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 insurance costs $446, and liability coverage costs around $570. Liability-only coverage costs as low as $634 a year, and high-risk coverage costs around $3,192. Teen drivers cost the most to insure at up to $5,764 a year.
Average premium for full coverage: $1,476
Policy rates broken down by type of insurance:
Prices include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. 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 range from as cheap as $634 for minimum levels of liability insurance to a much higher rate of $3,192 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Where you live has a large influence on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than larger metro areas. The price range example below illustrates how where you live affects insurance prices.
The examples above highlight why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, 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 Details
The chart below breaks down average Nissan Titan XD insurance rates for other coverage scenarios.
- The lowest rate with discounts is $870
- Using higher $1,000 deductibles will save approximately $160 every year
- The estimated rate for a good driver age 40 who has $500 deductibles is $1,476
- Choosing more expensive low deductibles for physical damage coverage will cost $1,788
- Higher-risk drivers with multiple violations and an at-fault accident could pay up to $3,192
- Policy cost with full coverage for a teenage driver with full coverage can cost as much as $5,764 or more
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 no violations or accidents 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 should be prepared 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 additional every year, depending on your age. High-risk driver insurance 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 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 more each 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.
| 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% |
| 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 Right Nissan Titan XD Insurance
Finding cheaper rates on auto insurance requires having a decent driving record, having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Take the time to comparison shop at every other renewal by obtaining price quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following items are a quick rundown of the concepts that were touched on in the above illustrations.
- Drivers with reckless driving or DUI convictions could be forced to pay on average $1,720 more annually than a driver with a clean driving record
- 16 to 18-year-old drivers are expensive to insure, with premiums being up to $480 each month if they have full coverage
- You may be able to save approximately $170 per year just by shopping early and online
- Increasing comprehensive and collision deductibles could save up to $475 each year
- You may be able to save approximately $170 per year just by shopping early and online
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,788 |
| $250 | $1,644 |
| $500 | $1,476 |
| $1,000 | $1,316 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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