Nissan Titan Insurance Rates

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2018 Nissan Titan Car Insurance Rates in 2025 – 8 Tips for Cheaper Quotes

Buyers have many options when searching for low-cost Nissan Titan insurance. You can either waste hours driving around to get rate comparisons or utilize the internet to make rate comparisons. There is a right way and a wrong way to buy insurance so we're going to tell you the absolute fastest way to compare rates for a new or used Nissan and obtain the cheapest rates. You should take the time to ...

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

UPDATED: Apr 11, 2024

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Nissan Titan insurance

The average insurance rates for a Nissan Titan are $1,374 a year including full coverage. Comprehensive insurance costs approximately $260, collision costs $424, and liability coverage costs around $510. Liability-only coverage costs as low as $568 a year, with high-risk coverage costing $2,966 or more. Teen drivers cost the most to insure at $5,308 a year or more.

Average premium for full coverage: $1,374

Policy rates by type of insurance:

Comprehensive $260
Collision $424
Liability $510

Prices are based on $500 deductible amounts, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different Titan trim levels.

Price Range Variability

Using a 40-year-old driver as an example, Nissan Titan insurance rates go from as low as $568 for basic liability insurance to a much higher rate of $2,966 for a driver who has had serious violations or accidents.

Liability Only $568
Full Coverage $1,374
High Risk $2,966

Urban vs. Rural Price Range

Where you live has a large influence on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The price range example below illustrates how rural and urban location affects auto insurance prices.

Rural Areas $1,031
Small Cities $1,443
Large Cities $1,855

The examples above highlight why anyone shopping for car insurance should compare prices using their specific location and risk profile, rather than using price 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.

Rate Comparisons

The chart below breaks down estimated Nissan Titan insurance rates for additional coverage and risk scenarios.

  • The lowest rate with discounts is $807
  • Using higher $1,000 deductibles will save $154 every year
  • The average rate for a good driver age 40 who chooses $500 deductibles is $1,374
  • Choosing more expensive low deductibles for physical damage coverage will cost an extra $300 each year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay around $2,966 or more
  • Policy cost for full coverage for a teenage driver with full coverage can cost $5,308 or more

View Chart as Image

Nissan Titan insurance cost comparison chart
Column chart showing full coverage Nissan Titan insurance prices range from $807 to $5,308

Insurance rates for a Nissan Titan also range considerably based on your risk profile, the model of your Titan, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay in the ballpark of $5,300 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 $1,050 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,960 on average in Louisiana, New York, and Michigan.

Nissan Titan Insurance Rates by State
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%

View Chart as Image

Nissan Titan insurance rates by U.S. city

Choosing high deductibles could cut rates by as much as $460 a year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $507 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,600 to $2,300 additional every year, depending on your age. High-risk driver insurance can be around 43% to 130% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates and see how they stack up. Each insurance company uses a different rate calculation, and rates will be varied from one company to the next.

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 $1,222 $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.

Nissan Titan Insurance Rates by Model Year
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 Find Affordable Nissan Titan Insurance

Finding cheaper rates on auto insurance requires having a good driving record, having a good credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to shop around every other policy renewal by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The next list is a brief review of the ideas that were raised in the charts and tables above.

  • Drivers age 20 and younger are the costliest to insure, with premiums being up to $442 each month including comprehensive and collision insurance
  • Drivers with DUI or reckless driving convictions could be forced to pay on average $1,590 more per year to buy Nissan Titan insurance
  • Increasing comprehensive and collision deductibles can save around $450 each year
  • You may be able to save around $160 per year simply by shopping early and online

Rates by Driver Age

Nissan Titan Insurance 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

Nissan Titan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,674
$250 $1,536
$500 $1,374
$1,000 $1,220

Full coverage, driver age 40

Rates by Liability Limit

Nissan Titan Insurance Rates with Different Liability Limits
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

Nissan Titan Insurance 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.

SR-22 Surcharge $189

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
Rate after discounts $807

Discounts are estimated and may not be available from every company or in every state.

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