Nissan Titan Insurance Rates
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Michelle Robbins
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UPDATED: Apr 11, 2024
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Estimated insurance rates for a Nissan Titan are $1,344 a year with full coverage. Comprehensive costs around $250, collision insurance costs $400, and liability coverage is $514. A liability-only policy costs around $572 a year, and high-risk insurance costs around $2,900. Teen drivers pay the most at up to $5,220 a year.
Average premium for full coverage: $1,344
Premium estimates for type of coverage:
Rates are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all U.S. states and for all Titan models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Nissan Titan range from as low as $572 for just liability coverage to the much higher price of $2,900 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population are statistically proven to have a lower frequency of collision claims than larger metro areas. The example below illustrates how location helps determine auto insurance rates.
These rate differences demonstrate why everyone should compare rates quotes for a specific zip code and risk profile, rather than using price 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.
Detailed Rate Analysis
The chart below details average Nissan Titan insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $793
- Raising to $1,000 deductibles will save about $148 annually
- The average rate for a 40-year-old good driver using $500 deductibles is $1,344
- Choosing pricier low deductibles will increase the cost to $1,628
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,900
- An auto insurance policy for full coverage for a teenage driver for full coverage can be $5,220
Auto insurance prices for a Nissan Titan also have a wide range based on your driving characteristics, the trim level and model year, and deductibles and policy limits.
A more mature driver with a good driving record and high deductibles may only pay around $1,300 every 12 months on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers will have to pay as much as $5,200 a year. View Rates by Age
Where you choose to live also has a big influence on Nissan Titan insurance rates. A middle-age driver might find prices as low as $970 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,810 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,216 | -$128 | -9.5% |
| Alaska | $1,030 | -$314 | -23.4% |
| Arizona | $1,118 | -$226 | -16.8% |
| Arkansas | $1,344 | -$0 | 0.0% |
| California | $1,530 | $186 | 13.8% |
| Colorado | $1,282 | -$62 | -4.6% |
| Connecticut | $1,378 | $34 | 2.5% |
| Delaware | $1,520 | $176 | 13.1% |
| Florida | $1,682 | $338 | 25.1% |
| Georgia | $1,242 | -$102 | -7.6% |
| Hawaii | $966 | -$378 | -28.1% |
| Idaho | $910 | -$434 | -32.3% |
| Illinois | $1,000 | -$344 | -25.6% |
| Indiana | $1,014 | -$330 | -24.6% |
| Iowa | $906 | -$438 | -32.6% |
| Kansas | $1,274 | -$70 | -5.2% |
| Kentucky | $1,832 | $488 | 36.3% |
| Louisiana | $1,990 | $646 | 48.1% |
| Maine | $830 | -$514 | -38.2% |
| Maryland | $1,108 | -$236 | -17.6% |
| Massachusetts | $1,074 | -$270 | -20.1% |
| Michigan | $2,332 | $988 | 73.5% |
| Minnesota | $1,122 | -$222 | -16.5% |
| Mississippi | $1,608 | $264 | 19.6% |
| Missouri | $1,190 | -$154 | -11.5% |
| Montana | $1,444 | $100 | 7.4% |
| Nebraska | $1,058 | -$286 | -21.3% |
| Nevada | $1,614 | $270 | 20.1% |
| New Hampshire | $968 | -$376 | -28.0% |
| New Jersey | $1,502 | $158 | 11.8% |
| New Mexico | $1,188 | -$156 | -11.6% |
| New York | $1,414 | $70 | 5.2% |
| North Carolina | $774 | -$570 | -42.4% |
| North Dakota | $1,102 | -$242 | -18.0% |
| Ohio | $928 | -$416 | -31.0% |
| Oklahoma | $1,378 | $34 | 2.5% |
| Oregon | $1,230 | -$114 | -8.5% |
| Pennsylvania | $1,280 | -$64 | -4.8% |
| Rhode Island | $1,792 | $448 | 33.3% |
| South Carolina | $1,218 | -$126 | -9.4% |
| South Dakota | $1,134 | -$210 | -15.6% |
| Tennessee | $1,174 | -$170 | -12.6% |
| Texas | $1,618 | $274 | 20.4% |
| Utah | $992 | -$352 | -26.2% |
| Vermont | $920 | -$424 | -31.5% |
| Virginia | $804 | -$540 | -40.2% |
| Washington | $1,036 | -$308 | -22.9% |
| West Virginia | $1,230 | -$114 | -8.5% |
| Wisconsin | $928 | -$416 | -31.0% |
| Wyoming | $1,196 | -$148 | -11.0% |
Choosing high deductibles can reduce prices by up to $440 a year, whereas buying more liability protection will increase prices. Moving from a 50/100 limit to a 250/500 limit will cost up to $513 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out at least $1,600 to $2,200 in extra premium annually, depending on your age. Nissan Titan insurance for high-risk drivers is expensive and can cost around 42% to 133% more than average. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Nissan Titan XE King Cab 4WD | $1,196 | $100 |
| Nissan Titan SE King Cab 4WD | $1,230 | $103 |
| Nissan Titan XE Crew Cab 4WD | $1,230 | $103 |
| Nissan Titan XE King Cab 2WD | $1,386 | $116 |
| Nissan Titan Pro-4X King Cab 4WD | $1,288 | $107 |
| Nissan Titan SE Crew Cab 4WD | $1,288 | $107 |
| Nissan Titan SE King Cab 2WD | $1,420 | $118 |
| Nissan Titan XE Crew Cab 2WD | $1,420 | $118 |
| Nissan Titan LE Crew Cab 4WD | $1,320 | $110 |
| Nissan Titan Pro-4X Crew Cab 4WD | $1,320 | $110 |
| Nissan Titan SE Crew Cab 2WD | $1,454 | $121 |
| Nissan Titan LE Crew Cab 2WD | $1,520 | $127 |
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 | $306 | $506 | $450 | $1,442 |
| 2023 Nissan Titan | $296 | $494 | $470 | $1,440 |
| 2022 Nissan Titan | $286 | $474 | $486 | $1,426 |
| 2021 Nissan Titan | $270 | $458 | $500 | $1,408 |
| 2020 Nissan Titan | $260 | $424 | $510 | $1,374 |
| 2019 Nissan Titan | $250 | $400 | $514 | $1,344 |
| 2018 Nissan Titan | $240 | $358 | $520 | $1,298 |
| 2017 Nissan Titan | $224 | $330 | $520 | $1,254 |
| 2016 Nissan Titan | $216 | $310 | $524 | $1,230 |
| 2011 Nissan Titan | $166 | $202 | $534 | $1,082 |
| 2009 Nissan Titan | $158 | $178 | $520 | $1,036 |
| 2008 Nissan Titan | $156 | $168 | $510 | $1,014 |
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 the Best Cheap Nissan Titan Insurance
Finding better rates on auto insurance consists of avoiding accidents and violations, having good credit, being claim-free, and possibly raising deductibles. Invest time comparing rates at every policy renewal by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The list below is a quick review of the data covered in the charts and tables above.
- Consumers who may need higher liability limits will pay about $570 every year to raise from 30/60 bodily injury limits to 250/500 limits
- You may be able to save up to $160 per year just by quoting online well ahead of the renewal date
- Increasing policy deductibles can save around $425 each year
- Teenagers are expensive to insure, possibly costing $435 per month if they have full coverage
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,220 |
| 20 | $3,086 |
| 30 | $1,382 |
| 40 | $1,344 |
| 50 | $1,232 |
| 60 | $1,206 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,628 |
| $250 | $1,496 |
| $500 | $1,344 |
| $1,000 | $1,196 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,344 |
| 50/100 | $1,634 |
| 100/300 | $1,777 |
| 250/500 | $2,147 |
| 100 CSL | $1,691 |
| 300 CSL | $2,005 |
| 500 CSL | $2,233 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,400 |
| 20 | $4,916 |
| 30 | $2,942 |
| 40 | $2,900 |
| 50 | $2,770 |
| 60 | $2,744 |
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 | $70 |
| Multi-vehicle | $72 |
| Homeowner | $22 |
| 5-yr Accident Free | $90 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $55 |
| Advance Quote | $63 |
| Online Quote | $93 |
| Total Discounts | $551 |
Discounts are estimated and may not be available from every company or in every state.
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