Nissan Titan XD Insurance Rates
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Michelle Robbins
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UPDATED: Apr 5, 2024
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Average insurance rates for a Nissan Titan XD are $1,422 a year including full coverage. Comprehensive costs around $248 a year, collision insurance costs $400, and liability coverage costs around $574. Buying just liability costs as low as $638 a year, and insurance for high-risk drivers costs around $3,074. Teens receive the highest rates at up to $5,596 a year.
Average premium for full coverage: $1,422
Rate estimates for individual coverage type:
Estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Titan XD trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range range from as low as $638 for just liability coverage to a high of $3,074 for a driver who requires high-risk insurance.
Price Range by Location
Where you live has a large influence on the price of insurance. Areas with sparse population tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The diagram below illustrates how rural and urban location affects auto insurance rates.
These examples highlight why it is important to compare prices for a specific zip code and risk profile, rather than using 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.
Detailed Rate Analysis
The chart below breaks down average Nissan Titan XD insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $844
- Using higher $1,000 deductibles will save about $1,276 every year
- The average rate for a 40-year-old driver using $500 deductibles is $1,422
- Selecting low $100 deductibles for physical damage coverage will increase the cost to $1,706
- Higher-risk drivers with serious driving violations could pay at least $3,074
- The cost for full coverage for a teenage driver can be $5,596 or more
Auto insurance rates for a Nissan Titan XD can also vary considerably based on your driver profile, the model of your Titan XD, and deductibles and policy limits.
Older drivers with a good driving record and high deductibles may only pay around $1,300 a year for full coverage. Rates are much higher for teen drivers, where even good drivers will have to pay as much as $5,500 a year. View Rates by Age
Where you live has a huge impact on Nissan Titan XD insurance rates. A driver around age 40 might see rates as low as $1,090 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $2,030 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,286 | -$136 | -9.6% |
| Alaska | $1,090 | -$332 | -23.3% |
| Arizona | $1,180 | -$242 | -17.0% |
| Arkansas | $1,422 | -$0 | 0.0% |
| California | $1,622 | $200 | 14.1% |
| Colorado | $1,358 | -$64 | -4.5% |
| Connecticut | $1,462 | $40 | 2.8% |
| Delaware | $1,612 | $190 | 13.4% |
| Florida | $1,778 | $356 | 25.0% |
| Georgia | $1,314 | -$108 | -7.6% |
| Hawaii | $1,020 | -$402 | -28.3% |
| Idaho | $966 | -$456 | -32.1% |
| Illinois | $1,060 | -$362 | -25.5% |
| Indiana | $1,074 | -$348 | -24.5% |
| Iowa | $962 | -$460 | -32.3% |
| Kansas | $1,350 | -$72 | -5.1% |
| Kentucky | $1,940 | $518 | 36.4% |
| Louisiana | $2,108 | $686 | 48.2% |
| Maine | $880 | -$542 | -38.1% |
| Maryland | $1,174 | -$248 | -17.4% |
| Massachusetts | $1,136 | -$286 | -20.1% |
| Michigan | $2,470 | $1,048 | 73.7% |
| Minnesota | $1,192 | -$230 | -16.2% |
| Mississippi | $1,704 | $282 | 19.8% |
| Missouri | $1,262 | -$160 | -11.3% |
| Montana | $1,530 | $108 | 7.6% |
| Nebraska | $1,120 | -$302 | -21.2% |
| Nevada | $1,706 | $284 | 20.0% |
| New Hampshire | $1,024 | -$398 | -28.0% |
| New Jersey | $1,590 | $168 | 11.8% |
| New Mexico | $1,260 | -$162 | -11.4% |
| New York | $1,498 | $76 | 5.3% |
| North Carolina | $818 | -$604 | -42.5% |
| North Dakota | $1,166 | -$256 | -18.0% |
| Ohio | $982 | -$440 | -30.9% |
| Oklahoma | $1,462 | $40 | 2.8% |
| Oregon | $1,304 | -$118 | -8.3% |
| Pennsylvania | $1,358 | -$64 | -4.5% |
| Rhode Island | $1,898 | $476 | 33.5% |
| South Carolina | $1,288 | -$134 | -9.4% |
| South Dakota | $1,202 | -$220 | -15.5% |
| Tennessee | $1,246 | -$176 | -12.4% |
| Texas | $1,714 | $292 | 20.5% |
| Utah | $1,054 | -$368 | -25.9% |
| Vermont | $972 | -$450 | -31.6% |
| Virginia | $852 | -$570 | -40.1% |
| Washington | $1,100 | -$322 | -22.6% |
| West Virginia | $1,306 | -$116 | -8.2% |
| Wisconsin | $986 | -$436 | -30.7% |
| Wyoming | $1,268 | -$154 | -10.8% |
Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $430 a year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will cost as much as $516 extra every year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are likely paying at least $1,700 to $2,400 in extra premium per year, depending on your age. A high-risk auto insurance policy can be around 43% to 133% more than the average policy. View High Risk Driver Rates
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Nissan Titan XD | $320 | $566 | $498 | $1,584 |
| 2023 Nissan Titan XD | $308 | $552 | $520 | $1,580 |
| 2022 Nissan Titan XD | $298 | $530 | $536 | $1,564 |
| 2021 Nissan Titan XD | $282 | $512 | $554 | $1,548 |
| 2020 Nissan Titan XD | $270 | $474 | $564 | $1,508 |
| 2019 Nissan Titan XD | $260 | $446 | $570 | $1,476 |
| 2018 Nissan Titan XD | $248 | $400 | $574 | $1,422 |
| 2017 Nissan Titan XD | $232 | $368 | $574 | $1,374 |
Rates are averaged for all Nissan Titan XD 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 Low Cost Nissan Titan XD Insurance
Saving money on auto insurance requires being a low-risk driver, having good credit, not filing small claims, and possibly raising deductibles. Set aside time to shop around at every other renewal by requesting rates from direct car insurance companies like GEICO and Progressive, and also from several local insurance agents.
The items below are a review of the concepts that were raised in the charts and tables above.
- Drivers who have several accidents or serious violations pay on average $1,650 more every year to insure their Titan XD
- Teen drivers are expensive to insure, as much as $466 per month if they have full coverage
- You may be able to save up to $160 per year just by quoting early and online
- Increasing deductibles can save around $425 each year
- You may be able to save up to $160 per year just by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,596 |
| 20 | $3,274 |
| 30 | $1,460 |
| 40 | $1,422 |
| 50 | $1,304 |
| 60 | $1,276 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,706 |
| $250 | $1,576 |
| $500 | $1,422 |
| $1,000 | $1,276 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,422 |
| 50/100 | $1,537 |
| 100/300 | $1,680 |
| 250/500 | $2,053 |
| 100 CSL | $1,594 |
| 300 CSL | $1,910 |
| 500 CSL | $2,140 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,926 |
| 20 | $5,220 |
| 30 | $3,116 |
| 40 | $3,074 |
| 50 | $2,940 |
| 60 | $2,910 |
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 | $73 |
| Multi-vehicle | $76 |
| Homeowner | $24 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $57 |
| Advance Quote | $66 |
| Online Quote | $98 |
| Total Discounts | $578 |
Discounts are estimated and may not be available from every company or in every state.
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