Nissan Titan XD Insurance Rates

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

Average premium for full coverage: $1,476

Policy rates by type of insurance:

Rate estimates include $500 deductible amounts, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Titan XD trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than larger metro areas.

The diagram below illustrates how where you live affects auto insurance prices.

The examples above highlight why it is important to compare prices using their specific location and their own personal driving habits, rather than using price averages.

Use the form below to get customized rates for your location.

Additional Rate Information

The chart below breaks down estimated Nissan Titan XD insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $870
• Using higher $1,000 deductibles will save $1,316 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $1,476
• Choosing low $100 deductibles for physical damage coverage costs an additional $312 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $3,192 or more
• Policy cost with full coverage for a teenage driver can cost $5,764 or more

View Chart as Image

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

Older drivers with a clean driving record and high physical damage deductibles may only pay around $1,400 a year, or $117 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $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 anywhere from $1,700 to $2,500 extra every year, depending on your age. A high-risk auto insurance policy can be around 43% to 128% more than average. View High Risk Driver Rates

Choosing high deductibles could cut rates by as much as $480 a year, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $513 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Nissan Titan XD insurance rates. A driver around age 40 might see rates as low as $1,130 a year in states like Vermont, New Hampshire, and Missouri, or as much as $2,100 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes and see how they stack up. Each insurance company uses a different rate calculation, so the rates will be varied between companies.

How to Buy the Best Nissan Titan XD Insurance

Finding cheaper rates on auto insurance requires having a good driving record, having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to comparison shop every couple of years by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The next list is a brief recap of the material that was touched on in the above illustrations.

• Consumers who purchase increased levels of liability coverage will pay about $630 per year to increase from a 30/60 limit to higher 250/500 limits
• Drivers age 20 and younger are expensive to insure, with premiums being up to $480 each month including comprehensive and collision insurance
• Drivers who tend to receive serious violations may have to pay on average $1,720 more per year to buy Nissan Titan XD insurance
• Increasing comprehensive and collision deductibles could save up to $475 each year