Nissan Titan Insurance Rates

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UPDATED: Jun 3, 2023

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Nissan Titan insurance

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:

Comprehensive $142
Collision $160
Liability $504

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.

Liability Only $564
Full Coverage $986
High Risk $2,116

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.

Rural Areas $740
Small Cities $1,035
Large Cities $1,331

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

View Chart as Image

Nissan Titan insurance cost comparison chart
Column chart showing Nissan Titan insurance prices range from $615 to $4,078 for full coverage

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.

Nissan Titan Insurance Rates by State
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%

View Chart as Image

Nissan Titan insurance rates by U.S. city

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 $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.

Nissan Titan Insurance Rates by Model Year
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

Rates by Driver Age

Nissan Titan Insurance 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

Nissan Titan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,118
$250 $1,060
$500 $986
$1,000 $918

Full coverage, driver age 40

Rates by Liability Limit

Nissan Titan Insurance Rates with Different Liability Limits
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

Nissan Titan Insurance 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.

SR-22 Surcharge $129

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
Rate after discounts $615

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

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