Nissan Titan XD Insurance Rates

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UPDATED: Apr 5, 2024

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U.S. average insurance rates for a Nissan Titan XD are $1,476 a year including full coverage. Comprehensive costs an estimated $260 each year, collision costs $446, and liability coverage costs $570. A policy with just liability insurance costs as little as $634 a year, with coverage for high-risk drivers costing around $3,192. 16-year-old drivers pay the highest rates at $5,764 a year or more.

Average premium for full coverage: $1,476

Price estimates broken down by individual coverage:

Comprehensive $260
Collision $446
Liability $570

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and Titan XD models.

Price Range from Low to High

For an average driver, Nissan Titan XD insurance prices go from the low end price of $634 for minimum levels of liability insurance to a high rate of $3,192 for coverage for higher-risk drivers.

Liability Only $634
Full Coverage $1,476
High Risk $3,192

Geographic Price Range

Your location has a large influence on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than congested cities.

The graphic below illustrates the effect of geographic area on insurance prices.

Rural Areas $1,107
Small Cities $1,550
Large Cities $1,993

The ranges above highlight why all drivers should compare rates for a targeted area, rather than 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 other coverage scenarios.

  • The best full coverage rate is $870
  • Drivers who choose higher $1,000 deductibles will pay approximately $160 every year
  • The estimated price for the average middle-age driver who has $500 deductibles is $1,476
  • Buying low deductibles for comprehensive and collision insurance bumps up the cost to $1,788
  • High-risk insureds with multiple tickets or accidents could pay up to $3,192 or more
  • The price that insures a teenage driver can cost as much as $5,764 a year

View Chart as Image

Nissan Titan XD insurance cost comparison chart
Column chart showing full coverage Nissan Titan XD insurance rates range from $870 to $5,764

Insurance prices for a Nissan Titan XD are also quite variable based on the trim level and model year, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,700 to $2,500 extra each year, depending on your age. Insurance for high-risk drivers can cost around 43% to 128% 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 only pay around $1,400 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $5,700 a year. View Rates by Age

The state you live in makes a big difference in Nissan Titan XD insurance rates. A 40-year-old driver could pay as low as $1,130 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,100 on average in Louisiana, New York, and Michigan.

Nissan Titan XD Insurance Rates by State
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%

View Chart as Image

Nissan Titan XD insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $480 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $513 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison and see how they stack up. Every company utilizes a different rate formula, so the prices may be quite different.

Nissan Titan XD Insurance Rates by Model Year
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 More Affordable Nissan Titan XD Insurance

Getting lower rates on auto insurance not only requires having a decent driving record, but also having above-average credit, being claim-free, and taking advantage of discounts. Comparison shop at least once a year by requesting rates from direct car insurance companies, and also from your local car insurance providers.

The following items are a summary of the primary concepts that were covered in the above illustrations.

  • You may be able to save approximately $170 per year simply by quoting online in advance
  • Drivers who have multiple accidents or major violations could be charged and average of $1,720 more annually than a driver with a clean driving record
  • Increasing physical damage deductibles can save approximately $475 each year
  • 16 to 18-year-old drivers are charged the highest prices, possibly costing $480 a month if full coverage is included

Rates by Driver Age

Nissan Titan XD Insurance 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

Nissan Titan XD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,788
$250 $1,644
$500 $1,476
$1,000 $1,316

Full coverage, driver age 40

Rates by Liability Limit

Nissan Titan XD Insurance Rates with Different Liability Limits
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

Nissan Titan XD Insurance 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.

SR-22 Surcharge $204

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
Rate after discounts $870

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

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