates as low as $1,130 a year in states like Missouri, New Hampshire, and Vermont, or at least $2,100 on average in Michigan, New York, and Louisiana.
| 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% |
Opting for high physical damage deductibles could cut rates by as much as $480 every year, whereas buying more liability protection will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $513 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,700 to $2,500 extra every year, depending on your age. Nissan Titan XD insurance for high-risk drivers can be as much as 43% to 128% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the best way to figure out exactly what you will pay is to regularly compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, so rate quotes will be varied from one company to the next.
| 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 the Cheapest Nissan Titan XD Insurance
Finding cheaper rates on car insurance requires not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to compare rates every year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following is a recap of the coverage data covered in the above illustrations.
- You may be able to save as much as $170 per year simply by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save around $475 each year
- Teens are expensive to insure, with premiums being up to $480 each month if full coverage is included
- Higher risk drivers that have major violations or accidents may pay on average $1,720 more each year for Titan XD insurance
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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