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 each year, collision costs $400, and liability coverage costs around $514. Buying just liability costs as low as $572 a year, with insurance for high-risk drivers costing $2,900 or more. Teenage drivers 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:

These estimates include $500 deductible amounts, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and Titan models.

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 a lower frequency of accident claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on car insurance rates.

The examples above show why all drivers should compare prices based on a specific location and risk profile, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $793
• Using higher $1,000 deductibles will save around $148 a year
• The average rate for a good driver age 40 with $500 deductibles is $1,344
• Using low deductibles for physical damage coverage will cost an extra $284 each year
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $2,900 or more
• Policy cost for full coverage for a teenage driver may cost $5,220 or more

View Chart as Image

Insurance rates for a Nissan Titan also range considerably based on your risk profile, the trim level of your Titan, and policy deductibles and limits.

More mature drivers with a clean driving record and high deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay 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 be forced to pay as much as $1,920 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $440 a year, whereas increasing liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $513 more per year. View Rates by Deductible or Liability Limit

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

Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate rates, so the rates will be varied from one company to the next.

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 Cheap Nissan Titan Insurance

Finding cheaper rates on auto insurance requires having a good driving record, maintaining good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Set aside time to compare rates at least every other year by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.

The next list is a brief summary of the car insurance concepts covered above.

• Drivers that tend to have accidents or serious violations will pay on average $1,560 more each year to buy Nissan Titan insurance
• Drivers can save as much as $160 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $425 each year
• Consumers who require increased levels of liability coverage will pay an extra $570 each year to increase from a 30/60 limit to 250/500 limits