Nissan Titan XD Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Apr 5, 2024

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U.S. average insurance prices for a Nissan Titan XD are $1,508 every 12 months for full coverage. Comprehensive insurance costs an estimated $270, collision costs $474, and liability coverage is $564. Liability-only coverage costs around $628 a year, with high-risk coverage costing $3,266 or more. Teenage drivers pay the highest rates at $5,864 a year or more.

Average premium for full coverage: $1,508

Price estimates broken down by individual coverage:

Comprehensive $270
Collision $474
Liability $564

Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Estimates are averaged for all states and for different Titan XD trim levels.

Price Range from Low to High

For the average driver, Nissan Titan XD insurance prices go from the cheapest price of $628 for just liability insurance to a much higher rate of $3,266 for a driver that may need high-risk insurance.

Liability Only $628
Full Coverage $1,508
High Risk $3,266

Geographic Price Range

Choosing to live in a large city has a large influence on insurance rates. More rural locations have more infrequent accident claims than densely populated cities.

The price range example below illustrates how location impacts insurance prices.

Rural Areas $1,131
Small Cities $1,583
Large Cities $2,036

The ranges above show why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, rather than 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.

More Rate Details

The chart below shows estimated Nissan Titan XD insurance rates for other coverage scenarios.

  • The best discount rate is $884
  • Raising to $1,000 deductibles will save approximately $168 a year
  • The average price for the average middle-age driver who has $500 deductibles is $1,508
  • Using more expensive low deductibles costs an extra $328 each year
  • Unlucky drivers who are prone to accidents and violations could pay up to $3,266 or more
  • The price to insure a teenage driver with full coverage can cost as much as $5,864

View Chart as Image

Nissan Titan XD insurance cost comparison chart
Column chart showing full coverage Nissan Titan XD insurance prices range from $884 to $5,864

Auto insurance prices for a Nissan Titan XD are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.

Using high physical damage deductibles can reduce prices by up to $500 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $507 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may only pay around $1,400 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay at least $5,800 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $1,800 to $2,500 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 133% more than a normal policy. View High Risk Driver Rates

The state you live in also has a big influence on Nissan Titan XD insurance rates. A middle-age driver might find prices as low as $1,000 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $2,150 on average in New York, Louisiana, and Michigan.

Nissan Titan XD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,362 -$146 -9.7%
Alaska $1,156 -$352 -23.3%
Arizona $1,250 -$258 -17.1%
Arkansas $1,508 -$0 0.0%
California $1,716 $208 13.8%
Colorado $1,438 -$70 -4.6%
Connecticut $1,550 $42 2.8%
Delaware $1,706 $198 13.1%
Florida $1,882 $374 24.8%
Georgia $1,390 -$118 -7.8%
Hawaii $1,080 -$428 -28.4%
Idaho $1,024 -$484 -32.1%
Illinois $1,124 -$384 -25.5%
Indiana $1,138 -$370 -24.5%
Iowa $1,018 -$490 -32.5%
Kansas $1,430 -$78 -5.2%
Kentucky $2,056 $548 36.3%
Louisiana $2,232 $724 48.0%
Maine $930 -$578 -38.3%
Maryland $1,246 -$262 -17.4%
Massachusetts $1,204 -$304 -20.2%
Michigan $2,618 $1,110 73.6%
Minnesota $1,262 -$246 -16.3%
Mississippi $1,806 $298 19.8%
Missouri $1,338 -$170 -11.3%
Montana $1,620 $112 7.4%
Nebraska $1,188 -$320 -21.2%
Nevada $1,806 $298 19.8%
New Hampshire $1,084 -$424 -28.1%
New Jersey $1,684 $176 11.7%
New Mexico $1,336 -$172 -11.4%
New York $1,586 $78 5.2%
North Carolina $866 -$642 -42.6%
North Dakota $1,236 -$272 -18.0%
Ohio $1,042 -$466 -30.9%
Oklahoma $1,546 $38 2.5%
Oregon $1,380 -$128 -8.5%
Pennsylvania $1,438 -$70 -4.6%
Rhode Island $2,010 $502 33.3%
South Carolina $1,366 -$142 -9.4%
South Dakota $1,272 -$236 -15.6%
Tennessee $1,320 -$188 -12.5%
Texas $1,818 $310 20.6%
Utah $1,116 -$392 -26.0%
Vermont $1,030 -$478 -31.7%
Virginia $902 -$606 -40.2%
Washington $1,164 -$344 -22.8%
West Virginia $1,382 -$126 -8.4%
Wisconsin $1,044 -$464 -30.8%
Wyoming $1,342 -$166 -11.0%

View Chart as Image

Nissan Titan XD insurance rates by U.S. city

Since prices can be so different, the only way to know which car insurance is cheapest is to compare prices and see how they stack up. Every auto insurance company uses a different method to calculate prices, and quoted prices may be quite different.

Nissan Titan XD Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Nissan Titan XD $348 $594 $466 $1,608
2023 Nissan Titan XD $332 $570 $488 $1,590
2022 Nissan Titan XD $320 $566 $498 $1,584
2021 Nissan Titan XD $308 $552 $520 $1,580
2020 Nissan Titan XD $298 $530 $536 $1,564
2019 Nissan Titan XD $282 $512 $554 $1,548
2018 Nissan Titan XD $270 $474 $564 $1,508
2017 Nissan Titan XD $260 $446 $570 $1,476

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 Shop for the Best Cheap Nissan Titan XD Insurance

Getting lower rates on auto insurance consists of having a decent driving record, having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Spend time shopping around once a year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a quick review of the data that was touched on above.

  • Drivers can save approximately $180 per year simply by shopping early and online
  • Consumers who want additional liability coverage will pay an extra $620 each year to raise from a low limit to a 250/500 level
  • 16 to 18-year-old drivers are the costliest to insure, with premiums as much as $489 a month if comprehensive and collision insurance is included
  • Drivers with a DUI or reckless driving violation pay on average $1,760 more annually than a driver with a clean driving record

Rates by Driver Age

Nissan Titan XD Insurance Rates by Driver Age
Driver Age Premium
16 $5,864
20 $3,482
30 $1,554
40 $1,508
50 $1,380
60 $1,352

Full coverage, $500 deductibles

Rates by Deductible

Nissan Titan XD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,836
$250 $1,684
$500 $1,508
$1,000 $1,340

Full coverage, driver age 40

Rates by Liability Limit

Nissan Titan XD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,508
50/100 $1,621
100/300 $1,762
250/500 $2,128
100 CSL $1,677
300 CSL $1,987
500 CSL $2,213

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Titan XD Insurance Rates for High Risk Drivers
Age Premium
16 $8,324
20 $5,550
30 $3,318
40 $3,266
50 $3,122
60 $3,088

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 $209

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $78
Multi-vehicle $81
Homeowner $24
5-yr Accident Free $104
5-yr Claim Free $97
Paid in Full/EFT $63
Advance Quote $72
Online Quote $105
Total Discounts $624
Rate after discounts $884

Discounts are estimated and may not be available from every company or in every state.

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