Nissan Titan Insurance Rates

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UPDATED: Apr 11, 2024

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Nissan Titan insurance

U.S. average insurance rates for a Nissan Titan are $1,344 a year including full coverage. Comprehensive insurance costs on average $250 each year, collision costs $400, and liability coverage is $514. Liability-only coverage costs around $572 a year, with high-risk coverage costing $2,900 or more. 16-year-old drivers pay the highest rates at $5,220 a year or more.

Average premium for full coverage: $1,344

Price estimates by individual coverage:

Comprehensive $250
Collision $400
Liability $514

Price estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 U.S. states and Titan models.

Price Range from Low to High

For the normal driver, Nissan Titan insurance prices go from as low as $572 for your basic liability-only policy to a high rate of $2,900 for high-risk insurance.

Liability Only $572
Full Coverage $1,344
High Risk $2,900

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than congested cities.

The graphic below illustrates how geographic area affects car insurance rates.

Rural Areas $1,008
Small Cities $1,411
Large Cities $1,814

The ranges above highlight why all drivers should compare rates quotes based on a specific location 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.

More Rate Information

The chart below breaks down estimated Nissan Titan insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $793
  • Raising to $1,000 deductibles will save around $148 every year
  • The average rate for the average middle-age driver with $500 deductibles is $1,344
  • Buying low deductibles will cost an extra $284 each year
  • Unlucky drivers with multiple tickets or accidents could pay upwards of $2,900 or more
  • The price for full coverage for a teenage driver may cost $5,220

View Chart as Image

Nissan Titan insurance cost comparison chart
Column chart showing full coverage Nissan Titan insurance prices range from $793 to $5,220

Auto insurance prices for a Nissan Titan are also quite variable based on your driving record, the model of your Titan, and policy deductibles and limits.

More mature drivers with a good driving record and high deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay upwards of $5,200 a year. View Rates by Age

The state you live in also has a big influence on Nissan Titan insurance rates. A middle-age driver might find prices as low as $1,030 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,920 on average in Michigan, New York, and Louisiana.

Nissan Titan Insurance Rates by State
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%

View Chart as Image

Nissan Titan insurance rates by U.S. city

Opting for high physical damage deductibles can reduce prices by up to $440 a year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $513 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,600 to $2,200 in extra premium each year, depending on your age. Insurance for high-risk drivers is expensive and can cost around 42% to 133% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the best way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every auto insurance company utilizes a different rate formula, and quoted prices may be quite different from one company to the next.

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 $1,196 $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.

Nissan Titan Insurance Rates by Model Year
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 Cheaper Nissan Titan Insurance

Getting lower rates on auto insurance consists of having a decent driving record, having good credit, being claim-free, and taking advantage of discounts. Invest the time to compare rates every couple of years by requesting rates from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The following items are a condensed summary of the material that was presented in the illustrations above.

  • Consumers who require additional liability coverage will pay around $570 per year to raise from a low limit to 250/500 limits
  • 16 to 18-year-old drivers are charged the highest prices, possibly costing $435 a month if they have full coverage
  • Drivers with multiple at-fault accidents may pay on average $1,560 more each year than a driver with a clean driving record
  • Increasing physical damage deductibles can save around $425 each year

Rates by Driver Age

Nissan Titan Insurance 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

Nissan Titan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,628
$250 $1,496
$500 $1,344
$1,000 $1,196

Full coverage, driver age 40

Rates by Liability Limit

Nissan Titan Insurance Rates with Different Liability Limits
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

Nissan Titan Insurance 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.

SR-22 Surcharge $184

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
Rate after discounts $793

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

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