Nissan Titan Insurance Rates
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UPDATED: Apr 11, 2024
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U.S. average insurance prices for a Nissan Titan are $1,408 every 12 months for full coverage. Comprehensive costs approximately $270 each year, collision costs $458, and liability insurance costs around $500. Liability-only coverage costs as low as $560 a year, with high-risk coverage costing around $3,040. 16-year-old drivers pay the highest rates at $5,408 a year or more.
Average premium for full coverage: $1,408
Price estimates by individual coverage:
Includes $500 deductible amounts, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all states and Titan models.
Price Range from Low to High
For the average 40-year-old driver, Nissan Titan insurance prices go from the cheapest price of $560 for just liability coverage to a high rate of $3,040 for a policy for a high-risk driver.
Geographic Price Range
Where you live has a significant impact on car insurance rates. Rural locations have more infrequent accident claims than congested cities.
The graphic below illustrates the difference location can make on auto insurance prices.
The ranges above show why all drivers should compare prices using their specific location and their own driving history, rather than relying 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.
Detailed Rate Analysis
The chart below shows estimated Nissan Titan insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $824
- Using higher $1,000 deductibles will save $166 a year
- The average price for the average middle-age driver who chooses $500 deductibles is $1,408
- Buying low deductibles for physical damage coverage increases the price to $1,728
- Drivers with multiple tickets or accidents could pay around $3,040 or more
- The price to insure a teen driver can cost $5,408 or more
Auto insurance prices for a Nissan Titan are also quite variable based on deductibles and policy limits, your driver profile, and the model of your Titan.
Opting for high physical damage deductibles could cut prices by as much as $490 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $498 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles could pay as little as $1,300 a year for full coverage. Prices are highest for teenage drivers, since even excellent drivers will have to pay in the ballpark of $5,400 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,700 to $2,300 in extra premium each year, depending on your age. Insurance for high-risk drivers can be anywhere from 43% to 135% more than the average rate. View High Risk Driver Rates
The state you live in has a huge impact on Nissan Titan insurance rates. A driver around age 40 might see prices as low as $930 a year in states like Iowa, Maine, and Idaho, or at least $2,010 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,272 | -$136 | -9.7% |
| Alaska | $1,080 | -$328 | -23.3% |
| Arizona | $1,168 | -$240 | -17.0% |
| Arkansas | $1,408 | -$0 | 0.0% |
| California | $1,604 | $196 | 13.9% |
| Colorado | $1,342 | -$66 | -4.7% |
| Connecticut | $1,446 | $38 | 2.7% |
| Delaware | $1,594 | $186 | 13.2% |
| Florida | $1,760 | $352 | 25.0% |
| Georgia | $1,300 | -$108 | -7.7% |
| Hawaii | $1,008 | -$400 | -28.4% |
| Idaho | $954 | -$454 | -32.2% |
| Illinois | $1,046 | -$362 | -25.7% |
| Indiana | $1,060 | -$348 | -24.7% |
| Iowa | $948 | -$460 | -32.7% |
| Kansas | $1,334 | -$74 | -5.3% |
| Kentucky | $1,918 | $510 | 36.2% |
| Louisiana | $2,084 | $676 | 48.0% |
| Maine | $868 | -$540 | -38.4% |
| Maryland | $1,162 | -$246 | -17.5% |
| Massachusetts | $1,124 | -$284 | -20.2% |
| Michigan | $2,442 | $1,034 | 73.4% |
| Minnesota | $1,176 | -$232 | -16.5% |
| Mississippi | $1,686 | $278 | 19.7% |
| Missouri | $1,248 | -$160 | -11.4% |
| Montana | $1,512 | $104 | 7.4% |
| Nebraska | $1,108 | -$300 | -21.3% |
| Nevada | $1,688 | $280 | 19.9% |
| New Hampshire | $1,014 | -$394 | -28.0% |
| New Jersey | $1,574 | $166 | 11.8% |
| New Mexico | $1,246 | -$162 | -11.5% |
| New York | $1,482 | $74 | 5.3% |
| North Carolina | $812 | -$596 | -42.3% |
| North Dakota | $1,154 | -$254 | -18.0% |
| Ohio | $970 | -$438 | -31.1% |
| Oklahoma | $1,444 | $36 | 2.6% |
| Oregon | $1,290 | -$118 | -8.4% |
| Pennsylvania | $1,340 | -$68 | -4.8% |
| Rhode Island | $1,876 | $468 | 33.2% |
| South Carolina | $1,274 | -$134 | -9.5% |
| South Dakota | $1,188 | -$220 | -15.6% |
| Tennessee | $1,230 | -$178 | -12.6% |
| Texas | $1,696 | $288 | 20.5% |
| Utah | $1,040 | -$368 | -26.1% |
| Vermont | $962 | -$446 | -31.7% |
| Virginia | $842 | -$566 | -40.2% |
| Washington | $1,086 | -$322 | -22.9% |
| West Virginia | $1,290 | -$118 | -8.4% |
| Wisconsin | $974 | -$434 | -30.8% |
| Wyoming | $1,254 | -$154 | -10.9% |
Since prices can be so different, the only way to know who has the cheapest car insurance prices is to do a rate comparison from as many companies as possible. Each insurance company utilizes a different rate formula, and quoted prices may be quite different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Nissan Titan XE King Cab 4WD | $1,252 | $104 |
| Nissan Titan SE King Cab 4WD | $1,290 | $108 |
| Nissan Titan XE Crew Cab 4WD | $1,290 | $108 |
| Nissan Titan XE King Cab 2WD | $1,444 | $120 |
| Nissan Titan Pro-4X King Cab 4WD | $1,354 | $113 |
| Nissan Titan SE Crew Cab 4WD | $1,354 | $113 |
| Nissan Titan SE King Cab 2WD | $1,482 | $124 |
| Nissan Titan XE Crew Cab 2WD | $1,482 | $124 |
| Nissan Titan LE Crew Cab 4WD | $1,394 | $116 |
| Nissan Titan Pro-4X Crew Cab 4WD | $1,394 | $116 |
| Nissan Titan SE Crew Cab 2WD | $1,520 | $127 |
| Nissan Titan LE Crew Cab 2WD | $1,596 | $133 |
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 | $336 | $532 | $420 | $1,468 |
| 2023 Nissan Titan | $320 | $512 | $440 | $1,452 |
| 2022 Nissan Titan | $306 | $506 | $450 | $1,442 |
| 2021 Nissan Titan | $296 | $494 | $470 | $1,440 |
| 2020 Nissan Titan | $286 | $474 | $486 | $1,426 |
| 2019 Nissan Titan | $270 | $458 | $500 | $1,408 |
| 2018 Nissan Titan | $260 | $424 | $510 | $1,374 |
| 2017 Nissan Titan | $250 | $400 | $514 | $1,344 |
| 2016 Nissan Titan | $240 | $358 | $520 | $1,298 |
| 2011 Nissan Titan | $190 | $244 | $540 | $1,154 |
| 2009 Nissan Titan | $166 | $202 | $534 | $1,082 |
| 2008 Nissan Titan | $162 | $182 | $530 | $1,054 |
| 2005 Nissan Titan | $142 | $160 | $504 | $986 |
| 2004 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 Shop for the Cheapest Nissan Titan Insurance
Getting lower rates on Nissan Titan insurance requires having a good driving record, having a good credit score, eliminating unnecessary coverage, and not having any coverage lapses. Make time to compare rates every year by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
The next list is a recap of the coverage data touched on in this article.
- Drivers can save around $170 per year simply by quoting online in advance
- Increasing physical damage deductibles could save as much as $475 each year
- Drivers age 20 and younger have the highest car insurance prices, with premiums as much as $451 a month if comprehensive and collision insurance is included
- High-risk drivers that have major violations or accidents may pay on average $1,630 more per year to buy Nissan Titan insurance
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,408 |
| 20 | $3,240 |
| 30 | $1,456 |
| 40 | $1,408 |
| 50 | $1,288 |
| 60 | $1,262 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,728 |
| $250 | $1,580 |
| $500 | $1,408 |
| $1,000 | $1,242 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,408 |
| 50/100 | $1,707 |
| 100/300 | $1,845 |
| 250/500 | $2,205 |
| 100 CSL | $1,762 |
| 300 CSL | $2,067 |
| 500 CSL | $2,289 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,680 |
| 20 | $5,162 |
| 30 | $3,094 |
| 40 | $3,040 |
| 50 | $2,904 |
| 60 | $2,878 |
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 | $74 |
| Multi-vehicle | $75 |
| Homeowner | $22 |
| 5-yr Accident Free | $98 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $60 |
| Advance Quote | $67 |
| Online Quote | $98 |
| Total Discounts | $584 |
Discounts are estimated and may not be available from every company or in every state.
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