Nissan Titan Insurance Rates

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UPDATED: Apr 11, 2024

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Nissan Titan insurance

The average auto insurance rates for a Nissan Titan are $1,344 annually for full coverage insurance. Comprehensive costs on average $250 each year, collision costs $400, and liability costs around $514. A liability-only policy costs as low as $572 a year, with high-risk insurance costing around $2,900. Teens cost the most to insure at $5,220 a year or more.

Average premium for full coverage: $1,344

Policy rates by type of insurance:

Comprehensive $250
Collision $400
Liability $514

Full coverage includes $500 deductible amounts, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and Titan models.

Price Range Variability

Using a 40-year-old driver as an example, Nissan Titan insurance rates go from as cheap as $572 for a discount liability-only rate to a high rate of $2,900 for a high-risk driver policy.

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

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. Rural areas are shown to have fewer physical damage claims than cities with more traffic congestion.

The graphic below illustrates how rural and urban location affects car insurance rates.

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

The examples above illustrate why all drivers should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on 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.

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Rates by State, City, and Model

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

  • The cheapest rate after discounts is $793
  • Using higher $1,000 deductibles will save around $148 each year
  • The estimated rate for a good driver age 40 with $500 deductibles is $1,344
  • Selecting low deductibles for physical damage coverage will cost $1,628
  • High-risk insureds with serious driving violations could pay upwards of $2,900 or more
  • Policy cost with full coverage for a 16-year-old driver may cost $5,220 or more

View Chart as Image

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

Car insurance rates for a Nissan Titan also range considerably based on the model year and trim level, your risk profile, and policy deductibles and limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged upwards of $5,200 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at a minimum $1,600 to $2,200 extra every year, depending on your age. Insurance for high-risk drivers can be from 42% to 133% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $440 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $513 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Nissan Titan insurance prices. A driver around age 40 might see rates as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,810 on average in Michigan, New York, and Florida.

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

Because rates have so much variability, the only way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company calculates rates differently, so rate quotes will be varied 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 $1,196 $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 Buy More Affordable Nissan Titan Insurance

Finding cheaper rates on insurance for a Nissan Titan requires having a good driving record, having a good credit score, being claim-free, and maximizing policy discounts. Set aside time to shop around every time your policy renews by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.

The next list is a summary of the information raised in the charts and tables above.

  • It is possible to save as much as $160 per year simply by quoting online in advance
  • Drivers age 20 and younger are expensive to insure, possibly costing $435 each month if comprehensive and collision insurance is included
  • Increasing comprehensive and collision deductibles could save up to $425 each year
  • Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,560 more each year to buy Nissan Titan insurance
  • Insureds who require increased levels of liability coverage will pay approximately $570 annually to increase from a 30/60 limit to higher 250/500 limits

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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