Nissan Titan Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 4, 2023

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Nissan Titan insurance

Average insurance rates for a Nissan Titan are $1,374 a year for full coverage. Comprehensive insurance costs around $260 each year, collision costs $424, and liability is $510. Liability-only coverage costs around $568 a year, with high-risk coverage costing $2,966 or more. Teen drivers receive the highest rates at $5,308 a year or more.

Average premium for full coverage: $1,374

Rate estimates for individual coverage type:

Comprehensive $260
Collision $424
Liability $510

Includes $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all states and Titan models.

Price Range by Coverage and Risk

For a driver around age 40, prices range go from as low as $568 for the bare minimum liability coverage to a high rate of $2,966 for a driver that may need high-risk insurance.

Liability Only $568
Full Coverage $1,374
High Risk $2,966

Price Range by Location

Choosing to live in a large city can have significant affects on auto insurance rates. Areas with sparse population tend to have a lower frequency of accident claims than larger metro areas.

The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

Rural Areas $1,031
Small Cities $1,443
Large Cities $1,855

These examples show why all drivers should compare rates quotes for a specific zip code and risk profile, instead of using 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.

Additional Rate Information

The chart below shows estimated Nissan Titan insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $807
  • Raising to $1,000 deductibles will save about $154 a year
  • The average rate for a 40-year-old driver using $500 deductibles is $1,374
  • Choosing low deductibles will cost an extra $300 every year
  • At-risk drivers with multiple violations and an at-fault accident could pay at least $2,966 or more
  • The cost for full coverage for a teen driver can be $5,308

View Chart as Image

Nissan Titan insurance cost comparison chart
Column chart showing full coverage Nissan Titan insurance prices range from $807 to $5,308

Car insurance rates for a Nissan Titan can also vary considerably based on your driver profile, the trim level of your Titan, and deductibles and policy limits.

More mature drivers with no driving violations and high deductibles may pay as little as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even good drivers will be charged as much as $5,300 a year. View Rates by Age

Where you live also has a big influence on Nissan Titan insurance prices. A middle-age driver might find rates as low as $910 a year in states like Idaho, Maine, and Iowa, or as much as $1,960 on average in Michigan, Louisiana, and New York.

Nissan Titan Insurance Rates by State
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%

View Chart as Image

Nissan Titan insurance rates by U.S. city

Choosing high deductibles can reduce rates by up to $460 every year, whereas increasing liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will cost as much as $507 extra every 12 months. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at least $1,600 to $2,300 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 130% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know your exact price is to do a rate comparison and see which company has the best rate. Every auto insurance company uses a different rate calculation, so rate quotes can be significantly different from one company to the next.

Insurance Rates by Trim Level and Model Year

Nissan Titan Insurance Rates by Model and Trim Level
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.

Nissan Titan Insurance Rates by Model Year
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 Cheapest Nissan Titan Insurance

Saving money on car insurance consists of being a good driver, having above-average credit, eliminating unneeded coverage, and qualifying for all possible discounts. Set aside time to compare rates once a year by obtaining price quotes from direct carriers like GEICO and Progressive, and also from local insurance agents.

The following list is a recap of the data that was covered above.

  • Drivers can save up to $160 per year simply by quoting online in advance
  • Policyholders who may need an increased level of liability coverage will pay about $560 each year to raise from a minimum limit to 250/500 limits
  • Drivers age 16 to 20 are the costliest to insure, costing as high as $442 per month if full coverage is included
  • Higher risk drivers that have major violations or accidents may be required to pay an average of $1,590 more every year than a safer driver

Rates by Driver Age

Nissan Titan Insurance 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

Nissan Titan Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,674
$250 $1,536
$500 $1,374
$1,000 $1,220

Full coverage, driver age 40

Rates by Liability Limit

Nissan Titan Insurance Rates with Different Liability Limits
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

Nissan Titan Insurance 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.

SR-22 Surcharge $189

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
Rate after discounts $807

Discounts are estimated and may not be available from every company or in every state.

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