Nissan Titan Insurance Rates
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UPDATED: Apr 11, 2024
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Average insurance prices for a Nissan Titan are $1,374 every 12 months with full coverage. Comprehensive insurance costs approximately $260, collision costs $424, and liability is estimated at $510. Buying just liability costs approximately $568 a year, with insurance for high-risk drivers costing $2,966 or more. Teens receive the highest rates at $5,308 a year or more.
Average premium for full coverage: $1,374
Rate estimates by individual coverage type:
Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all Titan models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from the cheapest price of $568 for just liability insurance to the much higher price of $2,966 for a driver who requires high-risk insurance.
Price Range by Location
Living in a larger city can make a big difference on the price of insurance. Rural locations tend to have more infrequent collision claims than cities with more traffic congestion.
The example below illustrates the difference between rural and urban areas on auto insurance prices.
These examples demonstrate why everyone should get quotes using their specific location and their own driving history, instead of making a decision based on averaged prices.
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.
More Rate Details
The chart below details estimated Nissan Titan insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $807
- Choosing higher $1,000 deductibles can save $154 annually
- The average price for a 40-year-old driver who chooses $500 deductibles is $1,374
- Selecting pricier low deductibles for comp and collision coverage costs an extra $300 annually
- Higher-risk drivers with serious driving violations could pay around $2,966 or more
- The cost to insure a 16-year-old driver for full coverage can cost $5,308 each year
Auto insurance rates for a Nissan Titan can also vary considerably based on policy deductibles and limits, your driving record, and the model of your Titan.
Choosing higher comprehensive and collision insurance deductibles can save as much as $460 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $507 extra every year. View Rates by Deductible or Liability Limit
A more mature driver with a good driving record and higher deductibles may pay as low as $1,300 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay in the ballpark of $5,300 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,600 to $2,300 in extra premium per year, depending on your age. Nissan Titan insurance for high-risk drivers ranges from 43% to 130% more than the average policy. View High Risk Driver Rates
Where you live plays a big part in determining prices for Nissan Titan insurance prices. A good driver about age 40 could pay as low as $990 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,850 on average in New York, Michigan, and Florida.
| 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% |
With so much variability in rates, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from multiple companies. Each auto insurer calculates rates differently, and quoted rates can be significantly 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 Shop for Cheaper Nissan Titan Insurance
Saving money on insurance for a Nissan Titan takes avoiding accidents and violations, having a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Set aside time to compare rates at every other renewal by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.
The list below is a condensed summary of the concepts that were covered above.
- Drivers considered higher risk with multiple at-fault accidents could be forced to pay on average $1,590 more per year for car insurance
- Teenagers have the highest car insurance rates, with premiums as much as $442 per month if comprehensive and collision insurance is included
- You may be able to save around $160 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles could save as much as $450 each year
- You may be able to save around $160 per year simply by quoting online well ahead of the renewal date
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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