Nissan Titan XD Insurance Rates
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UPDATED: Apr 5, 2024
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The average insurance rates for a Nissan Titan XD are $1,476 a year for full coverage. Comprehensive insurance costs on average $260, collision costs $446, and liability coverage is estimated at $570. A liability-only policy costs approximately $634 a year, with high-risk insurance costing $3,192 or more. Teen drivers cost the most to insure at $5,764 a year or more.
Average premium for full coverage: $1,476
Policy rates by type of insurance:
These estimates include $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and for different Titan XD trim levels.
Price Range Variability
For the normal driver, Nissan Titan XD insurance rates go from as low as $634 for the bare minimum liability coverage to a much higher rate of $3,192 for a driver who requires high-risk insurance.
Urban vs. Rural Price Range
Living in a larger city has a large influence on car insurance rates. Rural areas are shown to have a lower frequency of accident claims than larger metro areas.
The price range example below illustrates how geographic area affects car insurance rates.
The examples above show why anyone shopping for car insurance should get quotes based on a specific location and risk profile, rather than using 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.
Additional Rate Information
The chart below shows estimated Nissan Titan XD insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $870
- Choosing higher $1,000 deductibles can save around $160 a year
- The average rate for a good driver age 40 with $500 deductibles is $1,476
- Choosing more expensive low deductibles for comp and collision coverage will cost an extra $312 each year
- Drivers with multiple violations and an at-fault accident could pay upwards of $3,192 or more
- Policy cost for full coverage for a teenage driver with full coverage may cost $5,764 each year
Car insurance rates for a Nissan Titan XD also range considerably based on your risk profile, the trim level of your Titan XD, and policy deductibles and limits.
An older driver with no driving violations and high deductibles may only pay around $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $5,700 a year. View Rates by Age
Your home state plays a big part in determining prices for Nissan Titan XD insurance rates. A good driver about age 40 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 can save as much as $480 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $513 extra every 12 months. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying at a minimum $1,700 to $2,500 extra every year, depending on your age. High-risk driver insurance ranges around 43% to 128% more than average. View High Risk Driver Rates
Because rates have so much variability, the only way to know exactly what you will pay is to compare rates and see how they stack up. Each auto insurer uses a different rate calculation, so rate quotes will be varied from one company to the next.
| 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 Find Cheap Nissan Titan XD Insurance
Finding cheaper rates on auto insurance takes having a good driving record, having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates at every other renewal by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local insurance agents.
The next list is a brief summary of the concepts that were presented in the illustrations above.
- Drivers that tend to have accidents or serious violations will pay on average $1,720 more each year to buy Nissan Titan XD insurance
- Drivers age 20 and younger are expensive to insure, costing up to $480 each month if full coverage is included
- Drivers can save as much as $170 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save around $475 each year
- Drivers can save as much as $170 per year simply by shopping early and online
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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