Nissan Titan Insurance Rates

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UPDATED: Apr 11, 2024

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Nissan Titan insurance

The average insurance prices for a Nissan Titan are $1,374 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $260 each year, collision costs $424, and liability insurance costs around $510. Liability-only coverage costs as low as $568 a year, with high-risk coverage costing $2,966 or more. Teens cost the most to insure at $5,308 a year or more.

Average premium for full coverage: $1,374

Policy rates broken down by type of insurance:

Comprehensive $260
Collision $424
Liability $510

Includes $500 deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and Titan models.

Price Range Variability

For an average driver, Nissan Titan insurance rates go from the cheapest price of $568 for your basic liability-only policy to a high rate of $2,966 for coverage for higher-risk drivers.

Liability Only $568
Full Coverage $1,374
High Risk $2,966

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion.

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

Rural Areas $1,031
Small Cities $1,443
Large Cities $1,855

The examples above illustrate why all drivers should compare prices for a targeted area and their own driving history, rather than relying on averaged prices.

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 Information

The chart below illustrates estimated Nissan Titan insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $807
  • Using higher $1,000 deductibles will save approximately $154 each year
  • The average price for a good driver age 40 who has $500 deductibles is $1,374
  • Selecting low deductibles for physical damage coverage costs an extra $300 a year
  • Drivers with serious driving violations could pay up to $2,966 or more
  • Policy cost to insure a teen driver can cost as much as $5,308 or more

View Chart as Image

Nissan Titan insurance cost comparison chart
Column chart showing full coverage Nissan Titan insurance prices range from $807 to $5,308

Insurance rates for a Nissan Titan also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $460 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $507 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay at least $5,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,600 to $2,300 additional every year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Nissan Titan insurance rates. A driver around age 40 might see rates as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,850 on average in Florida, New York, and Michigan.

Nissan Titan Insurance Rates by State
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%

View Chart as Image

Nissan Titan insurance rates by U.S. city

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Each insurance company calculates rates differently, and rates will be varied.

Insurance Rates by Trim Level and Model Year

Nissan Titan Insurance Rates by Model and Trim Level
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.

Nissan Titan Insurance Rates by Model Year
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 Shop for the Cheapest Nissan Titan Insurance

Finding cheaper rates on Nissan Titan insurance requires not taking risks behind the wheel, having above-average credit, being claim-free, and maximizing policy discounts. Take the time to compare rates at least once a year by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The following is a recap of the primary concepts that were covered in the above illustrations.

  • It is possible to save approximately $160 per year simply by quoting online in advance
  • High-risk drivers that have major violations or accidents could be forced to pay on average $1,590 more annually for Titan insurance
  • Increasing comprehensive and collision deductibles could save as much as $450 each year
  • Teens are expensive to insure, possibly costing $442 each month if full coverage is included

Rates by Driver Age

Nissan Titan Insurance 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

Nissan Titan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,674
$250 $1,536
$500 $1,374
$1,000 $1,220

Full coverage, driver age 40

Rates by Liability Limit

Nissan Titan Insurance Rates with Different Liability Limits
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

Nissan Titan Insurance 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.

SR-22 Surcharge $189

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
Rate after discounts $807

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

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