Nissan Titan XD Insurance Rates
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Michelle Robbins
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UPDATED: Apr 5, 2024
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U.S. average insurance rates for a Nissan Titan XD are $1,422 a year including full coverage. Comprehensive costs an estimated $248 each year, collision costs $400, and liability coverage costs $574. A policy with just liability insurance costs as little as $638 a year, with coverage for high-risk drivers costing around $3,074. 16-year-old drivers pay the highest rates at $5,596 a year or more.
Average premium for full coverage: $1,422
Price estimates broken down by individual coverage:
These estimates include $500 deductible amounts, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Titan XD models.
Price Range from Low to High
For a driver in their 40's, Nissan Titan XD insurance prices go from the low end price of $638 for just the minimum liability insurance to a high rate of $3,074 for a policy for a high-risk driver.
Geographic Price Range
Your location has a large influence on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than congested cities.
The graphic below illustrates how location helps determine insurance prices.
The ranges above highlight why all drivers should compare rates for a targeted area, rather than using rate 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 Analysis
The chart below breaks down estimated Nissan Titan XD insurance rates for other coverage scenarios.
- The best full coverage rate is $844
- Drivers who choose higher $1,000 deductibles will pay approximately $146 every year
- The estimated price for the average middle-age driver who has $500 deductibles is $1,422
- Buying low deductibles for comprehensive and collision insurance bumps up the cost to $1,706
- High-risk insureds with multiple tickets or accidents could pay up to $3,074 or more
- The price that insures a teenage driver can cost as much as $5,596 a year
Insurance prices for a Nissan Titan XD are also quite variable based on the trim level and model year, your driving record and age, and liability limits and deductibles.
If you have some driving violations or you caused an accident, you are likely paying $1,700 to $2,400 extra each year, depending on your age. Insurance for high-risk drivers can cost around 43% to 133% more than the average rate. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $1,300 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay at least $5,500 a year. View Rates by Age
The state you live in makes a big difference in Nissan Titan XD insurance rates. A 40-year-old driver could pay as low as $1,090 a year in states like Vermont, New Hampshire, and Missouri, or at least $2,030 on average in Louisiana, New York, and Michigan.
| 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% |
Opting for high physical damage deductibles could save up to $430 a year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $516 more per year. View Rates by Deductible or Liability Limit
Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison and see how they stack up. Every company utilizes a different rate formula, so the prices may be quite different.
| 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 Cheap Nissan Titan XD Insurance
Getting lower rates on auto insurance not only requires having a good driving record, but also having above-average credit, being claim-free, and taking advantage of discounts. Comparison shop every year by requesting rates from direct car insurance companies, and also from your local car insurance providers.
The next list is a brief summary of the coverage data covered in the charts and tables above.
- You may be able to save approximately $160 per year simply by quoting online in advance
- Increasing physical damage deductibles can save approximately $425 each year
- Drivers age 20 and younger are charged the highest prices, possibly costing $466 a month if full coverage is included
- Drivers that tend to have accidents or serious violations could be charged and average of $1,650 more annually to buy Nissan Titan XD insurance
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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