Nissan Titan XD Insurance Rates
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UPDATED: Apr 5, 2024
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Estimated insurance rates for a Nissan Titan XD are $1,508 a year for full coverage insurance. Comprehensive insurance costs on average $270, collision costs $474, and liability is estimated at $564. A liability-only policy costs approximately $628 a year, with high-risk insurance costing $3,266 or more. Teenage drivers pay the most at $5,864 a year or more.
Average premium for full coverage: $1,508
Premium estimates by type of coverage:
Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for all Titan XD models.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Nissan Titan XD go from as low as $628 for just the minimum liability insurance to the much higher price of $3,266 for high-risk insurance.
Insurance Price Range by Location
Living in a larger city can have significant affects on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than densely populated cities.
The example below illustrates how geographic area affects car insurance rates.
These rate differences illustrate why everyone should get quotes based on a specific location and risk profile, instead of using 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 Analysis
The chart below illustrates estimated Nissan Titan XD insurance rates for different risk profiles and scenarios.
- The best discount rate is $884
- Choosing higher $1,000 deductibles can save around $168 each year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,508
- Using pricier low deductibles for comp and collision coverage will cost an extra $328 every year
- Unlucky drivers who are prone to accidents and violations could pay upwards of $3,266 or more
- An auto insurance policy for full coverage for a teen driver for full coverage may cost $5,864 each year
Auto insurance prices for a Nissan Titan XD also have a wide range based on your driving characteristics, the model year and trim level, and policy deductibles and limits.
A more mature driver with a good driving record and high deductibles may pay as little as $1,400 annually on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards of $5,800 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Nissan Titan XD insurance prices. A good driver about age 40 could pay as low as $980 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $2,030 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,362 | -$146 | -9.7% |
| Alaska | $1,156 | -$352 | -23.3% |
| Arizona | $1,250 | -$258 | -17.1% |
| Arkansas | $1,508 | -$0 | 0.0% |
| California | $1,716 | $208 | 13.8% |
| Colorado | $1,438 | -$70 | -4.6% |
| Connecticut | $1,550 | $42 | 2.8% |
| Delaware | $1,706 | $198 | 13.1% |
| Florida | $1,882 | $374 | 24.8% |
| Georgia | $1,390 | -$118 | -7.8% |
| Hawaii | $1,080 | -$428 | -28.4% |
| Idaho | $1,024 | -$484 | -32.1% |
| Illinois | $1,124 | -$384 | -25.5% |
| Indiana | $1,138 | -$370 | -24.5% |
| Iowa | $1,018 | -$490 | -32.5% |
| Kansas | $1,430 | -$78 | -5.2% |
| Kentucky | $2,056 | $548 | 36.3% |
| Louisiana | $2,232 | $724 | 48.0% |
| Maine | $930 | -$578 | -38.3% |
| Maryland | $1,246 | -$262 | -17.4% |
| Massachusetts | $1,204 | -$304 | -20.2% |
| Michigan | $2,618 | $1,110 | 73.6% |
| Minnesota | $1,262 | -$246 | -16.3% |
| Mississippi | $1,806 | $298 | 19.8% |
| Missouri | $1,338 | -$170 | -11.3% |
| Montana | $1,620 | $112 | 7.4% |
| Nebraska | $1,188 | -$320 | -21.2% |
| Nevada | $1,806 | $298 | 19.8% |
| New Hampshire | $1,084 | -$424 | -28.1% |
| New Jersey | $1,684 | $176 | 11.7% |
| New Mexico | $1,336 | -$172 | -11.4% |
| New York | $1,586 | $78 | 5.2% |
| North Carolina | $866 | -$642 | -42.6% |
| North Dakota | $1,236 | -$272 | -18.0% |
| Ohio | $1,042 | -$466 | -30.9% |
| Oklahoma | $1,546 | $38 | 2.5% |
| Oregon | $1,380 | -$128 | -8.5% |
| Pennsylvania | $1,438 | -$70 | -4.6% |
| Rhode Island | $2,010 | $502 | 33.3% |
| South Carolina | $1,366 | -$142 | -9.4% |
| South Dakota | $1,272 | -$236 | -15.6% |
| Tennessee | $1,320 | -$188 | -12.5% |
| Texas | $1,818 | $310 | 20.6% |
| Utah | $1,116 | -$392 | -26.0% |
| Vermont | $1,030 | -$478 | -31.7% |
| Virginia | $902 | -$606 | -40.2% |
| Washington | $1,164 | -$344 | -22.8% |
| West Virginia | $1,382 | -$126 | -8.4% |
| Wisconsin | $1,044 | -$464 | -30.8% |
| Wyoming | $1,342 | -$166 | -11.0% |
Using high physical damage deductibles can save as much as $500 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $507 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,800 to $2,500 in extra premium annually, depending on your age. Nissan Titan XD insurance for high-risk drivers ranges as much as 43% to 133% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the only way to figure out exactly what you will pay is to regularly compare prices and see which company has the best price. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially different from one company to the next.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Nissan Titan XD | $348 | $594 | $466 | $1,608 |
| 2023 Nissan Titan XD | $332 | $570 | $488 | $1,590 |
| 2022 Nissan Titan XD | $320 | $566 | $498 | $1,584 |
| 2021 Nissan Titan XD | $308 | $552 | $520 | $1,580 |
| 2020 Nissan Titan XD | $298 | $530 | $536 | $1,564 |
| 2019 Nissan Titan XD | $282 | $512 | $554 | $1,548 |
| 2018 Nissan Titan XD | $270 | $474 | $564 | $1,508 |
| 2017 Nissan Titan XD | $260 | $446 | $570 | $1,476 |
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 Nissan Titan XD Insurance
Finding better rates on car insurance takes avoiding accidents and violations, having good credit, paying for small claims out-of-pocket, and taking advantage of discounts. Invest the time to compare rates every couple of years by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The list below is a brief recap of the material that was presented in the illustrations above.
- Policyholders who require higher liability limits will pay an extra $620 annually to raise limits from 30/60 bodily injury limits to 250/500 limits
- Teenagers are charged the highest prices, with premiums being up to $489 per month if they have full coverage
- Higher risk drivers who tend to receive serious violations pay an average of $1,760 more each year for car insurance
- Increasing policy deductibles can save around $500 each year
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,864 |
| 20 | $3,482 |
| 30 | $1,554 |
| 40 | $1,508 |
| 50 | $1,380 |
| 60 | $1,352 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,836 |
| $250 | $1,684 |
| $500 | $1,508 |
| $1,000 | $1,340 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,508 |
| 50/100 | $1,621 |
| 100/300 | $1,762 |
| 250/500 | $2,128 |
| 100 CSL | $1,677 |
| 300 CSL | $1,987 |
| 500 CSL | $2,213 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,324 |
| 20 | $5,550 |
| 30 | $3,318 |
| 40 | $3,266 |
| 50 | $3,122 |
| 60 | $3,088 |
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 | $78 |
| Multi-vehicle | $81 |
| Homeowner | $24 |
| 5-yr Accident Free | $104 |
| 5-yr Claim Free | $97 |
| Paid in Full/EFT | $63 |
| Advance Quote | $72 |
| Online Quote | $105 |
| Total Discounts | $624 |
Discounts are estimated and may not be available from every company or in every state.
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