Nissan Titan Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 11, 2024
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U.S. average insurance rates for a Nissan Titan are $1,374 a year with full coverage. Comprehensive costs around $260, collision costs $424, and liability coverage is $510. Buying just liability costs around $568 a year, with insurance for high-risk drivers costing around $2,966. Teen drivers pay the highest rates at $5,308 a year or more.
Average premium for full coverage: $1,374
Price estimates for individual coverage:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all U.S. states and for all Titan models.
Price Range from Low to High
For the average 40-year-old driver, Nissan Titan insurance prices go from the low end price of $568 for just the minimum liability insurance to the much higher price of $2,966 for a high-risk insurance policy.
Geographic Price Range
Choosing to live in a large city has a large influence on insurance rates. Areas with sparse population have lower incidents of collision claims than larger metro areas.
The example below illustrates the difference location can make on auto insurance rates.
The ranges above demonstrate why everyone should compare rates quotes for a specific zip code, 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.
Additional Rate Analysis
The chart below details estimated Nissan Titan insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $807
- Raising to $1,000 deductibles will save about $154 annually
- The estimated price for the average middle-age driver using $500 deductibles is $1,374
- Choosing pricier low deductibles bumps up the cost to $1,674
- Unlucky drivers with multiple violations and an at-fault accident could pay at least $2,966 or more
- The price that insures a teenage driver for full coverage can be $5,308
Insurance prices for a Nissan Titan are also quite variable based on the model of your Titan, your age and driving habits, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you may be forking out at least $1,600 to $2,300 additional each year, depending on your age. Nissan Titan insurance for high-risk drivers is expensive and can cost around 43% to 130% more than average. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $5,300 a year. View Rates by Age
The state you live in also has a big influence on Nissan Titan insurance rates. A middle-age driver might find prices as low as $990 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,850 on average in Florida, Michigan, and New York.
| 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% |
Choosing high deductibles can reduce prices by up to $460 a year, whereas buying more liability protection will increase prices. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $507 more each year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to find out your exact price is to regularly compare prices and see how they stack up. Every auto insurance company uses a different rate calculation, and prices may be quite different.
Insurance Rates by Trim Level and Model Year
| 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.
| 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 More Affordable Nissan Titan Insurance
Getting lower rates on auto insurance consists of having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Shop around at least every other year by obtaining price quotes from direct companies, and also from your local independent and exclusive agents.
The following items are a summary of the car insurance concepts touched on in this article.
- Drivers who have multiple accidents or major violations may pay on average $1,590 more every year than a driver with a clean driving record
- You may be able to save up to $160 per year simply by quoting online well ahead of the renewal date
- Increasing physical damage deductibles can save approximately $450 each year
- Consumers who may need additional liability coverage will pay about $560 every year to raise from a low limit to the 250/500 level
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,674 |
| $250 | $1,536 |
| $500 | $1,374 |
| $1,000 | $1,220 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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