Nissan Titan Insurance Rates
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Michelle Robbins
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UPDATED: Apr 11, 2024
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U.S. average insurance rates for a Nissan Titan are $1,344 a year for full coverage insurance. Comprehensive insurance costs approximately $250 each year, collision insurance costs $400, and liability coverage costs around $514. Buying just liability costs as low as $572 a year, and insurance for high-risk drivers costs $2,900 or more. Teens pay the highest rates at up to $5,220 a year.
Average premium for full coverage: $1,344
Price estimates by individual coverage:
Full coverage includes $500 deductible amounts, liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and Titan models.
Price Range from Low to High
Using a 40-year-old driver as an example, Nissan Titan insurance prices range from the low end price of $572 for a discount liability-only rate to a high rate of $2,900 for a driver that may need high-risk insurance.
Geographic Price Range
Where you live has a large influence on the price of auto insurance. Rural locations have lower incidents of physical damage claims than cities with more traffic congestion. The graphic below illustrates how rural and urban location affects auto insurance prices.
The ranges above illustrate why all drivers should compare prices using their specific location, rather than using averaged prices.
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.
Rates by State, City, and Model
The chart below illustrates average Nissan Titan insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $793
- Using higher $1,000 deductibles will save $148 each year
- The estimated price for the average middle-age driver who chooses $500 deductibles is $1,344
- Selecting low deductibles for physical damage coverage will cost an additional $284 each year
- Higher-risk drivers with serious driving violations could pay around $2,900
- The price that insures a teenage driver can cost $5,220 or more
Insurance prices for a Nissan Titan are also quite variable based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.
If you have some driving violations or you caused an accident, you are probably paying anywhere from $1,600 to $2,200 additional each year, depending on your age. Insurance for high-risk drivers can be around 42% to 133% more than the average policy. View High Risk Driver Rates
More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $5,200 a year. View Rates by Age
The state you live in has a huge impact on Nissan Titan insurance rates. A driver around age 40 might see prices as low as $880 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,810 on average in Florida, New York, and Michigan.
| 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 higher comprehensive and collision insurance deductibles could cut prices by as much as $440 a year, whereas increasing liability limits will push prices upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $513 more each year. View Rates by Deductible or Liability Limit
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 More Affordable Nissan Titan Insurance
Getting lower rates on auto insurance requires having a good driving record, having a good credit score, not filing small claims, and consideration of higher deductibles. Compare rates once a year by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.
The next list is a summary of the data that was raised in the charts and tables above.
- It is possible to save around $160 per year just by quoting online in advance
- Consumers who purchase increased levels of liability coverage will pay approximately $570 annually to increase from a low limit to the 250/500 level
- Drivers age 20 and younger are the costliest to insure, as much as $435 a month if comprehensive and collision insurance is included
- Drivers who have multiple accidents or major violations could be charged and average of $1,560 more per year to buy Nissan Titan insurance
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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