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 prices for a Nissan Titan XD are $1,422 every 12 months with full coverage. Comprehensive insurance costs around $248, collision costs $400, and liability costs around $574. A liability-only policy costs as low as $638 a year, with high-risk 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 for type of coverage:
Includes $500 policy deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all U.S. states and for different Titan XD trim levels.
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 cheapest price of $638 for basic liability insurance to a much higher rate of $3,074 for a high-risk insurance policy.
Insurance Price Range by Location
Where you live can have significant affects on insurance rates. Areas with sparse population are statistically proven to have more infrequent collision claims than larger metro areas.
The price range example below illustrates how rural and urban location affects auto insurance rates.
These rate differences demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and their own driving history, instead of 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 details estimated Nissan Titan XD insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $844
- Using higher $1,000 deductibles will save about $146 annually
- The average price for a 40-year-old good driver using $500 deductibles is $1,422
- Choosing more expensive low deductibles for physical damage coverage costs an extra $284 every year
- Drivers with multiple violations and an at-fault accident could pay at least $3,074 or more
- An auto insurance policy to insure a teen driver with full coverage can be $5,596 or more
Auto insurance prices for a Nissan Titan XD also have a wide range based on physical damage deductibles and liability limits, your driving record, and the trim level and model year.
Choosing high deductibles could cut prices by as much as $430 every year, while increasing your policy's liability limits will increase prices. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $516 extra every year. View Rates by Deductible or Liability Limit
An older driver with a good driving record and higher deductibles may pay as little as $1,300 a year, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers will have to pay as much as $5,500 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you may be forking out at least $1,700 to $2,400 in extra premium annually, depending on your age. High-risk driver insurance can be as much as 43% to 133% more than average. View High Risk Driver Rates
Where you choose to live has a huge impact on Nissan Titan XD insurance prices. A driver around age 40 might see prices 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% |
With such a large range in prices, the best way to find out your exact price is to compare prices and see which company has the best price. Each insurance company uses a different rate calculation, and quoted 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 Shop for the Cheapest Nissan Titan XD Insurance
Finding better rates on car insurance requires being safe and accident-free, having a good credit score, being claim-free, and maximizing policy discounts. Set aside time to shop around at least every other year by obtaining price quotes from direct companies, and also from several local insurance agents.
Below you'll find a recap of the car insurance concepts raised in the charts and tables above.
- Higher risk drivers that have major violations or accidents pay on average $1,650 more every year than a low-risk driver
- You may be able to save up to $160 per year simply by shopping early and online
- Increasing policy deductibles could save as much as $425 each year
- Policyholders who may need more liability protection will pay about $630 every year to increase from 30/60 bodily injury limits to a 250/500 level
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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