Nissan Titan Insurance Rates
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UPDATED: Jun 3, 2023
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U.S. average insurance prices for a Nissan Titan are $986 every 12 months with full coverage. Comprehensive insurance costs an estimated $142 a year, collision insurance costs $160, and liability costs $504. Liability-only coverage costs as little as $564 a year, and high-risk coverage costs $2,116 or more. 16-year-old drivers pay the highest rates at up to $4,078 a year.
Average premium for full coverage: $986
Price estimates broken down by individual coverage:
Prices are based on $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Titan trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Nissan Titan insurance prices range from the cheapest price of $564 for just liability insurance to a high of $2,116 for a high-risk insurance policy.
Geographic Price Range
Your location can make a big difference on car insurance rates. More rural locations have more infrequent collision claims than congested cities. The diagram below illustrates how rural and urban location affects insurance prices.
The ranges above demonstrate why it is important to compare rates for a targeted area and their own driving history, 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.
More Rate Details
The chart below details average Nissan Titan insurance rates for other coverage scenarios.
- The best full coverage rate is $615
- Drivers who choose higher $1,000 deductibles will pay approximately $918 annually
- The average price for the average middle-age driver who has $500 deductibles is $986
- Buying low $100 deductibles for comprehensive and collision insurance costs an extra $132 annually
- Drivers with multiple tickets or accidents could pay up to $2,116
- The price to insure a 16-year-old driver can cost as much as $4,078 a year
Auto insurance prices for a Nissan Titan are also quite variable based on deductibles and policy limits, your driving record, and the model year and trim level.
Opting for high physical damage deductibles could save up to $200 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $502 extra every year. View Rates by Deductible or Liability Limit
Older drivers with a good driving record and higher deductibles may pay as low as $900 per year on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay at least $4,000 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you may be forking out $1,200 to $1,700 in extra premium each year, depending on your age. A high-risk auto insurance policy can cost from 42% to 135% more than the average rate. View High Risk Driver Rates
The state you live in makes a big difference in Nissan Titan insurance prices. A 40-year-old driver could pay as low as $710 a year in states like Utah, Ohio, and New Hampshire, or at least $1,330 on average in New York, Michigan, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $894 | -$92 | -9.3% |
| Alaska | $760 | -$226 | -22.9% |
| Arizona | $820 | -$166 | -16.8% |
| Arkansas | $986 | -$0 | 0.0% |
| California | $1,126 | $140 | 14.2% |
| Colorado | $942 | -$44 | -4.5% |
| Connecticut | $1,014 | $28 | 2.8% |
| Delaware | $1,120 | $134 | 13.6% |
| Florida | $1,234 | $248 | 25.2% |
| Georgia | $912 | -$74 | -7.5% |
| Hawaii | $708 | -$278 | -28.2% |
| Idaho | $668 | -$318 | -32.3% |
| Illinois | $734 | -$252 | -25.6% |
| Indiana | $746 | -$240 | -24.3% |
| Iowa | $666 | -$320 | -32.5% |
| Kansas | $938 | -$48 | -4.9% |
| Kentucky | $1,348 | $362 | 36.7% |
| Louisiana | $1,464 | $478 | 48.5% |
| Maine | $612 | -$374 | -37.9% |
| Maryland | $814 | -$172 | -17.4% |
| Massachusetts | $788 | -$198 | -20.1% |
| Michigan | $1,714 | $728 | 73.8% |
| Minnesota | $826 | -$160 | -16.2% |
| Mississippi | $1,184 | $198 | 20.1% |
| Missouri | $874 | -$112 | -11.4% |
| Montana | $1,060 | $74 | 7.5% |
| Nebraska | $778 | -$208 | -21.1% |
| Nevada | $1,186 | $200 | 20.3% |
| New Hampshire | $714 | -$272 | -27.6% |
| New Jersey | $1,106 | $120 | 12.2% |
| New Mexico | $874 | -$112 | -11.4% |
| New York | $1,042 | $56 | 5.7% |
| North Carolina | $568 | -$418 | -42.4% |
| North Dakota | $812 | -$174 | -17.6% |
| Ohio | $680 | -$306 | -31.0% |
| Oklahoma | $1,012 | $26 | 2.6% |
| Oregon | $904 | -$82 | -8.3% |
| Pennsylvania | $942 | -$44 | -4.5% |
| Rhode Island | $1,318 | $332 | 33.7% |
| South Carolina | $898 | -$88 | -8.9% |
| South Dakota | $834 | -$152 | -15.4% |
| Tennessee | $864 | -$122 | -12.4% |
| Texas | $1,190 | $204 | 20.7% |
| Utah | $730 | -$256 | -26.0% |
| Vermont | $678 | -$308 | -31.2% |
| Virginia | $590 | -$396 | -40.2% |
| Washington | $762 | -$224 | -22.7% |
| West Virginia | $906 | -$80 | -8.1% |
| Wisconsin | $684 | -$302 | -30.6% |
| Wyoming | $882 | -$104 | -10.5% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Nissan Titan XE King Cab 4WD | $878 | $73 |
| Nissan Titan SE King Cab 4WD | $894 | $75 |
| Nissan Titan XE Crew Cab 4WD | $894 | $75 |
| Nissan Titan XE King Cab 2WD | $1,048 | $87 |
| Nissan Titan Pro-4X King Cab 4WD | $916 | $76 |
| Nissan Titan SE Crew Cab 4WD | $916 | $76 |
| Nissan Titan SE King Cab 2WD | $1,060 | $88 |
| Nissan Titan XE Crew Cab 2WD | $1,060 | $88 |
| Nissan Titan LE Crew Cab 4WD | $932 | $78 |
| Nissan Titan Pro-4X Crew Cab 4WD | $932 | $78 |
| Nissan Titan SE Crew Cab 2WD | $1,076 | $90 |
| Nissan Titan LE Crew Cab 2WD | $1,108 | $92 |
Rates assume 2004 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2017 Nissan Titan | $260 | $424 | $510 | $1,374 |
| 2016 Nissan Titan | $250 | $400 | $514 | $1,344 |
| 2011 Nissan Titan | $194 | $268 | $534 | $1,176 |
| 2009 Nissan Titan | $176 | $222 | $534 | $1,112 |
| 2008 Nissan Titan | $166 | $202 | $534 | $1,082 |
| 2005 Nissan Titan | $156 | $168 | $510 | $1,014 |
| 2004 Nissan Titan | $142 | $160 | $504 | $986 |
Rates are averaged for all Nissan Titan 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 Affordable Nissan Titan Insurance
Getting lower rates on insurance for a Nissan Titan not only requires being a good driver, but also having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to shop around at least every other year by getting quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a brief review of the car insurance concepts raised in the charts and tables above.
- Drivers considered higher risk with DUI or reckless driving convictions may pay on average $1,130 more annually than a safer driver
- You may be able to save approximately $110 per year just by quoting early and online
- Increasing physical damage deductibles could save as much as $200 each year
- Insureds who want an increased level of liability coverage will pay around $550 every year to go from a low limit to a 250/500 level
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $4,078 |
| 20 | $2,254 |
| 30 | $996 |
| 40 | $986 |
| 50 | $908 |
| 60 | $888 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,118 |
| $250 | $1,060 |
| $500 | $986 |
| $1,000 | $918 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $986 |
| 50/100 | $1,220 |
| 100/300 | $1,359 |
| 250/500 | $1,722 |
| 100 CSL | $1,275 |
| 300 CSL | $1,582 |
| 500 CSL | $1,806 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $5,718 |
| 20 | $3,586 |
| 30 | $2,126 |
| 40 | $2,116 |
| 50 | $2,026 |
| 60 | $2,004 |
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 | $48 |
| Multi-vehicle | $53 |
| Homeowner | $18 |
| 5-yr Accident Free | $55 |
| 5-yr Claim Free | $60 |
| Paid in Full/EFT | $32 |
| Advance Quote | $41 |
| Online Quote | $64 |
| Total Discounts | $371 |
Discounts are estimated and may not be available from every company or in every state.
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