Nissan Titan Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Apr 11, 2024

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Nissan Titan insurance

The average insurance rates for a Nissan Titan are $1,408 a year for full coverage insurance. Comprehensive costs around $270, collision insurance costs $458, and liability coverage costs $500. Buying just liability costs as little as $560 a year, and insurance for high-risk drivers costs around $3,040. 16-year-old drivers cost the most to insure at up to $5,408 a year.

Average premium for full coverage: $1,408

Policy rates for type of insurance:

Comprehensive $270
Collision $458
Liability $500

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and for different Titan trim levels.

Price Range Variability

For the average driver, Nissan Titan insurance rates range from as low as $560 for just the minimum liability insurance to a much higher rate of $3,040 for a policy for a high-risk driver.

Liability Only $560
Full Coverage $1,408
High Risk $3,040

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than congested cities. The price range example below illustrates how location impacts auto insurance rates.

Rural Areas $1,056
Small Cities $1,478
Large Cities $1,901

The examples above illustrate why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, 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 Analysis

The chart below illustrates average Nissan Titan insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $824
  • Drivers who choose higher $1,000 deductibles will pay about $166 each year
  • The average rate for a good driver age 40 using $500 deductibles is $1,408
  • Buying more expensive low deductibles for comprehensive and collision insurance will increase the cost to $1,728
  • High-risk insureds with multiple tickets or accidents could pay at least $3,040
  • Policy cost for full coverage for a teenage driver with full coverage can be $5,408 a year

View Chart as Image

Nissan Titan insurance cost comparison chart
Column chart showing Nissan Titan insurance rates range from $824 to $5,408 for full coverage

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

An older driver with a clean driving record and high deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay as much as $5,400 a year. View Rates by Age

Your home state makes a big difference in Nissan Titan insurance rates. A 40-year-old driver could pay as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,900 on average in Michigan, New York, and Florida.

Nissan Titan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,272 -$136 -9.7%
Alaska $1,080 -$328 -23.3%
Arizona $1,168 -$240 -17.0%
Arkansas $1,408 -$0 0.0%
California $1,604 $196 13.9%
Colorado $1,342 -$66 -4.7%
Connecticut $1,446 $38 2.7%
Delaware $1,594 $186 13.2%
Florida $1,760 $352 25.0%
Georgia $1,300 -$108 -7.7%
Hawaii $1,008 -$400 -28.4%
Idaho $954 -$454 -32.2%
Illinois $1,046 -$362 -25.7%
Indiana $1,060 -$348 -24.7%
Iowa $948 -$460 -32.7%
Kansas $1,334 -$74 -5.3%
Kentucky $1,918 $510 36.2%
Louisiana $2,084 $676 48.0%
Maine $868 -$540 -38.4%
Maryland $1,162 -$246 -17.5%
Massachusetts $1,124 -$284 -20.2%
Michigan $2,442 $1,034 73.4%
Minnesota $1,176 -$232 -16.5%
Mississippi $1,686 $278 19.7%
Missouri $1,248 -$160 -11.4%
Montana $1,512 $104 7.4%
Nebraska $1,108 -$300 -21.3%
Nevada $1,688 $280 19.9%
New Hampshire $1,014 -$394 -28.0%
New Jersey $1,574 $166 11.8%
New Mexico $1,246 -$162 -11.5%
New York $1,482 $74 5.3%
North Carolina $812 -$596 -42.3%
North Dakota $1,154 -$254 -18.0%
Ohio $970 -$438 -31.1%
Oklahoma $1,444 $36 2.6%
Oregon $1,290 -$118 -8.4%
Pennsylvania $1,340 -$68 -4.8%
Rhode Island $1,876 $468 33.2%
South Carolina $1,274 -$134 -9.5%
South Dakota $1,188 -$220 -15.6%
Tennessee $1,230 -$178 -12.6%
Texas $1,696 $288 20.5%
Utah $1,040 -$368 -26.1%
Vermont $962 -$446 -31.7%
Virginia $842 -$566 -40.2%
Washington $1,086 -$322 -22.9%
West Virginia $1,290 -$118 -8.4%
Wisconsin $974 -$434 -30.8%
Wyoming $1,254 -$154 -10.9%

View Chart as Image

Nissan Titan insurance rates by U.S. city

Opting for high physical damage deductibles could save up to $490 a year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $498 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,700 to $2,300 extra every year, depending on your age. High-risk driver insurance can cost around 43% to 135% more than the average rate. View High Risk Driver Rates

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 $1,252 $104
Nissan Titan SE King Cab 4WD $1,290 $108
Nissan Titan XE Crew Cab 4WD $1,290 $108
Nissan Titan XE King Cab 2WD $1,444 $120
Nissan Titan Pro-4X King Cab 4WD $1,354 $113
Nissan Titan SE Crew Cab 4WD $1,354 $113
Nissan Titan SE King Cab 2WD $1,482 $124
Nissan Titan XE Crew Cab 2WD $1,482 $124
Nissan Titan LE Crew Cab 4WD $1,394 $116
Nissan Titan Pro-4X Crew Cab 4WD $1,394 $116
Nissan Titan SE Crew Cab 2WD $1,520 $127
Nissan Titan LE Crew Cab 2WD $1,596 $133

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 $336 $532 $420 $1,468
2023 Nissan Titan $320 $512 $440 $1,452
2022 Nissan Titan $306 $506 $450 $1,442
2021 Nissan Titan $296 $494 $470 $1,440
2020 Nissan Titan $286 $474 $486 $1,426
2019 Nissan Titan $270 $458 $500 $1,408
2018 Nissan Titan $260 $424 $510 $1,374
2017 Nissan Titan $250 $400 $514 $1,344
2016 Nissan Titan $240 $358 $520 $1,298
2011 Nissan Titan $190 $244 $540 $1,154
2009 Nissan Titan $166 $202 $534 $1,082
2008 Nissan Titan $162 $182 $530 $1,054
2005 Nissan Titan $142 $160 $504 $986
2004 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 Find More Affordable Nissan Titan Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also maintaining good credit, being claim-free, and dropping full coverage on older vehicles. Spend time shopping around every year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The list below is a summary of the coverage data touched on above.

  • It is possible to save up to $170 per year just by shopping early and online
  • Increasing comprehensive and collision deductibles can save around $475 each year
  • Teenagers pay higher rates, possibly costing $451 each month for full coverage
  • Drivers who have multiple accidents or major violations may pay on average $1,630 more every year for car insurance

Rates by Driver Age

Nissan Titan Insurance Rates by Driver Age
Driver Age Premium
16 $5,408
20 $3,240
30 $1,456
40 $1,408
50 $1,288
60 $1,262

Full coverage, $500 deductibles

Rates by Deductible

Nissan Titan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,728
$250 $1,580
$500 $1,408
$1,000 $1,242

Full coverage, driver age 40

Rates by Liability Limit

Nissan Titan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,408
50/100 $1,707
100/300 $1,845
250/500 $2,205
100 CSL $1,762
300 CSL $2,067
500 CSL $2,289

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Titan Insurance Rates for High Risk Drivers
Age Premium
16 $7,680
20 $5,162
30 $3,094
40 $3,040
50 $2,904
60 $2,878

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 $194

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $74
Multi-vehicle $75
Homeowner $22
5-yr Accident Free $98
5-yr Claim Free $90
Paid in Full/EFT $60
Advance Quote $67
Online Quote $98
Total Discounts $584
Rate after discounts $824

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

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