Nissan Titan XD Insurance Rates
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UPDATED: Apr 5, 2024
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Average insurance rates for a Nissan Titan XD are $1,476 a year for full coverage. Comprehensive costs on average $260 each year, collision insurance costs $446, and liability insurance is $570. A liability-only policy costs around $634 a year, and high-risk insurance costs around $3,192. Teen drivers receive the highest rates at up to $5,764 a year.
Average premium for full coverage: $1,476
Rate estimates by individual coverage type:
Full coverage includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all states and Titan XD models.
Price Range by Coverage and Risk
For an average driver, prices range range from the low end price of $634 for basic liability insurance to a high rate of $3,192 for a driver that may need high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas tend to have lower incidents of accident claims than larger metro areas. The graphic below illustrates the effect of geographic area on car insurance rates.
These examples show why all drivers should compare rates quotes based on a specific location, rather than relying on price 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.
Rate Comparisons
The chart below shows average Nissan Titan XD insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $870
- Raising to $1,000 deductibles will save around $160 a year
- The estimated price for a 40-year-old driver with $500 deductibles is $1,476
- Choosing low deductibles bumps up the cost to $1,788
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $3,192
- The cost that insures a teen driver may cost $5,764
Insurance rates for a Nissan Titan XD can also vary considerably based on the trim level and model year, how you drive, and policy deductibles and limits.
If you like to drive fast or you caused an accident, you could be paying at a minimum $1,700 to $2,500 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 128% more than average. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,400 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay upwards of $5,700 a year. View Rates by Age
Where you live also has a big influence on Nissan Titan XD insurance rates. A middle-age driver might find rates as low as $970 a year in states like Idaho, Maine, and Iowa, or as much as $2,100 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,332 | -$144 | -9.8% |
| Alaska | $1,130 | -$346 | -23.4% |
| Arizona | $1,222 | -$254 | -17.2% |
| Arkansas | $1,476 | -$0 | 0.0% |
| California | $1,682 | $206 | 14.0% |
| Colorado | $1,408 | -$68 | -4.6% |
| Connecticut | $1,514 | $38 | 2.6% |
| Delaware | $1,670 | $194 | 13.1% |
| Florida | $1,842 | $366 | 24.8% |
| Georgia | $1,360 | -$116 | -7.9% |
| Hawaii | $1,056 | -$420 | -28.5% |
| Idaho | $1,000 | -$476 | -32.2% |
| Illinois | $1,098 | -$378 | -25.6% |
| Indiana | $1,112 | -$364 | -24.7% |
| Iowa | $998 | -$478 | -32.4% |
| Kansas | $1,398 | -$78 | -5.3% |
| Kentucky | $2,010 | $534 | 36.2% |
| Louisiana | $2,184 | $708 | 48.0% |
| Maine | $912 | -$564 | -38.2% |
| Maryland | $1,216 | -$260 | -17.6% |
| Massachusetts | $1,178 | -$298 | -20.2% |
| Michigan | $2,562 | $1,086 | 73.6% |
| Minnesota | $1,234 | -$242 | -16.4% |
| Mississippi | $1,766 | $290 | 19.6% |
| Missouri | $1,308 | -$168 | -11.4% |
| Montana | $1,586 | $110 | 7.5% |
| Nebraska | $1,160 | -$316 | -21.4% |
| Nevada | $1,768 | $292 | 19.8% |
| New Hampshire | $1,062 | -$414 | -28.0% |
| New Jersey | $1,648 | $172 | 11.7% |
| New Mexico | $1,306 | -$170 | -11.5% |
| New York | $1,552 | $76 | 5.1% |
| North Carolina | $850 | -$626 | -42.4% |
| North Dakota | $1,208 | -$268 | -18.2% |
| Ohio | $1,018 | -$458 | -31.0% |
| Oklahoma | $1,512 | $36 | 2.4% |
| Oregon | $1,352 | -$124 | -8.4% |
| Pennsylvania | $1,408 | -$68 | -4.6% |
| Rhode Island | $1,968 | $492 | 33.3% |
| South Carolina | $1,336 | -$140 | -9.5% |
| South Dakota | $1,244 | -$232 | -15.7% |
| Tennessee | $1,290 | -$186 | -12.6% |
| Texas | $1,776 | $300 | 20.3% |
| Utah | $1,092 | -$384 | -26.0% |
| Vermont | $1,010 | -$466 | -31.6% |
| Virginia | $884 | -$592 | -40.1% |
| Washington | $1,138 | -$338 | -22.9% |
| West Virginia | $1,352 | -$124 | -8.4% |
| Wisconsin | $1,022 | -$454 | -30.8% |
| Wyoming | $1,316 | -$160 | -10.8% |
Choosing high deductibles can reduce rates by up to $480 each year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $513 more per year. View Rates by Deductible or Liability Limit
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Nissan Titan XD | $332 | $570 | $488 | $1,590 |
| 2023 Nissan Titan XD | $320 | $566 | $498 | $1,584 |
| 2022 Nissan Titan XD | $308 | $552 | $520 | $1,580 |
| 2021 Nissan Titan XD | $298 | $530 | $536 | $1,564 |
| 2020 Nissan Titan XD | $282 | $512 | $554 | $1,548 |
| 2019 Nissan Titan XD | $270 | $474 | $564 | $1,508 |
| 2018 Nissan Titan XD | $260 | $446 | $570 | $1,476 |
| 2017 Nissan Titan XD | $248 | $400 | $574 | $1,422 |
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 More Affordable Nissan Titan XD Insurance
Saving money on Nissan Titan XD insurance consists of being a low-risk driver, having above-average credit, eliminating unneeded coverage, and determing if full coverage is necessary. Shop around once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The items below are a summary of the data that was covered in the above illustrations.
- Drivers can save as much as $170 per year just by quoting online in advance
- Drivers who require more liability coverage will pay about $630 each year to raise from a minimum limit to the 250/500 level
- Teen drivers pay the highest rates, costing as high as $480 per month if full coverage is included
- High-risk drivers who have multiple accidents or major violations may pay on average $1,720 more each year to insure their Titan XD
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,764 |
| 20 | $3,406 |
| 30 | $1,516 |
| 40 | $1,476 |
| 50 | $1,348 |
| 60 | $1,324 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,788 |
| $250 | $1,644 |
| $500 | $1,476 |
| $1,000 | $1,316 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,476 |
| 50/100 | $1,590 |
| 100/300 | $1,733 |
| 250/500 | $2,103 |
| 100 CSL | $1,647 |
| 300 CSL | $1,961 |
| 500 CSL | $2,189 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $8,176 |
| 20 | $5,426 |
| 30 | $3,238 |
| 40 | $3,192 |
| 50 | $3,054 |
| 60 | $3,024 |
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 | $77 |
| Multi-vehicle | $79 |
| Homeowner | $24 |
| 5-yr Accident Free | $100 |
| 5-yr Claim Free | $94 |
| Paid in Full/EFT | $61 |
| Advance Quote | $69 |
| Online Quote | $102 |
| Total Discounts | $606 |
Discounts are estimated and may not be available from every company or in every state.
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