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Nissan Titan Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 30, 2020

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Nissan Titan insurance

Estimated auto insurance rates for a Nissan Titan are $1,452 annually including full coverage. Comprehensive costs on average $320, collision costs $512, and liability insurance is estimated at $440. A liability-only policy costs approximately $510 a year, with high-risk insurance costing around $3,114. Teenage drivers pay the most at $5,408 a year or more.

Average premium for full coverage: $1,452

Premium estimates by type of coverage:

Comprehensive $320
Collision $512
Liability $440

Rates are based on $500 deductible amounts, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for all Titan models.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Nissan Titan go from as cheap as $510 for the bare minimum liability coverage to the much higher price of $3,114 for a high-risk driver policy.

Liability Only $510
Full Coverage $1,452
High Risk $3,114

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural areas are statistically proven to have fewer comprehensive and collision claims than densely populated cities.

The example below illustrates how where you live affects car insurance rates.

Rural Areas $1,089
Small Cities $1,525
Large Cities $1,960

These rate differences highlight why everyone should get quotes based on a specific location and their own personal driving habits, rather than relying on average rates.

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 Information

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

  • The best discount rate is $850
  • Choosing higher $1,000 deductibles can save around $192 every year
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $1,452
  • Using pricier low deductibles for comp and collision coverage will cost $1,814
  • High-risk insureds who are prone to accidents and violations could pay upwards of $3,114 or more
  • An auto insurance policy with full coverage for a teen driver for full coverage may cost $5,408 each year

View Chart as Image

Nissan Titan insurance cost comparison chart
Column chart showing full coverage Nissan Titan insurance rates range from $850 to $5,408

Auto insurance prices for a Nissan Titan also have a wide range based on the model of your Titan, your driving characteristics, and policy deductibles and limits.

A more mature driver with a good driving record and high physical damage deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will have to pay upwards of $5,400 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at a minimum $1,700 to $2,300 in extra premium annually, depending on your age. Nissan Titan insurance for high-risk drivers ranges anywhere from 43% to 131% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $560 each year, whereas buying more liability protection will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $439 extra every year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Nissan Titan insurance rates. A good driver about age 40 could pay as low as $1,110 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,070 on average in Michigan, New York, and Louisiana.

Nissan Titan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,310 -$142 -9.8%
Alaska $1,114 -$338 -23.3%
Arizona $1,206 -$246 -16.9%
Arkansas $1,452 -$0 0.0%
California $1,652 $200 13.8%
Colorado $1,384 -$68 -4.7%
Connecticut $1,490 $38 2.6%
Delaware $1,642 $190 13.1%
Florida $1,814 $362 24.9%
Georgia $1,340 -$112 -7.7%
Hawaii $1,040 -$412 -28.4%
Idaho $982 -$470 -32.4%
Illinois $1,078 -$374 -25.8%
Indiana $1,096 -$356 -24.5%
Iowa $980 -$472 -32.5%
Kansas $1,378 -$74 -5.1%
Kentucky $1,978 $526 36.2%
Louisiana $2,148 $696 47.9%
Maine $898 -$554 -38.2%
Maryland $1,198 -$254 -17.5%
Massachusetts $1,158 -$294 -20.2%
Michigan $2,520 $1,068 73.6%
Minnesota $1,214 -$238 -16.4%
Mississippi $1,738 $286 19.7%
Missouri $1,288 -$164 -11.3%
Montana $1,560 $108 7.4%
Nebraska $1,144 -$308 -21.2%
Nevada $1,740 $288 19.8%
New Hampshire $1,046 -$406 -28.0%
New Jersey $1,624 $172 11.8%
New Mexico $1,284 -$168 -11.6%
New York $1,528 $76 5.2%
North Carolina $836 -$616 -42.4%
North Dakota $1,188 -$264 -18.2%
Ohio $1,000 -$452 -31.1%
Oklahoma $1,488 $36 2.5%
Oregon $1,328 -$124 -8.5%
Pennsylvania $1,382 -$70 -4.8%
Rhode Island $1,936 $484 33.3%
South Carolina $1,314 -$138 -9.5%
South Dakota $1,226 -$226 -15.6%
Tennessee $1,270 -$182 -12.5%
Texas $1,748 $296 20.4%
Utah $1,072 -$380 -26.2%
Vermont $994 -$458 -31.5%
Virginia $868 -$584 -40.2%
Washington $1,118 -$334 -23.0%
West Virginia $1,330 -$122 -8.4%
Wisconsin $1,004 -$448 -30.9%
Wyoming $1,292 -$160 -11.0%

View Chart as Image

Nissan Titan insurance rates by U.S. city

With such a large range in prices, the best way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, and quoted prices will be substantially different between companies.

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 $1,294 $108
Nissan Titan SE King Cab 4WD $1,336 $111
Nissan Titan XE Crew Cab 4WD $1,336 $111
Nissan Titan XE King Cab 2WD $1,476 $123
Nissan Titan Pro-4X King Cab 4WD $1,410 $118
Nissan Titan SE Crew Cab 4WD $1,410 $118
Nissan Titan SE King Cab 2WD $1,520 $127
Nissan Titan XE Crew Cab 2WD $1,520 $127
Nissan Titan LE Crew Cab 4WD $1,450 $121
Nissan Titan Pro-4X Crew Cab 4WD $1,450 $121
Nissan Titan SE Crew Cab 2WD $1,562 $130
Nissan Titan LE Crew Cab 2WD $1,646 $137

Rates assume 2020 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
2020 Nissan Titan $320 $512 $440 $1,452
2019 Nissan Titan $306 $506 $450 $1,442
2018 Nissan Titan $296 $494 $470 $1,440
2017 Nissan Titan $286 $474 $486 $1,426
2016 Nissan Titan $270 $458 $500 $1,408
2015 Nissan Titan $260 $424 $510 $1,374
2014 Nissan Titan $250 $400 $514 $1,344
2013 Nissan Titan $240 $358 $520 $1,298
2012 Nissan Titan $224 $330 $520 $1,254
2011 Nissan Titan $216 $310 $524 $1,230
2010 Nissan Titan $210 $288 $534 $1,212
2009 Nissan Titan $194 $268 $534 $1,176
2008 Nissan Titan $190 $244 $540 $1,154
2007 Nissan Titan $176 $222 $534 $1,112
2006 Nissan Titan $166 $202 $534 $1,082
2005 Nissan Titan $162 $182 $530 $1,054
2004 Nissan Titan $158 $178 $520 $1,036

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 Buy the Best Cheap Nissan Titan Insurance

Finding better rates on Nissan Titan insurance takes having a good driving record, having above-average credit, refrain from filing small claims, and taking advantage of discounts. Take the time to comparison shop every time your policy renews by obtaining price quotes from direct car insurance companies, and also from several local insurance agents.

The next list is a quick review of the information touched on in the above illustrations.

  • You may be able to save as much as $170 per year simply by quoting online well ahead of the renewal date
  • Drivers age 20 and younger are charged the highest prices, with the cost nearing $451 per month if full coverage is included
  • Increasing policy deductibles could save up to $550 each year
  • High-risk drivers with a DUI or reckless driving violation pay on average $1,660 more each year to buy Nissan Titan insurance
  • Drivers who require increased levels of liability coverage will pay an extra $480 per year to raise limits from 30/60 bodily injury limits to higher 250/500 limits

Rates by Driver Age

Nissan Titan Insurance Rates by Driver Age
Driver Age Premium
16 $5,408
20 $3,316
30 $1,510
40 $1,452
50 $1,324
60 $1,298

Full coverage, $500 deductibles

Rates by Deductible

Nissan Titan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,814
$250 $1,648
$500 $1,452
$1,000 $1,260

Full coverage, driver age 40

Rates by Liability Limit

Nissan Titan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,452
50/100 $1,744
100/300 $1,866
250/500 $2,183
100 CSL $1,792
300 CSL $2,061
500 CSL $2,256

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Titan Insurance Rates for High Risk Drivers
Age Premium
16 $7,698
20 $5,268
30 $3,180
40 $3,114
50 $2,970
60 $2,942

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 $196

Potential Rate Discounts

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

Discount Savings
Multi-policy $76
Multi-vehicle $74
Homeowner $22
5-yr Accident Free $103
5-yr Claim Free $92
Paid in Full/EFT $64
Advance Quote $69
Online Quote $102
Total Discounts $602
Rate after discounts $850

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

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