Nissan Titan Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Apr 11, 2024
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The average insurance rates for a Nissan Titan are $1,374 a year for full coverage insurance. Comprehensive insurance costs on average $260, collision insurance costs $424, and liability insurance costs $510. Liability-only coverage costs as little as $568 a year, and high-risk coverage costs $2,966 or more. Teens cost the most to insure at up to $5,308 a year.
Average premium for full coverage: $1,374
Policy rates by type of insurance:
Rate estimates include $500 physical damage deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 states and for all Titan models.
Price Range Variability
For a 40-year-old driver, Nissan Titan insurance rates range from the low end price of $568 for just liability insurance to the much higher price of $2,966 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Your location has a significant impact on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than cities with more traffic congestion. The example below illustrates how your location can change car insurance rates.
The examples above illustrate why everyone should compare rates based on a specific location, rather than relying on averaged prices.
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 illustrates average Nissan Titan insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $807
- Drivers who choose higher $1,000 deductibles will pay around $154 each year
- The estimated price for a good driver age 40 with $500 deductibles is $1,374
- Selecting pricier low deductibles for comprehensive and collision insurance will cost an additional $300 a year
- High risk drivers with serious driving violations could pay upwards of $2,966
- Policy cost that insures a teen driver for full coverage may cost $5,308 a year
Insurance rates for a Nissan Titan also range considerably based on the model of your Titan, your age and driving record, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,600 to $2,300 additional every year, depending on your age. Nissan Titan insurance for high-risk drivers can cost anywhere from 43% to 130% more than the average policy. View High Risk Driver Rates
A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $5,300 a year. View Rates by Age
Your home state makes a big difference in Nissan Titan insurance rates. A 40-year-old driver could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,850 on average in Michigan, New York, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles could save up to $460 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $507 more each year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| 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.
| 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 the Best Nissan Titan Insurance
Finding cheaper rates on Nissan Titan insurance not only requires being a safe and courteous driver, but also having a good credit score, being claim-free, and dropping full coverage on older vehicles. Compare rates at every policy renewal by getting quotes from direct insurance companies, and also from your local independent and exclusive agents.
Below is a brief recap of the data illustrated above.
- Drivers who require higher levels of liability will pay approximately $560 annually to go from a 30/60 limit to the 250/500 level
- It is possible to save as much as $160 per year just by quoting online well ahead of the renewal date
- Increasing comprehensive and collision deductibles can save approximately $450 each year
- Teenage drivers pay higher rates, possibly costing $442 each month if comprehensive and collision insurance is included
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $1,674 |
| $250 | $1,536 |
| $500 | $1,374 |
| $1,000 | $1,220 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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