Nissan Titan Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 11, 2024
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Estimated auto insurance rates for a Nissan Titan are $1,374 annually including full coverage. Comprehensive insurance costs around $260 a year, collision insurance costs $424, and liability coverage is $510. A liability-only policy costs around $568 a year, and high-risk insurance costs $2,966 or more. 16-year-old drivers pay the most at up to $5,308 a year.
Average premium for full coverage: $1,374
Premium estimates for type of coverage:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and Titan trim levels.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Nissan Titan range from as cheap as $568 for your basic liability-only policy to a high of $2,966 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than congested cities. The diagram below illustrates how your location can change auto insurance rates.
These rate differences highlight why it is important to compare rates quotes for a specific zip code and their own personal driving habits, 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 average Nissan Titan insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $807
- Raising to $1,000 deductibles will save about $1,220 every year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $1,374
- Buying low $100 deductibles costs an additional $300 each year
- Unlucky drivers with multiple tickets or accidents could pay at least $2,966
- An auto insurance policy with full coverage for a teenage driver can be $5,308
Auto insurance prices for a Nissan Titan also have a wide range based on the model of your Titan, your driving characteristics, and deductibles and policy limits.
Older drivers with a good driving record and high physical damage 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 without any violations or accidents they will have to pay as much as $5,300 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying at least $1,600 to $2,300 in extra premium annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 43% to 130% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $460 a year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $507 extra every year. View Rates by Deductible or Liability Limit
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 $1,050 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,960 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,240 | -$134 | -9.8% |
| Alaska | $1,054 | -$320 | -23.3% |
| Arizona | $1,142 | -$232 | -16.9% |
| Arkansas | $1,374 | -$0 | 0.0% |
| California | $1,566 | $192 | 14.0% |
| Colorado | $1,310 | -$64 | -4.7% |
| Connecticut | $1,412 | $38 | 2.8% |
| Delaware | $1,554 | $180 | 13.1% |
| Florida | $1,718 | $344 | 25.0% |
| Georgia | $1,268 | -$106 | -7.7% |
| Hawaii | $984 | -$390 | -28.4% |
| Idaho | $932 | -$442 | -32.2% |
| Illinois | $1,022 | -$352 | -25.6% |
| Indiana | $1,036 | -$338 | -24.6% |
| Iowa | $926 | -$448 | -32.6% |
| Kansas | $1,304 | -$70 | -5.1% |
| Kentucky | $1,874 | $500 | 36.4% |
| Louisiana | $2,032 | $658 | 47.9% |
| Maine | $848 | -$526 | -38.3% |
| Maryland | $1,132 | -$242 | -17.6% |
| Massachusetts | $1,098 | -$276 | -20.1% |
| Michigan | $2,386 | $1,012 | 73.7% |
| Minnesota | $1,150 | -$224 | -16.3% |
| Mississippi | $1,646 | $272 | 19.8% |
| Missouri | $1,216 | -$158 | -11.5% |
| Montana | $1,476 | $102 | 7.4% |
| Nebraska | $1,082 | -$292 | -21.3% |
| Nevada | $1,650 | $276 | 20.1% |
| New Hampshire | $992 | -$382 | -27.8% |
| New Jersey | $1,536 | $162 | 11.8% |
| New Mexico | $1,216 | -$158 | -11.5% |
| New York | $1,446 | $72 | 5.2% |
| North Carolina | $792 | -$582 | -42.4% |
| North Dakota | $1,126 | -$248 | -18.0% |
| Ohio | $948 | -$426 | -31.0% |
| Oklahoma | $1,410 | $36 | 2.6% |
| Oregon | $1,258 | -$116 | -8.4% |
| Pennsylvania | $1,308 | -$66 | -4.8% |
| Rhode Island | $1,832 | $458 | 33.3% |
| South Carolina | $1,246 | -$128 | -9.3% |
| South Dakota | $1,160 | -$214 | -15.6% |
| Tennessee | $1,202 | -$172 | -12.5% |
| Texas | $1,656 | $282 | 20.5% |
| Utah | $1,016 | -$358 | -26.1% |
| Vermont | $940 | -$434 | -31.6% |
| Virginia | $822 | -$552 | -40.2% |
| Washington | $1,060 | -$314 | -22.9% |
| West Virginia | $1,260 | -$114 | -8.3% |
| Wisconsin | $950 | -$424 | -30.9% |
| Wyoming | $1,224 | -$150 | -10.9% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Nissan Titan XE King Cab 4WD | $1,222 | $102 |
| Nissan Titan SE King Cab 4WD | $1,260 | $105 |
| Nissan Titan XE Crew Cab 4WD | $1,260 | $105 |
| Nissan Titan XE King Cab 2WD | $1,414 | $118 |
| Nissan Titan Pro-4X King Cab 4WD | $1,320 | $110 |
| Nissan Titan SE Crew Cab 4WD | $1,320 | $110 |
| Nissan Titan SE King Cab 2WD | $1,448 | $121 |
| Nissan Titan XE Crew Cab 2WD | $1,448 | $121 |
| Nissan Titan LE Crew Cab 4WD | $1,354 | $113 |
| Nissan Titan Pro-4X Crew Cab 4WD | $1,354 | $113 |
| Nissan Titan SE Crew Cab 2WD | $1,484 | $124 |
| Nissan Titan LE Crew Cab 2WD | $1,556 | $130 |
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 | $320 | $512 | $440 | $1,452 |
| 2023 Nissan Titan | $306 | $506 | $450 | $1,442 |
| 2022 Nissan Titan | $296 | $494 | $470 | $1,440 |
| 2021 Nissan Titan | $286 | $474 | $486 | $1,426 |
| 2020 Nissan Titan | $270 | $458 | $500 | $1,408 |
| 2019 Nissan Titan | $260 | $424 | $510 | $1,374 |
| 2018 Nissan Titan | $250 | $400 | $514 | $1,344 |
| 2017 Nissan Titan | $240 | $358 | $520 | $1,298 |
| 2016 Nissan Titan | $224 | $330 | $520 | $1,254 |
| 2011 Nissan Titan | $176 | $222 | $534 | $1,112 |
| 2009 Nissan Titan | $162 | $182 | $530 | $1,054 |
| 2008 Nissan Titan | $158 | $178 | $520 | $1,036 |
| 2005 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 Buy More Affordable Nissan Titan Insurance
Finding better rates on auto insurance consists of having a decent driving record, having above-average credit, refrain from filing small claims, and possibly raising deductibles. Invest the time to shop around at every other renewal by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.
The following items are a summary of the concepts that were illustrated above.
- Drivers who have multiple accidents or major violations may pay on average $1,590 more every year than a driver with a clean driving record
- 16 to 18-year-old drivers are expensive to insure, with the cost nearing $442 per month if full coverage is included
- You may be able to save up to $160 per year just by quoting early and online
- Increasing policy deductibles could save up to $450 each year
- You may be able to save up to $160 per year just by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,308 |
| 20 | $3,158 |
| 30 | $1,418 |
| 40 | $1,374 |
| 50 | $1,258 |
| 60 | $1,234 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,674 |
| $250 | $1,536 |
| $500 | $1,374 |
| $1,000 | $1,220 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,374 |
| 50/100 | $1,669 |
| 100/300 | $1,810 |
| 250/500 | $2,176 |
| 100 CSL | $1,725 |
| 300 CSL | $2,035 |
| 500 CSL | $2,261 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,534 |
| 20 | $5,030 |
| 30 | $3,012 |
| 40 | $2,966 |
| 50 | $2,834 |
| 60 | $2,808 |
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 | $72 |
| Multi-vehicle | $73 |
| Homeowner | $22 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $88 |
| Paid in Full/EFT | $57 |
| Advance Quote | $65 |
| Online Quote | $96 |
| Total Discounts | $567 |
Discounts are estimated and may not be available from every company or in every state.
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