Nissan Titan Insurance Rates

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

Average premium for full coverage: $1,344

Policy rates by type of insurance:

Price estimates include $500 physical damage insurance deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all states and for different Titan trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have lower incidents of accident claims than cities with more traffic congestion. The price range example below illustrates how where you live affects car insurance rates.

The examples above show why anyone shopping for car insurance should compare prices based on a specific location, rather than using averaged prices.

Use the form below to get customized rates for your location.

Detailed Rate Analysis

The chart below shows average 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 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,344
• Selecting more expensive low deductibles for physical damage coverage will cost an additional $284 each year
• Higher-risk drivers with serious driving violations could pay upwards of $2,900
• Policy cost that insures a teenage driver with full coverage may cost $5,220 or more

View Chart as Image

Car insurance rates for a Nissan Titan also range considerably based on the model year and trim level, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,600 to $2,200 extra every year, depending on your age. High-risk driver insurance can be around 42% to 133% more than the average policy. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $5,200 a year. View Rates by Age

Your home state has a huge impact on Nissan Titan insurance rates. A driver around age 40 might see rates as low as $890 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,920 on average in Michigan, Louisiana, and New York.

View Chart as Image

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

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheaper Nissan Titan Insurance

Finding cheaper rates on auto insurance requires being a low-risk driver, having a positive credit history, avoid buying unnecessary coverage, and possibly raising deductibles. Compare rates at least once a year by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.

The items below are a condensed summary of the primary concepts that were touched on in the above illustrations.

• Drivers can save as much as $160 per year just by shopping early and online
• Drivers with multiple at-fault accidents may pay on average $1,560 more each year to insure their Titan
• Increasing comprehensive and collision deductibles can save approximately $425 each year
• Teen drivers are expensive to insure, costing up to $435 each month if full coverage is purchased