Nissan Titan Insurance Rates

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UPDATED: Apr 11, 2024

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Nissan Titan insurance

The average insurance rates for a Nissan Titan are $1,374 a year for full coverage. Comprehensive insurance costs around $260 each year, collision insurance costs $424, and liability is estimated at $510. Buying just liability costs approximately $568 a year, and insurance for high-risk drivers costs $2,966 or more. Teenage drivers cost the most to insure at up to $5,308 a year.

Average premium for full coverage: $1,374

Policy rates for type of insurance:

Comprehensive $260
Collision $424
Liability $510

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all states and Titan models.

Price Range Variability

Using a 40-year-old driver as an example, Nissan Titan insurance rates range from as low as $568 for a discount liability-only rate to a high rate of $2,966 for a high-risk driver policy.

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

Urban vs. Rural Price Range

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than densely populated cities. The graphic below illustrates how rural and urban location affects auto insurance rates.

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

The examples above show why all drivers should get quotes for a specific zip code and risk profile, instead of using average rates.

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.

Rates by State, City, and Model

The chart below shows average Nissan Titan insurance rates for additional coverage choices and driver risks.

  • The best discount rate is $807
  • Choosing higher $1,000 deductibles can save about $154 a year
  • The average rate for a good driver age 40 using $500 deductibles is $1,374
  • Using low deductibles for comp and collision coverage will cost an extra $300 every year
  • Unlucky drivers who are prone to accidents and violations could pay at least $2,966
  • Policy cost for full coverage for a teen driver can be $5,308 each year

View Chart as Image

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

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

More mature drivers with a clean driving record and high deductibles may pay as little as $1,300 annually on average, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay as much as $5,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Nissan Titan insurance prices. A good driver about age 40 could pay as low as $910 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,960 on average in Michigan, Louisiana, and New York.

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

Using high physical damage deductibles can save as much as $460 every year, whereas increasing liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $507 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 least $1,600 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers ranges as much as 43% to 130% more than a normal policy. View High Risk Driver Rates

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 car insurance takes being a good driver, maintaining good credit, avoid buying unnecessary coverage, and dropping full coverage on older vehicles. Set aside time to shop around every time your policy renews by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The following list is a brief review of the information raised in the charts and tables above.

  • Drivers can save up to $160 per year just by quoting online in advance
  • Drivers age 16 to 20 pay higher rates, costing up to $442 each month for full coverage
  • Increasing comprehensive and collision deductibles can save around $450 each year
  • Higher risk drivers with DUI or reckless driving convictions may be required to pay an average of $1,590 more every year than a safer driver
  • Policyholders who may need an increased level of liability coverage will pay an extra $560 each year to raise limits from a 30/60 limit to 250/500 limits

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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