Nissan Titan Insurance Rates

The average insurance rates for a Nissan Titan are $1,408 a year for full coverage. Comprehensive insurance costs approximately $270 a year, collision costs $458, and liability insurance costs $500. Buying just liability costs as little as $560 a year, with insurance for high-risk drivers costing $3,040 or more. 16-year-old drivers cost the most to insure at $5,408 a year or more.

Average premium for full coverage: $1,408

Policy rates by type of insurance:

Price estimates include $500 policy deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and Titan trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural locations are shown to have lower incidents of accident claims than congested cities.

The diagram below illustrates how geographic area affects auto insurance prices.

The examples above show why it is important to compare rates using their specific location, rather than relying on rate averages.

Use the form below to get customized rates for your location.

Rates by State, City, and Model

The chart below shows estimated Nissan Titan insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $824
• Drivers who choose higher $1,000 deductibles will pay $1,242 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $1,408
• Buying low $100 deductibles for comprehensive and collision insurance will cost an additional $320 a year
• High risk drivers with multiple tickets or accidents could pay around $3,040 or more
• Policy cost that insures a teen driver can cost $5,408 a year

View Chart as Image

Insurance rates for a Nissan Titan also range considerably based on the trim level of your Titan, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,700 to $2,300 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 135% more than the average rate. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $5,400 a year. View Rates by Age

Your home state makes a big difference in Nissan Titan insurance rates. A 40-year-old driver could pay 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.

View Chart as Image

Opting for high physical damage deductibles could save up to $490 each year, while buying higher liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $498 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes from as many companies as possible. Every company utilizes a different rate formula, so the rates will be varied.

Insurance Rates by Trim Level and Model Year

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.

How to Find Cheaper Nissan Titan Insurance

Finding cheaper rates on Nissan Titan insurance not only requires being a good driver, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Comparison shop at least every other year by requesting rates from direct carriers, and also from insurance agencies where you live.

The following list is a condensed summary of the car insurance concepts presented in the illustrations above.

• High-risk drivers with multiple at-fault accidents could be forced to pay on average $1,630 more per year than a safer driver
• Drivers can save around $170 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• Drivers who purchase an increased level of liability coverage will pay around $550 each year to go from a 30/60 limit to the 250/500 level