Nissan Titan Insurance Rates
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UPDATED: Jun 4, 2023
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U.S. average insurance rates for a Nissan Titan are $1,408 a year for full coverage insurance. Comprehensive costs around $270, collision insurance costs $458, and liability insurance is $500. Buying just liability costs around $560 a year, and insurance for high-risk drivers costs around $3,040. Teen drivers pay the highest rates at up to $5,408 a year.
Average premium for full coverage: $1,408
Price estimates for individual coverage:
These estimates include $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and for different Titan trim levels.
Price Range from Low to High
For a 40-year-old driver, Nissan Titan insurance prices range from the low end price of $560 for just the minimum liability insurance to a much higher rate of $3,040 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population have lower incidents of physical damage claims than larger metro areas. The price range example below illustrates how your location can change auto insurance rates.
The ranges above illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code, 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.
Additional Rate Analysis
The chart below illustrates average Nissan Titan insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $824
- Raising to $1,000 deductibles will save about $166 each year
- The estimated price for the average middle-age driver using $500 deductibles is $1,408
- Choosing more expensive low deductibles bumps up the cost to $1,728
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $3,040
- The price that insures a teen driver with full coverage can be $5,408
Insurance prices for a Nissan Titan are also quite variable based on the model year and trim level, your age and driving record, and deductibles and policy limits.
If you have some driving violations or you caused an accident, you are probably paying at least $1,700 to $2,300 additional each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 43% to 135% more than average. View High Risk Driver Rates
An older driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records should be prepared to pay as much as $5,400 a year. View Rates by Age
The state you live in also has a big influence on Nissan Titan insurance rates. A middle-age driver might find prices as low as $920 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,900 on average in Michigan, New York, and Florida.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,272 | -$136 | -9.7% |
| Alaska | $1,080 | -$328 | -23.3% |
| Arizona | $1,168 | -$240 | -17.0% |
| Arkansas | $1,408 | -$0 | 0.0% |
| California | $1,604 | $196 | 13.9% |
| Colorado | $1,342 | -$66 | -4.7% |
| Connecticut | $1,446 | $38 | 2.7% |
| Delaware | $1,594 | $186 | 13.2% |
| Florida | $1,760 | $352 | 25.0% |
| Georgia | $1,300 | -$108 | -7.7% |
| Hawaii | $1,008 | -$400 | -28.4% |
| Idaho | $954 | -$454 | -32.2% |
| Illinois | $1,046 | -$362 | -25.7% |
| Indiana | $1,060 | -$348 | -24.7% |
| Iowa | $948 | -$460 | -32.7% |
| Kansas | $1,334 | -$74 | -5.3% |
| Kentucky | $1,918 | $510 | 36.2% |
| Louisiana | $2,084 | $676 | 48.0% |
| Maine | $868 | -$540 | -38.4% |
| Maryland | $1,162 | -$246 | -17.5% |
| Massachusetts | $1,124 | -$284 | -20.2% |
| Michigan | $2,442 | $1,034 | 73.4% |
| Minnesota | $1,176 | -$232 | -16.5% |
| Mississippi | $1,686 | $278 | 19.7% |
| Missouri | $1,248 | -$160 | -11.4% |
| Montana | $1,512 | $104 | 7.4% |
| Nebraska | $1,108 | -$300 | -21.3% |
| Nevada | $1,688 | $280 | 19.9% |
| New Hampshire | $1,014 | -$394 | -28.0% |
| New Jersey | $1,574 | $166 | 11.8% |
| New Mexico | $1,246 | -$162 | -11.5% |
| New York | $1,482 | $74 | 5.3% |
| North Carolina | $812 | -$596 | -42.3% |
| North Dakota | $1,154 | -$254 | -18.0% |
| Ohio | $970 | -$438 | -31.1% |
| Oklahoma | $1,444 | $36 | 2.6% |
| Oregon | $1,290 | -$118 | -8.4% |
| Pennsylvania | $1,340 | -$68 | -4.8% |
| Rhode Island | $1,876 | $468 | 33.2% |
| South Carolina | $1,274 | -$134 | -9.5% |
| South Dakota | $1,188 | -$220 | -15.6% |
| Tennessee | $1,230 | -$178 | -12.6% |
| Texas | $1,696 | $288 | 20.5% |
| Utah | $1,040 | -$368 | -26.1% |
| Vermont | $962 | -$446 | -31.7% |
| Virginia | $842 | -$566 | -40.2% |
| Washington | $1,086 | -$322 | -22.9% |
| West Virginia | $1,290 | -$118 | -8.4% |
| Wisconsin | $974 | -$434 | -30.8% |
| Wyoming | $1,254 | -$154 | -10.9% |
Choosing high deductibles can reduce prices by up to $490 each year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $498 more each year. View Rates by Deductible or Liability Limit
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Nissan Titan XE King Cab 4WD | $1,252 | $104 |
| Nissan Titan SE King Cab 4WD | $1,290 | $108 |
| Nissan Titan XE Crew Cab 4WD | $1,290 | $108 |
| Nissan Titan XE King Cab 2WD | $1,444 | $120 |
| Nissan Titan Pro-4X King Cab 4WD | $1,354 | $113 |
| Nissan Titan SE Crew Cab 4WD | $1,354 | $113 |
| Nissan Titan SE King Cab 2WD | $1,482 | $124 |
| Nissan Titan XE Crew Cab 2WD | $1,482 | $124 |
| Nissan Titan LE Crew Cab 4WD | $1,394 | $116 |
| Nissan Titan Pro-4X Crew Cab 4WD | $1,394 | $116 |
| Nissan Titan SE Crew Cab 2WD | $1,520 | $127 |
| Nissan Titan LE Crew Cab 2WD | $1,596 | $133 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Nissan Titan | $336 | $532 | $420 | $1,468 |
| 2023 Nissan Titan | $320 | $512 | $440 | $1,452 |
| 2022 Nissan Titan | $306 | $506 | $450 | $1,442 |
| 2021 Nissan Titan | $296 | $494 | $470 | $1,440 |
| 2020 Nissan Titan | $286 | $474 | $486 | $1,426 |
| 2019 Nissan Titan | $270 | $458 | $500 | $1,408 |
| 2018 Nissan Titan | $260 | $424 | $510 | $1,374 |
| 2017 Nissan Titan | $250 | $400 | $514 | $1,344 |
| 2016 Nissan Titan | $240 | $358 | $520 | $1,298 |
| 2011 Nissan Titan | $190 | $244 | $540 | $1,154 |
| 2009 Nissan Titan | $166 | $202 | $534 | $1,082 |
| 2008 Nissan Titan | $162 | $182 | $530 | $1,054 |
| 2005 Nissan Titan | $142 | $160 | $504 | $986 |
| 2004 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 Cheap Nissan Titan Insurance
Getting lower rates on Nissan Titan insurance consists of having a decent driving record, having a good credit score, not filing small claims, and deciding if full coverage is necessary. Shop around every other policy renewal by getting quotes from direct insurance companies, and also from insurance agencies where you live.
The following items are a brief summary of the ideas that were illustrated above.
- 16 to 18-year-old drivers are charged the highest prices, as much as $451 a month if comprehensive and collision insurance is included
- High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $1,630 more every year than a driver with a clean driving record
- Increasing physical damage deductibles can save approximately $475 each year
- It is possible to save up to $170 per year just by shopping early and online
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,408 |
| 20 | $3,240 |
| 30 | $1,456 |
| 40 | $1,408 |
| 50 | $1,288 |
| 60 | $1,262 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,728 |
| $250 | $1,580 |
| $500 | $1,408 |
| $1,000 | $1,242 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,408 |
| 50/100 | $1,707 |
| 100/300 | $1,845 |
| 250/500 | $2,205 |
| 100 CSL | $1,762 |
| 300 CSL | $2,067 |
| 500 CSL | $2,289 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,680 |
| 20 | $5,162 |
| 30 | $3,094 |
| 40 | $3,040 |
| 50 | $2,904 |
| 60 | $2,878 |
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 | $74 |
| Multi-vehicle | $75 |
| Homeowner | $22 |
| 5-yr Accident Free | $98 |
| 5-yr Claim Free | $90 |
| Paid in Full/EFT | $60 |
| Advance Quote | $67 |
| Online Quote | $98 |
| Total Discounts | $584 |
Discounts are estimated and may not be available from every company or in every state.
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