Nissan Titan XD Insurance Rates
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UPDATED: Apr 5, 2024
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Estimated auto insurance rates for a Nissan Titan XD are $1,508 annually for full coverage. Comprehensive costs on average $270 each year, collision costs $474, and liability is $564. A policy with only liability insurance costs around $628 a year, with a high-risk policy costing around $3,266. 16-year-old drivers pay the most at $5,864 a year or more.
Average premium for full coverage: $1,508
Premium estimates by type of coverage:
These estimates include $500 deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates include averaging for all states and Titan XD models.
Insurance Price Range by Risk and Coverage
Using a 40-year-old driver as an example, insurance rates for a Nissan Titan XD go from as cheap as $628 for the bare minimum liability coverage to a high rate of $3,266 for a policy for a high-risk driver.
Insurance Price Range by Location
Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are statistically proven to have fewer accident claims than congested cities.
The graphic below illustrates how rural and urban location affects car insurance rates.
These rate differences show why all drivers should compare rates quotes based on a specific location and their own personal driving habits, instead of making a decision based on 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 Information
The chart below shows estimated Nissan Titan XD insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $884
- Raising to $1,000 deductibles will save around $168 a year
- The estimated rate for a 40-year-old good driver with $500 deductibles is $1,508
- Buying low deductibles will cost $1,836
- Drivers with multiple tickets or accidents could pay upwards of $3,266 or more
- An auto insurance policy with full coverage for a 16-year-old driver may cost $5,864
Car insurance prices for a Nissan Titan XD also have a wide range based on the model of your Titan XD, your driver profile, and policy deductibles and limits.
More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,400 every 12 months on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will be charged upwards of $5,800 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,800 to $2,500 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce prices by up to $500 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $507 extra every 12 months. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Nissan Titan XD insurance prices. A middle-age driver might find prices as low as $1,000 a year in states like Idaho, Maine, and Iowa, or at least $2,150 on average in Michigan, Louisiana, and New York.
| 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% |
With such a large range in prices, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Every auto insurance company utilizes a different rate formula, so rate quotes will be substantially different between companies.
| 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 Buy Cheap Nissan Titan XD Insurance
Finding better rates on insurance for a Nissan Titan XD consists of not taking risks behind the wheel, having a good credit score, not filing small claims, and maximizing policy discounts. Set aside time to shop around every year by getting quotes from direct carriers, and also from local insurance agents.
The following is a brief summary of the coverage data raised in the charts and tables above.
- Drivers can save as much as $180 per year simply by quoting online in advance
- Increasing policy deductibles could save up to $500 each year
- Teens are expensive to insure, as much as $489 per month if comprehensive and collision insurance is included
- Drivers considered higher risk that tend to have accidents or serious violations may be required to pay an average of $1,760 more each year for Titan XD insurance
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,836 |
| $250 | $1,684 |
| $500 | $1,508 |
| $1,000 | $1,340 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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