Nissan Titan XD Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Apr 5, 2024
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Estimated insurance rates for a Nissan Titan XD are $1,476 a year for full coverage. Comprehensive insurance costs on average $260, collision insurance costs $446, and liability costs $570. A policy with only liability insurance costs as little as $634 a year, and a high-risk policy costs $3,192 or more. Teen drivers pay the most at up to $5,764 a year.
Average premium for full coverage: $1,476
Premium estimates by type of coverage:
Includes $500 deductible amounts, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and for different Titan XD trim levels.
Insurance Price Range by Risk and Coverage
For the normal driver, insurance rates for a Nissan Titan XD range from the low end price of $634 for a discount liability-only rate to a much higher rate of $3,192 for a high-risk driver policy.
Insurance Price Range by Location
Your location can make a big difference on car insurance rates. Rural areas are statistically proven to have lower incidents of accident claims than larger metro areas. The price range example below illustrates how geographic area affects car insurance rates.
These rate differences show why anyone shopping for car insurance should compare rates based on a specific location, instead of making a decision based on 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.
Rates by State, City, and Model
The chart below shows average Nissan Titan XD insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $870
- Drivers who choose higher $1,000 deductibles will pay around $160 a year
- The estimated price for a 40-year-old good driver with $500 deductibles is $1,476
- Choosing more expensive low deductibles for comprehensive and collision insurance will cost an additional $312 annually
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,192
- An auto insurance policy that insures a 16-year-old driver with full coverage may cost $5,764 a year
Car insurance prices for a Nissan Titan XD also have a wide range based on the model year and trim level, how you drive, and policy deductibles and limits.
If you have a few violations or you caused an accident, you could be paying at a minimum $1,700 to $2,500 extra annually, depending on your age. High-risk driver insurance can cost from 43% to 128% more than average. View High Risk Driver Rates
An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged upwards of $5,700 a year. View Rates by Age
Where you choose to live makes a big difference in Nissan Titan XD insurance prices. A 40-year-old driver could pay as low as $970 a year in states like Idaho, Maine, and Iowa, or as much as $2,100 on average in Michigan, Louisiana, and New York.
| 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% |
Choosing high deductibles could save up to $480 annually, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $513 extra every 12 months. View Rates by Deductible or Liability Limit
| 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 Find the Cheapest Nissan Titan XD Insurance
Finding better rates on insurance for a Nissan Titan XD not only requires having a good driving record, but also having a positive credit history, not filing small claims, and possibly raising deductibles. Shop around every time your policy renews by obtaining price quotes from direct carriers, and also from local exclusive and independent agents.
The next list is a recap of the information presented in the illustrations above.
- Drivers can save as much as $170 per year just by shopping early and online
- Drivers age 20 and younger are expensive to insure, as much as $480 per month if full coverage is purchased
- Increasing policy deductibles can save approximately $475 each year
- Drivers considered higher risk that have major violations or accidents may pay on average $1,720 more each year to buy Nissan Titan XD insurance
- Insureds who require increased levels of liability coverage will pay about $630 each year to go from 30/60 bodily injury limits to the 250/500 level
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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