Nissan Titan XD Insurance Rates
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UPDATED: Apr 5, 2024
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Estimated insurance rates for a Nissan Titan XD are $1,508 a year including full coverage. Comprehensive insurance costs on average $270 a year, collision costs $474, and liability costs $564. A liability-only policy costs as little as $628 a year, with high-risk insurance costing $3,266 or more. Teenage drivers pay the most at $5,864 a year or more.
Average premium for full coverage: $1,508
Premium estimates by type of coverage:
Rate estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes both medical and uninsured motorist insurance. Rates include averaging for all 50 U.S. states and Titan XD trim levels.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Nissan Titan XD go from as low as $628 for minimum levels of liability insurance to a high of $3,266 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Your location can make a big difference on car insurance rates. Rural areas are statistically proven to have a lower frequency of comprehensive and collision claims than densely populated cities.
The diagram below illustrates how location helps determine car insurance rates.
These rate differences highlight why it is important to compare rates based on a specific location and risk profile, instead of making a decision based on 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 Details
The chart below breaks down estimated Nissan Titan XD insurance rates for different risk profiles and scenarios.
- The best discount rate is $884
- Drivers who choose higher $1,000 deductibles will pay around $1,340 every year
- The average rate for a 40-year-old good driver with $500 deductibles is $1,508
- Using low $100 deductibles for comprehensive and collision insurance will cost an extra $328 annually
- Drivers who are prone to accidents and violations could pay upwards of $3,266 or more
- An auto insurance policy for full coverage for a 16-year-old driver may cost $5,864 a year
Auto insurance prices for a Nissan Titan XD also have a wide range based on your driving characteristics, the model of your Titan XD, and policy deductibles and limits.
Older drivers with a good driving record and high deductibles may pay as low as $1,400 per year on average, or $117 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards of $5,800 a year. View Rates by Age
Where you choose to live makes a big difference in Nissan Titan XD insurance prices. A 40-year-old driver could pay as low as $1,160 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $2,150 on average in Michigan, New York, and Louisiana.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,362 | -$146 | -9.7% |
| Alaska | $1,156 | -$352 | -23.3% |
| Arizona | $1,250 | -$258 | -17.1% |
| Arkansas | $1,508 | -$0 | 0.0% |
| California | $1,716 | $208 | 13.8% |
| Colorado | $1,438 | -$70 | -4.6% |
| Connecticut | $1,550 | $42 | 2.8% |
| Delaware | $1,706 | $198 | 13.1% |
| Florida | $1,882 | $374 | 24.8% |
| Georgia | $1,390 | -$118 | -7.8% |
| Hawaii | $1,080 | -$428 | -28.4% |
| Idaho | $1,024 | -$484 | -32.1% |
| Illinois | $1,124 | -$384 | -25.5% |
| Indiana | $1,138 | -$370 | -24.5% |
| Iowa | $1,018 | -$490 | -32.5% |
| Kansas | $1,430 | -$78 | -5.2% |
| Kentucky | $2,056 | $548 | 36.3% |
| Louisiana | $2,232 | $724 | 48.0% |
| Maine | $930 | -$578 | -38.3% |
| Maryland | $1,246 | -$262 | -17.4% |
| Massachusetts | $1,204 | -$304 | -20.2% |
| Michigan | $2,618 | $1,110 | 73.6% |
| Minnesota | $1,262 | -$246 | -16.3% |
| Mississippi | $1,806 | $298 | 19.8% |
| Missouri | $1,338 | -$170 | -11.3% |
| Montana | $1,620 | $112 | 7.4% |
| Nebraska | $1,188 | -$320 | -21.2% |
| Nevada | $1,806 | $298 | 19.8% |
| New Hampshire | $1,084 | -$424 | -28.1% |
| New Jersey | $1,684 | $176 | 11.7% |
| New Mexico | $1,336 | -$172 | -11.4% |
| New York | $1,586 | $78 | 5.2% |
| North Carolina | $866 | -$642 | -42.6% |
| North Dakota | $1,236 | -$272 | -18.0% |
| Ohio | $1,042 | -$466 | -30.9% |
| Oklahoma | $1,546 | $38 | 2.5% |
| Oregon | $1,380 | -$128 | -8.5% |
| Pennsylvania | $1,438 | -$70 | -4.6% |
| Rhode Island | $2,010 | $502 | 33.3% |
| South Carolina | $1,366 | -$142 | -9.4% |
| South Dakota | $1,272 | -$236 | -15.6% |
| Tennessee | $1,320 | -$188 | -12.5% |
| Texas | $1,818 | $310 | 20.6% |
| Utah | $1,116 | -$392 | -26.0% |
| Vermont | $1,030 | -$478 | -31.7% |
| Virginia | $902 | -$606 | -40.2% |
| Washington | $1,164 | -$344 | -22.8% |
| West Virginia | $1,382 | -$126 | -8.4% |
| Wisconsin | $1,044 | -$464 | -30.8% |
| Wyoming | $1,342 | -$166 | -11.0% |
Using high physical damage deductibles could save up to $500 annually, while buying higher liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will cost up to $507 extra every year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you are likely paying at a minimum $1,800 to $2,500 in extra premium annually, depending on your age. A high-risk auto insurance policy can cost from 43% to 133% more than a normal policy. View High Risk Driver Rates
With such a large range in prices, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Every company uses a different method to calculate prices, and quoted prices will be substantially different 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 the Best Nissan Titan XD Insurance
Finding better rates on insurance for a Nissan Titan XD not only requires being safe and accident-free, but also having good credit, refrain from filing small claims, and taking advantage of discounts. Invest time comparing rates at every other renewal by quoting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
Below you'll find a brief recap of the concepts that were covered in the charts and tables above.
- Drivers considered higher risk who tend to receive serious violations may pay on average $1,760 more each year than a low-risk driver
- Youthful drivers are charged the highest prices, with the cost nearing $489 per month if they have full coverage
- You may be able to save as much as $180 per year simply by quoting early and online
- Increasing policy deductibles can save around $500 each year
- You may be able to save as much as $180 per year simply by quoting early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,864 |
| 20 | $3,482 |
| 30 | $1,554 |
| 40 | $1,508 |
| 50 | $1,380 |
| 60 | $1,352 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,836 |
| $250 | $1,684 |
| $500 | $1,508 |
| $1,000 | $1,340 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,508 |
| 50/100 | $1,621 |
| 100/300 | $1,762 |
| 250/500 | $2,128 |
| 100 CSL | $1,677 |
| 300 CSL | $1,987 |
| 500 CSL | $2,213 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,324 |
| 20 | $5,550 |
| 30 | $3,318 |
| 40 | $3,266 |
| 50 | $3,122 |
| 60 | $3,088 |
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 | $78 |
| Multi-vehicle | $81 |
| Homeowner | $24 |
| 5-yr Accident Free | $104 |
| 5-yr Claim Free | $97 |
| Paid in Full/EFT | $63 |
| Advance Quote | $72 |
| Online Quote | $105 |
| Total Discounts | $624 |
Discounts are estimated and may not be available from every company or in every state.
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