Nissan Titan XD Insurance Rates
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UPDATED: Apr 5, 2024
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Estimated insurance prices for a Nissan Titan XD are $1,508 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $270, collision insurance costs $474, and liability insurance costs $564. Liability-only insurance costs as little as $628 a year, and high-risk driver insurance costs $3,266 or more. Teen drivers pay the most at up to $5,864 a year.
Average premium for full coverage: $1,508
Premium estimates broken down by type of coverage:
These estimates include $500 deductibles, 30/60 bodily injury liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 states and for different Titan XD trim levels.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Nissan Titan XD range from the cheapest price of $628 for basic liability insurance to a much higher rate of $3,266 for a driver who requires high-risk insurance.
Insurance Price Range by Location
Your location has a significant impact on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on insurance prices.
These rate differences illustrate why anyone shopping for car insurance should compare rates for a targeted area and their own driving history, 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 illustrates average Nissan Titan XD insurance rates for other coverage scenarios.
- The lowest rate with discounts is $884
- Drivers who choose higher $1,000 deductibles will pay approximately $168 each year
- The average price for a 40-year-old good driver who has $500 deductibles is $1,508
- Choosing more expensive low deductibles for comprehensive and collision insurance costs an extra $328 a year
- High risk drivers with multiple violations and an at-fault accident could pay up to $3,266
- An auto insurance policy to insure a teen driver with full coverage can cost as much as $5,864 a year
Insurance prices for a Nissan Titan XD also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model year and trim level.
Choosing high deductibles could save up to $500 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $507 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles could pay as little as $1,400 per year on average, or $117 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers should be prepared to pay at least $5,800 a year. View Rates by Age
If you have a few violations or you were responsible for an accident, you are probably paying $1,800 to $2,500 additional annually, depending on your age. High-risk driver insurance can cost anywhere from 43% to 133% more than average. View High Risk Driver Rates
Where you choose to live makes a big difference in Nissan Titan XD insurance rates. A 40-year-old driver could pay as low as $980 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $2,030 on average in Florida, New York, and Michigan.
| 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% |
| 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 Shop for Cheap Nissan Titan XD Insurance
Finding better rates on Nissan Titan XD insurance not only requires not taking risks behind the wheel, but also having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to compare rates at every other renewal by obtaining price quotes from direct insurance companies, and also from insurance agencies where you live.
The following is a brief summary of the concepts that were covered above.
- High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,760 more annually for Titan XD insurance
- Teens are expensive to insure, with premiums being up to $489 per month if full coverage is included
- It is possible to save approximately $180 per year just by shopping early and online
- Increasing policy deductibles could save as much as $500 each year
- It is possible to save approximately $180 per year just by shopping 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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