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 a year, collision insurance costs $446, and liability costs around $570. A liability-only policy costs as low as $634 a year, and high-risk insurance costs around $3,192. Teenage 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:

Comprehensive $260
Collision $446
Liability $570

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

Price Range Variability

Using a 40-year-old driver as an example, Nissan Titan XD insurance rates range from as cheap as $634 for liability-only coverage to a high of $3,192 for a high-risk insurance policy.

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

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates how rural and urban location affects insurance prices.

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

The examples above highlight why it is important to compare prices for a targeted area and their own personal driving habits, instead of using 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 average Nissan Titan XD insurance rates for other coverage scenarios.

  • The best discount rate is $870
  • Using higher $1,000 deductibles will save approximately $1,316 every year
  • The estimated rate for a good driver age 40 who has $500 deductibles is $1,476
  • Using low $100 deductibles for physical damage coverage will cost $1,788
  • Drivers who are prone to accidents and violations could pay up to $3,192
  • Policy cost with full coverage for a teen driver can cost as much as $5,764 or more

View Chart as Image

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

Car 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.

Older drivers with no driving violations and high physical damage deductibles may pay as little as $1,400 a year, or $117 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged 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 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $480 every year, while buying higher 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 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Nissan Titan XD insurance prices. A driver around age 40 might see rates 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
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 car insurance requires avoiding accidents and claims, having a good credit score, paying for small claims out-of-pocket, and possibly higher deductibles. Set aside time to shop around at least every other year by obtaining price 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 car insurance concepts raised in the charts and tables above.

  • Higher 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
  • You may be able to save approximately $170 per year just by quoting early and online
  • Increasing comprehensive and collision deductibles could save up to $475 each year
  • Policyholders who want increased liability limits will pay an extra $630 per year to increase from a 30/60 limit to higher 250/500 limits

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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