Nissan Titan Insurance Rates
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UPDATED: Apr 11, 2024
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The average insurance rates for a Nissan Titan are $1,408 a year with full coverage. Comprehensive insurance costs on average $270 each year, collision insurance costs $458, and liability insurance costs around $500. Buying just liability costs as low as $560 a year, and insurance for high-risk drivers costs $3,040 or more. 16-year-old drivers cost the most to insure at up to $5,408 a year.
Average premium for full coverage: $1,408
Policy rates by type of insurance:
These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Titan models.
Price Range Variability
For the average driver, Nissan Titan insurance rates range from as low as $560 for just the minimum liability insurance to a high rate of $3,040 for a high-risk driver policy.
Urban vs. Rural Price Range
Where you live has a significant impact on auto insurance rates. Rural areas are shown to have a lower frequency of collision claims than congested cities. The graphic below illustrates how location impacts car insurance rates.
The examples above demonstrate why all drivers should compare prices based on a specific location and risk profile, rather than relying on 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.
Additional Rate Analysis
The chart below details average Nissan Titan insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $824
- Using higher $1,000 deductibles will save around $166 annually
- The average rate for a good driver age 40 with $500 deductibles is $1,408
- Buying low deductibles for physical damage coverage will cost an extra $320 a year
- Drivers with multiple tickets or accidents could pay upwards of $3,040
- Policy cost for full coverage for a teen driver may cost $5,408 or more
Insurance rates for a Nissan Titan also range considerably based on your risk profile, the trim level and model year, and policy deductibles and limits.
More mature drivers with a clean driving record and high deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay upwards of $5,400 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 $1,010 a year in states like New Hampshire, Ohio, and Utah, or at least $1,900 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,272 | -$136 | -9.7% |
| Alaska | $1,080 | -$328 | -23.3% |
| Arizona | $1,168 | -$240 | -17.0% |
| Arkansas | $1,408 | -$0 | 0.0% |
| California | $1,604 | $196 | 13.9% |
| Colorado | $1,342 | -$66 | -4.7% |
| Connecticut | $1,446 | $38 | 2.7% |
| Delaware | $1,594 | $186 | 13.2% |
| Florida | $1,760 | $352 | 25.0% |
| Georgia | $1,300 | -$108 | -7.7% |
| Hawaii | $1,008 | -$400 | -28.4% |
| Idaho | $954 | -$454 | -32.2% |
| Illinois | $1,046 | -$362 | -25.7% |
| Indiana | $1,060 | -$348 | -24.7% |
| Iowa | $948 | -$460 | -32.7% |
| Kansas | $1,334 | -$74 | -5.3% |
| Kentucky | $1,918 | $510 | 36.2% |
| Louisiana | $2,084 | $676 | 48.0% |
| Maine | $868 | -$540 | -38.4% |
| Maryland | $1,162 | -$246 | -17.5% |
| Massachusetts | $1,124 | -$284 | -20.2% |
| Michigan | $2,442 | $1,034 | 73.4% |
| Minnesota | $1,176 | -$232 | -16.5% |
| Mississippi | $1,686 | $278 | 19.7% |
| Missouri | $1,248 | -$160 | -11.4% |
| Montana | $1,512 | $104 | 7.4% |
| Nebraska | $1,108 | -$300 | -21.3% |
| Nevada | $1,688 | $280 | 19.9% |
| New Hampshire | $1,014 | -$394 | -28.0% |
| New Jersey | $1,574 | $166 | 11.8% |
| New Mexico | $1,246 | -$162 | -11.5% |
| New York | $1,482 | $74 | 5.3% |
| North Carolina | $812 | -$596 | -42.3% |
| North Dakota | $1,154 | -$254 | -18.0% |
| Ohio | $970 | -$438 | -31.1% |
| Oklahoma | $1,444 | $36 | 2.6% |
| Oregon | $1,290 | -$118 | -8.4% |
| Pennsylvania | $1,340 | -$68 | -4.8% |
| Rhode Island | $1,876 | $468 | 33.2% |
| South Carolina | $1,274 | -$134 | -9.5% |
| South Dakota | $1,188 | -$220 | -15.6% |
| Tennessee | $1,230 | -$178 | -12.6% |
| Texas | $1,696 | $288 | 20.5% |
| Utah | $1,040 | -$368 | -26.1% |
| Vermont | $962 | -$446 | -31.7% |
| Virginia | $842 | -$566 | -40.2% |
| Washington | $1,086 | -$322 | -22.9% |
| West Virginia | $1,290 | -$118 | -8.4% |
| Wisconsin | $974 | -$434 | -30.8% |
| Wyoming | $1,254 | -$154 | -10.9% |
Opting for high physical damage deductibles could cut rates by as much as $490 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $498 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 may be forking out at a minimum $1,700 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 135% more than the average rate. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Nissan Titan XE King Cab 4WD | $1,252 | $104 |
| Nissan Titan SE King Cab 4WD | $1,290 | $108 |
| Nissan Titan XE Crew Cab 4WD | $1,290 | $108 |
| Nissan Titan XE King Cab 2WD | $1,444 | $120 |
| Nissan Titan Pro-4X King Cab 4WD | $1,354 | $113 |
| Nissan Titan SE Crew Cab 4WD | $1,354 | $113 |
| Nissan Titan SE King Cab 2WD | $1,482 | $124 |
| Nissan Titan XE Crew Cab 2WD | $1,482 | $124 |
| Nissan Titan LE Crew Cab 4WD | $1,394 | $116 |
| Nissan Titan Pro-4X Crew Cab 4WD | $1,394 | $116 |
| Nissan Titan SE Crew Cab 2WD | $1,520 | $127 |
| Nissan Titan LE Crew Cab 2WD | $1,596 | $133 |
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 | $336 | $532 | $420 | $1,468 |
| 2023 Nissan Titan | $320 | $512 | $440 | $1,452 |
| 2022 Nissan Titan | $306 | $506 | $450 | $1,442 |
| 2021 Nissan Titan | $296 | $494 | $470 | $1,440 |
| 2020 Nissan Titan | $286 | $474 | $486 | $1,426 |
| 2019 Nissan Titan | $270 | $458 | $500 | $1,408 |
| 2018 Nissan Titan | $260 | $424 | $510 | $1,374 |
| 2017 Nissan Titan | $250 | $400 | $514 | $1,344 |
| 2016 Nissan Titan | $240 | $358 | $520 | $1,298 |
| 2011 Nissan Titan | $190 | $244 | $540 | $1,154 |
| 2009 Nissan Titan | $166 | $202 | $534 | $1,082 |
| 2008 Nissan Titan | $162 | $182 | $530 | $1,054 |
| 2005 Nissan Titan | $142 | $160 | $504 | $986 |
| 2004 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 Find Cheap Nissan Titan Insurance
Finding cheaper rates on Nissan Titan insurance requires being a low-risk driver, maintaining good credit, not filing small claims, and determing if full coverage is necessary. Spend time shopping around every time your policy renews by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from local insurance agents.
The items below are a brief summary of the information touched on above.
- You may be able to save as much as $170 per year just by quoting online in advance
- Teen drivers pay the highest rates, as much as $451 each month for full coverage
- Increasing comprehensive and collision deductibles can save around $475 each year
- High-risk drivers that tend to have accidents or serious violations may be required to pay an average of $1,630 more each year to insure their Titan
- Drivers who require more liability coverage will pay around $550 every year to increase from a 30/60 limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,408 |
| 20 | $3,240 |
| 30 | $1,456 |
| 40 | $1,408 |
| 50 | $1,288 |
| 60 | $1,262 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,728 |
| $250 | $1,580 |
| $500 | $1,408 |
| $1,000 | $1,242 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,408 |
| 50/100 | $1,707 |
| 100/300 | $1,845 |
| 250/500 | $2,205 |
| 100 CSL | $1,762 |
| 300 CSL | $2,067 |
| 500 CSL | $2,289 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,680 |
| 20 | $5,162 |
| 30 | $3,094 |
| 40 | $3,040 |
| 50 | $2,904 |
| 60 | $2,878 |
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 | $74 |
| Multi-vehicle | $75 |
| Homeowner | $22 |
| 5-yr Accident Free | $98 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $60 |
| Advance Quote | $67 |
| Online Quote | $98 |
| Total Discounts | $584 |
Discounts are estimated and may not be available from every company or in every state.
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