Nissan Titan Insurance Rates

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UPDATED: Jun 4, 2023

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Nissan Titan insurance

U.S. average insurance rates for a Nissan Titan are $1,374 a year for full coverage insurance. Comprehensive insurance costs on average $260 a year, collision costs $424, and liability is $510. Liability-only coverage costs around $568 a year, with high-risk coverage costing $2,966 or more. 16-year-old drivers pay the highest rates at $5,308 a year or more.

Average premium for full coverage: $1,374

Price estimates by individual coverage:

Comprehensive $260
Collision $424
Liability $510

These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and Titan trim levels.

Price Range from Low to High

For the average 40-year-old driver, Nissan Titan insurance prices go from the low end price of $568 for a discount liability-only rate to a high of $2,966 for a high-risk driver policy.

Liability Only $568
Full Coverage $1,374
High Risk $2,966

Geographic Price Range

Choosing to live in a large city can make a big difference on insurance rates. Rural areas have lower incidents of physical damage claims than congested cities.

The diagram below illustrates the difference location can make on car insurance rates.

Rural Areas $1,031
Small Cities $1,443
Large Cities $1,855

The ranges above illustrate why it is important to compare rates quotes based on a specific location, 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.

Rates by State, City, and Model

The chart below illustrates estimated Nissan Titan insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $807
  • Raising to $1,000 deductibles will save around $1,220 each year
  • The estimated price for the average middle-age driver with $500 deductibles is $1,374
  • Buying low $100 deductibles will cost an additional $300 annually
  • Drivers with multiple tickets or accidents could pay upwards of $2,966 or more
  • The price that insures a 16-year-old driver may cost $5,308

View Chart as Image

Nissan Titan insurance cost comparison chart
Column chart showing full coverage Nissan Titan insurance prices range from $807 to $5,308

Auto insurance prices for a Nissan Titan are also quite variable based on the trim level of your Titan, your age and driving record, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,600 to $2,300 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 43% to 130% more than the average rate. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay upwards of $5,300 a year. View Rates by Age

The state you live in also has a big influence on Nissan Titan insurance prices. A middle-age driver might find prices as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,850 on average in Michigan, New York, and Florida.

Nissan Titan Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,240 -$134 -9.8%
Alaska $1,054 -$320 -23.3%
Arizona $1,142 -$232 -16.9%
Arkansas $1,374 -$0 0.0%
California $1,566 $192 14.0%
Colorado $1,310 -$64 -4.7%
Connecticut $1,412 $38 2.8%
Delaware $1,554 $180 13.1%
Florida $1,718 $344 25.0%
Georgia $1,268 -$106 -7.7%
Hawaii $984 -$390 -28.4%
Idaho $932 -$442 -32.2%
Illinois $1,022 -$352 -25.6%
Indiana $1,036 -$338 -24.6%
Iowa $926 -$448 -32.6%
Kansas $1,304 -$70 -5.1%
Kentucky $1,874 $500 36.4%
Louisiana $2,032 $658 47.9%
Maine $848 -$526 -38.3%
Maryland $1,132 -$242 -17.6%
Massachusetts $1,098 -$276 -20.1%
Michigan $2,386 $1,012 73.7%
Minnesota $1,150 -$224 -16.3%
Mississippi $1,646 $272 19.8%
Missouri $1,216 -$158 -11.5%
Montana $1,476 $102 7.4%
Nebraska $1,082 -$292 -21.3%
Nevada $1,650 $276 20.1%
New Hampshire $992 -$382 -27.8%
New Jersey $1,536 $162 11.8%
New Mexico $1,216 -$158 -11.5%
New York $1,446 $72 5.2%
North Carolina $792 -$582 -42.4%
North Dakota $1,126 -$248 -18.0%
Ohio $948 -$426 -31.0%
Oklahoma $1,410 $36 2.6%
Oregon $1,258 -$116 -8.4%
Pennsylvania $1,308 -$66 -4.8%
Rhode Island $1,832 $458 33.3%
South Carolina $1,246 -$128 -9.3%
South Dakota $1,160 -$214 -15.6%
Tennessee $1,202 -$172 -12.5%
Texas $1,656 $282 20.5%
Utah $1,016 -$358 -26.1%
Vermont $940 -$434 -31.6%
Virginia $822 -$552 -40.2%
Washington $1,060 -$314 -22.9%
West Virginia $1,260 -$114 -8.3%
Wisconsin $950 -$424 -30.9%
Wyoming $1,224 -$150 -10.9%

View Chart as Image

Nissan Titan insurance rates by U.S. city

Opting for high physical damage deductibles can reduce prices by up to $460 annually, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $507 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out exactly what you will pay is to get quotes from multiple companies. Every auto insurance company utilizes a different rate formula, and quoted prices may be quite different.

Insurance Rates by Trim Level and Model Year

Nissan Titan Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Nissan Titan XE King Cab 4WD $1,222 $102
Nissan Titan SE King Cab 4WD $1,260 $105
Nissan Titan XE Crew Cab 4WD $1,260 $105
Nissan Titan XE King Cab 2WD $1,414 $118
Nissan Titan Pro-4X King Cab 4WD $1,320 $110
Nissan Titan SE Crew Cab 4WD $1,320 $110
Nissan Titan SE King Cab 2WD $1,448 $121
Nissan Titan XE Crew Cab 2WD $1,448 $121
Nissan Titan LE Crew Cab 4WD $1,354 $113
Nissan Titan Pro-4X Crew Cab 4WD $1,354 $113
Nissan Titan SE Crew Cab 2WD $1,484 $124
Nissan Titan LE Crew Cab 2WD $1,556 $130

Rates assume 2019 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.

Nissan Titan Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Nissan Titan $320 $512 $440 $1,452
2023 Nissan Titan $306 $506 $450 $1,442
2022 Nissan Titan $296 $494 $470 $1,440
2021 Nissan Titan $286 $474 $486 $1,426
2020 Nissan Titan $270 $458 $500 $1,408
2019 Nissan Titan $260 $424 $510 $1,374
2018 Nissan Titan $250 $400 $514 $1,344
2017 Nissan Titan $240 $358 $520 $1,298
2016 Nissan Titan $224 $330 $520 $1,254
2011 Nissan Titan $176 $222 $534 $1,112
2009 Nissan Titan $162 $182 $530 $1,054
2008 Nissan Titan $158 $178 $520 $1,036
2005 Nissan Titan $138 $152 $500 $970

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 Cheap Nissan Titan Insurance

Getting lower rates on insurance for a Nissan Titan consists of being a low-risk driver, maintaining a good credit score, not filing small claims, and taking advantage of discounts. Comparison shop every time your policy renews by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

The items below are a brief summary of the information touched on in this article.

  • It is possible to save as much as $160 per year simply by quoting early and online
  • Teen drivers are charged the highest prices, as much as $442 a month if the policy includes full coverage
  • Increasing physical damage deductibles can save approximately $450 each year
  • Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,590 more each year to insure their Titan
  • Insureds who require more liability coverage will pay around $560 annually to raise from a low limit to the 250/500 level

Rates by Driver Age

Nissan Titan Insurance Rates by Driver Age
Driver Age Premium
16 $5,308
20 $3,158
30 $1,418
40 $1,374
50 $1,258
60 $1,234

Full coverage, $500 deductibles

Rates by Deductible

Nissan Titan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,674
$250 $1,536
$500 $1,374
$1,000 $1,220

Full coverage, driver age 40

Rates by Liability Limit

Nissan Titan Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,374
50/100 $1,669
100/300 $1,810
250/500 $2,176
100 CSL $1,725
300 CSL $2,035
500 CSL $2,261

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Titan Insurance Rates for High Risk Drivers
Age Premium
16 $7,534
20 $5,030
30 $3,012
40 $2,966
50 $2,834
60 $2,808

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 $189

Potential Rate Discounts

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

Discount Savings
Multi-policy $72
Multi-vehicle $73
Homeowner $22
5-yr Accident Free $94
5-yr Claim Free $88
Paid in Full/EFT $57
Advance Quote $65
Online Quote $96
Total Discounts $567
Rate after discounts $807

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

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