Nissan Titan Insurance Rates
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UPDATED: Apr 11, 2024
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The average auto insurance rates for a Nissan Titan are $1,374 annually with full coverage. Comprehensive insurance costs approximately $260, collision insurance costs $424, and liability costs around $510. A liability-only policy costs as low as $568 a year, and high-risk insurance costs $2,966 or more. Teenage drivers cost the most to insure at up to $5,308 a year.
Average premium for full coverage: $1,374
Policy rates by type of insurance:
Estimates include $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all Titan models.
Price Range Variability
For the average driver, Nissan Titan insurance rates range from as cheap as $568 for just liability coverage to the much higher price of $2,966 for coverage for higher-risk drivers.
Urban vs. Rural Price Range
Where you live can make a big difference on the price of insurance. Rural locations are shown to have fewer collision claims than densely populated cities. The example below illustrates how location impacts auto insurance prices.
The examples above demonstrate why everyone should compare prices using their specific location and their own personal driving habits, instead of making a decision based on 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.
Detailed Rate Analysis
The chart below details average Nissan Titan insurance rates for additional coverage and risk scenarios.
- The best discount rate is $807
- Using higher $1,000 deductibles will save $154 annually
- The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,374
- Using pricier low deductibles for physical damage coverage costs an additional $300 annually
- High-risk insureds who are prone to accidents and violations could pay around $2,966
- Policy cost with full coverage for a 16-year-old driver for full coverage can cost $5,308 or more
Car insurance rates for a Nissan Titan also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.
A more mature driver with no driving violations and high physical damage deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged in the ballpark of $5,300 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,600 to $2,300 extra every year, depending on your age. Nissan Titan insurance for high-risk drivers can be from 43% to 130% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $460 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $507 extra every 12 months. View Rates by Deductible or Liability Limit
Your home state has a huge impact on Nissan Titan insurance prices. A driver around age 40 might see rates as low as $990 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,850 on average in New York, Michigan, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $1,240 | -$134 | -9.8% |
Alaska | $1,054 | -$320 | -23.3% |
Arizona | $1,142 | -$232 | -16.9% |
Arkansas | $1,374 | -$0 | 0.0% |
California | $1,566 | $192 | 14.0% |
Colorado | $1,310 | -$64 | -4.7% |
Connecticut | $1,412 | $38 | 2.8% |
Delaware | $1,554 | $180 | 13.1% |
Florida | $1,718 | $344 | 25.0% |
Georgia | $1,268 | -$106 | -7.7% |
Hawaii | $984 | -$390 | -28.4% |
Idaho | $932 | -$442 | -32.2% |
Illinois | $1,022 | -$352 | -25.6% |
Indiana | $1,036 | -$338 | -24.6% |
Iowa | $926 | -$448 | -32.6% |
Kansas | $1,304 | -$70 | -5.1% |
Kentucky | $1,874 | $500 | 36.4% |
Louisiana | $2,032 | $658 | 47.9% |
Maine | $848 | -$526 | -38.3% |
Maryland | $1,132 | -$242 | -17.6% |
Massachusetts | $1,098 | -$276 | -20.1% |
Michigan | $2,386 | $1,012 | 73.7% |
Minnesota | $1,150 | -$224 | -16.3% |
Mississippi | $1,646 | $272 | 19.8% |
Missouri | $1,216 | -$158 | -11.5% |
Montana | $1,476 | $102 | 7.4% |
Nebraska | $1,082 | -$292 | -21.3% |
Nevada | $1,650 | $276 | 20.1% |
New Hampshire | $992 | -$382 | -27.8% |
New Jersey | $1,536 | $162 | 11.8% |
New Mexico | $1,216 | -$158 | -11.5% |
New York | $1,446 | $72 | 5.2% |
North Carolina | $792 | -$582 | -42.4% |
North Dakota | $1,126 | -$248 | -18.0% |
Ohio | $948 | -$426 | -31.0% |
Oklahoma | $1,410 | $36 | 2.6% |
Oregon | $1,258 | -$116 | -8.4% |
Pennsylvania | $1,308 | -$66 | -4.8% |
Rhode Island | $1,832 | $458 | 33.3% |
South Carolina | $1,246 | -$128 | -9.3% |
South Dakota | $1,160 | -$214 | -15.6% |
Tennessee | $1,202 | -$172 | -12.5% |
Texas | $1,656 | $282 | 20.5% |
Utah | $1,016 | -$358 | -26.1% |
Vermont | $940 | -$434 | -31.6% |
Virginia | $822 | -$552 | -40.2% |
Washington | $1,060 | -$314 | -22.9% |
West Virginia | $1,260 | -$114 | -8.3% |
Wisconsin | $950 | -$424 | -30.9% |
Wyoming | $1,224 | -$150 | -10.9% |
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Nissan Titan XE King Cab 4WD | $1,222 | $102 |
Nissan Titan SE King Cab 4WD | $1,260 | $105 |
Nissan Titan XE Crew Cab 4WD | $1,260 | $105 |
Nissan Titan XE King Cab 2WD | $1,414 | $118 |
Nissan Titan Pro-4X King Cab 4WD | $1,320 | $110 |
Nissan Titan SE Crew Cab 4WD | $1,320 | $110 |
Nissan Titan SE King Cab 2WD | $1,448 | $121 |
Nissan Titan XE Crew Cab 2WD | $1,448 | $121 |
Nissan Titan LE Crew Cab 4WD | $1,354 | $113 |
Nissan Titan Pro-4X Crew Cab 4WD | $1,354 | $113 |
Nissan Titan SE Crew Cab 2WD | $1,484 | $124 |
Nissan Titan LE Crew Cab 2WD | $1,556 | $130 |
Rates assume 2019 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 |
---|---|---|---|---|
2024 Nissan Titan | $320 | $512 | $440 | $1,452 |
2023 Nissan Titan | $306 | $506 | $450 | $1,442 |
2022 Nissan Titan | $296 | $494 | $470 | $1,440 |
2021 Nissan Titan | $286 | $474 | $486 | $1,426 |
2020 Nissan Titan | $270 | $458 | $500 | $1,408 |
2019 Nissan Titan | $260 | $424 | $510 | $1,374 |
2018 Nissan Titan | $250 | $400 | $514 | $1,344 |
2017 Nissan Titan | $240 | $358 | $520 | $1,298 |
2016 Nissan Titan | $224 | $330 | $520 | $1,254 |
2011 Nissan Titan | $176 | $222 | $534 | $1,112 |
2009 Nissan Titan | $162 | $182 | $530 | $1,054 |
2008 Nissan Titan | $158 | $178 | $520 | $1,036 |
2005 Nissan Titan | $138 | $152 | $500 | $970 |
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 Buy Low Cost Nissan Titan Insurance
Finding cheaper rates on insurance for a Nissan Titan requires being a good driver, having a good credit score, not filing small claims, and attention to physical damage deductibles. Spend time shopping around at least once a year by getting rate quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The following list is a review of the primary concepts that were touched on above.
- You may be able to save around $160 per year just by quoting online well ahead of the renewal date
- Drivers considered higher risk who have several accidents or serious violations may pay on average $1,590 more per year than a safer driver
- Increasing comprehensive and collision deductibles could save up to $450 each year
- Drivers age 16 to 20 pay the highest auto insurance rates, as much as $442 each month if comprehensive and collision insurance is included
Rate Tables and Charts
Rates by Driver Age
Driver Age | Premium |
---|---|
16 | $5,308 |
20 | $3,158 |
30 | $1,418 |
40 | $1,374 |
50 | $1,258 |
60 | $1,234 |
Full coverage, $500 deductibles
Rates by Deductible
Deductible | Premium |
---|---|
$100 | $1,674 |
$250 | $1,536 |
$500 | $1,374 |
$1,000 | $1,220 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $1,374 |
50/100 | $1,669 |
100/300 | $1,810 |
250/500 | $2,176 |
100 CSL | $1,725 |
300 CSL | $2,035 |
500 CSL | $2,261 |
Full coverage, driver age 40
Rates for High Risk Drivers
Age | Premium |
---|---|
16 | $7,534 |
20 | $5,030 |
30 | $3,012 |
40 | $2,966 |
50 | $2,834 |
60 | $2,808 |
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 | $72 |
Multi-vehicle | $73 |
Homeowner | $22 |
5-yr Accident Free | $94 |
5-yr Claim Free | $88 |
Paid in Full/EFT | $57 |
Advance Quote | $65 |
Online Quote | $96 |
Total Discounts | $567 |
Discounts are estimated and may not be available from every company or in every state.
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