Nissan Titan XD Insurance Rates

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UPDATED: Apr 5, 2024

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The average auto insurance rates for a Nissan Titan XD are $1,476 annually including full coverage. Comprehensive costs an estimated $260, collision costs $446, and liability insurance is estimated at $570. Liability-only insurance costs approximately $634 a year, with high-risk driver insurance costing around $3,192. Teenage drivers cost the most to insure at $5,764 a year or more.

Average premium for full coverage: $1,476

Policy rates broken down by type of insurance:

Comprehensive $260
Collision $446
Liability $570

Includes $500 policy deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for different Titan XD trim levels.

Price Range Variability

Using a middle-aged driver as an example, Nissan Titan XD insurance rates go from as cheap as $634 for liability-only coverage to a much higher rate of $3,192 for a policy for a high-risk driver.

Liability Only $634
Full Coverage $1,476
High Risk $3,192

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates how where you live affects insurance prices.

Rural Areas $1,107
Small Cities $1,550
Large Cities $1,993

The examples above highlight why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, rather than relying on 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.

Additional Charts and Tables

The chart below breaks down estimated Nissan Titan XD insurance rates for other coverage scenarios.

  • The best discount rate is $870
  • Choosing higher $1,000 deductibles can save approximately $160 every year
  • The estimated rate for a good driver age 40 who has $500 deductibles is $1,476
  • Using more expensive low deductibles for comp and collision coverage will cost $1,788
  • High-risk insureds who are prone to accidents and violations could pay up to $3,192 or more
  • Policy cost with full coverage for a teen driver with full coverage can cost as much as $5,764 each year

View Chart as Image

Nissan Titan XD insurance cost comparison chart
Column chart showing full coverage Nissan Titan XD insurance rates range from $870 to $5,764

Auto insurance rates for a Nissan Titan XD also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay at least $5,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,700 to $2,500 in extra premium every year, depending on your age. High-risk driver insurance ranges anywhere from 43% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $480 each year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $513 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Nissan Titan XD insurance rates. A good driver about age 40 could pay as low as $1,130 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $2,100 on average in Louisiana, New York, and Michigan.

Nissan Titan XD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,332 -$144 -9.8%
Alaska $1,130 -$346 -23.4%
Arizona $1,222 -$254 -17.2%
Arkansas $1,476 -$0 0.0%
California $1,682 $206 14.0%
Colorado $1,408 -$68 -4.6%
Connecticut $1,514 $38 2.6%
Delaware $1,670 $194 13.1%
Florida $1,842 $366 24.8%
Georgia $1,360 -$116 -7.9%
Hawaii $1,056 -$420 -28.5%
Idaho $1,000 -$476 -32.2%
Illinois $1,098 -$378 -25.6%
Indiana $1,112 -$364 -24.7%
Iowa $998 -$478 -32.4%
Kansas $1,398 -$78 -5.3%
Kentucky $2,010 $534 36.2%
Louisiana $2,184 $708 48.0%
Maine $912 -$564 -38.2%
Maryland $1,216 -$260 -17.6%
Massachusetts $1,178 -$298 -20.2%
Michigan $2,562 $1,086 73.6%
Minnesota $1,234 -$242 -16.4%
Mississippi $1,766 $290 19.6%
Missouri $1,308 -$168 -11.4%
Montana $1,586 $110 7.5%
Nebraska $1,160 -$316 -21.4%
Nevada $1,768 $292 19.8%
New Hampshire $1,062 -$414 -28.0%
New Jersey $1,648 $172 11.7%
New Mexico $1,306 -$170 -11.5%
New York $1,552 $76 5.1%
North Carolina $850 -$626 -42.4%
North Dakota $1,208 -$268 -18.2%
Ohio $1,018 -$458 -31.0%
Oklahoma $1,512 $36 2.4%
Oregon $1,352 -$124 -8.4%
Pennsylvania $1,408 -$68 -4.6%
Rhode Island $1,968 $492 33.3%
South Carolina $1,336 -$140 -9.5%
South Dakota $1,244 -$232 -15.7%
Tennessee $1,290 -$186 -12.6%
Texas $1,776 $300 20.3%
Utah $1,092 -$384 -26.0%
Vermont $1,010 -$466 -31.6%
Virginia $884 -$592 -40.1%
Washington $1,138 -$338 -22.9%
West Virginia $1,352 -$124 -8.4%
Wisconsin $1,022 -$454 -30.8%
Wyoming $1,316 -$160 -10.8%

View Chart as Image

Nissan Titan XD insurance rates by U.S. city

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, and quoted rates will be varied between companies.

Nissan Titan XD Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Nissan Titan XD $332 $570 $488 $1,590
2023 Nissan Titan XD $320 $566 $498 $1,584
2022 Nissan Titan XD $308 $552 $520 $1,580
2021 Nissan Titan XD $298 $530 $536 $1,564
2020 Nissan Titan XD $282 $512 $554 $1,548
2019 Nissan Titan XD $270 $474 $564 $1,508
2018 Nissan Titan XD $260 $446 $570 $1,476
2017 Nissan Titan XD $248 $400 $574 $1,422

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 Buy the Cheapest Nissan Titan XD Insurance

Finding cheaper rates on Nissan Titan XD insurance takes avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to comparison shop every year by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The points below are a recap of the coverage data touched on in the above illustrations.

  • You may be able to save approximately $170 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles could save up to $475 each year
  • Drivers under the age of 20 are the costliest to insure, with premiums being up to $480 each month if full coverage is included
  • High-risk drivers that have major violations or accidents could be forced to pay on average $1,720 more annually to insure a Nissan Titan XD

Rates by Driver Age

Nissan Titan XD Insurance Rates by Driver Age
Driver Age Premium
16 $5,764
20 $3,406
30 $1,516
40 $1,476
50 $1,348
60 $1,324

Full coverage, $500 deductibles

Rates by Deductible

Nissan Titan XD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,788
$250 $1,644
$500 $1,476
$1,000 $1,316

Full coverage, driver age 40

Rates by Liability Limit

Nissan Titan XD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,476
50/100 $1,590
100/300 $1,733
250/500 $2,103
100 CSL $1,647
300 CSL $1,961
500 CSL $2,189

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Titan XD Insurance Rates for High Risk Drivers
Age Premium
16 $8,176
20 $5,426
30 $3,238
40 $3,192
50 $3,054
60 $3,024

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 $204

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $77
Multi-vehicle $79
Homeowner $24
5-yr Accident Free $100
5-yr Claim Free $94
Paid in Full/EFT $61
Advance Quote $69
Online Quote $102
Total Discounts $606
Rate after discounts $870

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

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