Nissan Titan Insurance Rates
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UPDATED: Feb 24, 2023
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The average insurance rates for a Nissan Titan are $986 a year for full coverage. Comprehensive insurance costs approximately $142, collision costs $160, and liability coverage costs around $504. Liability-only coverage costs as low as $564 a year, with high-risk coverage costing $2,116 or more. Teenage drivers cost the most to insure at $4,078 a year or more.
Average premium for full coverage: $986
Policy rates by type of insurance:
Estimates include $500 deductibles, 30/60 split liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for different Titan trim levels.
Price Range Variability
For a 40-year-old driver, Nissan Titan insurance rates go from as low as $564 for just the minimum liability insurance to a much higher rate of $2,116 for a high-risk insurance policy.
Urban vs. Rural Price Range
Where you live has a large influence on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than densely populated cities.
The price range example below illustrates how your location can change auto insurance prices.
The examples above show why anyone shopping for car insurance should compare prices using their specific location and risk profile, 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.
Additional Rate Analysis
The chart below shows estimated Nissan Titan insurance rates for additional coverage and risk scenarios.
- The best discount rate is $615
- Using higher $1,000 deductibles will save $68 a year
- The average rate for a good driver age 40 who chooses $500 deductibles is $986
- Using more expensive low deductibles for physical damage coverage will cost an extra $132 each year
- Higher-risk drivers who are prone to accidents and violations could pay around $2,116 or more
- Policy cost for full coverage for a teenage driver with full coverage can cost $4,078 or more
Insurance rates for a Nissan Titan also range considerably based on your risk profile, the trim level of your Titan, and physical damage deductibles and liability limits.
An older driver with no violations or accidents and high deductibles may only pay around $900 a year, or $75 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $4,000 a year. View Rates by Age
Your home state has a huge impact on Nissan Titan insurance rates. A driver around age 40 might see rates as low as $650 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,410 on average in New York, Louisiana, and Michigan.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Using high physical damage deductibles could cut rates by as much as $200 a year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $502 more each year. 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 anywhere from $1,200 to $1,700 additional every year, depending on your age. High-risk driver insurance can be around 42% to 135% more than a normal policy. View High Risk Driver Rates
Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, and rates will be varied from one company to the next.
Insurance Rates by Trim Level and Model Year
|Model and Trim||Annual Premium||Monthly Premium|
|Nissan Titan XE King Cab 4WD||$878||$73|
|Nissan Titan SE King Cab 4WD||$894||$75|
|Nissan Titan XE Crew Cab 4WD||$894||$75|
|Nissan Titan XE King Cab 2WD||$1,048||$87|
|Nissan Titan Pro-4X King Cab 4WD||$916||$76|
|Nissan Titan SE Crew Cab 4WD||$916||$76|
|Nissan Titan SE King Cab 2WD||$1,060||$88|
|Nissan Titan XE Crew Cab 2WD||$1,060||$88|
|Nissan Titan LE Crew Cab 4WD||$932||$78|
|Nissan Titan Pro-4X Crew Cab 4WD||$932||$78|
|Nissan Titan SE Crew Cab 2WD||$1,076||$90|
|Nissan Titan LE Crew Cab 2WD||$1,108||$92|
Rates assume 2004 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2017 Nissan Titan||$260||$424||$510||$1,374|
|2016 Nissan Titan||$250||$400||$514||$1,344|
|2011 Nissan Titan||$194||$268||$534||$1,176|
|2009 Nissan Titan||$176||$222||$534||$1,112|
|2008 Nissan Titan||$166||$202||$534||$1,082|
|2005 Nissan Titan||$156||$168||$510||$1,014|
|2004 Nissan Titan||$142||$160||$504||$986|
Rates are averaged for all Nissan Titan 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 Low Cost Nissan Titan Insurance
Finding cheaper rates on auto insurance requires not taking risks behind the wheel, having a good credit history, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest the time to shop around at least every other year by requesting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.
The following is a review of the car insurance concepts illustrated above.
- Drivers who have several accidents or serious violations may pay on average $1,130 more per year for Titan insurance
- Drivers can save around $110 per year simply by shopping early and online
- Increasing comprehensive and collision deductibles can save around $200 each year
- Consumers who purchase higher liability limits will pay an extra $550 each year to increase from a 30/60 limit to 250/500 limits
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$55|
|5-yr Claim Free||$60|
|Paid in Full/EFT||$32|
Discounts are estimated and may not be available from every company or in every state.