Nissan Titan Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Nissan Titan is more expensive to insure compared to the average truck.

• Full coverage auto insurance for a Titan averages around $155 monthly, on average, while liability only insurance normally comes in at about $73 a month.

• Hugo provides the most affordable average premiums for a Titan with liability only coverage offered for as cheap as $33 per month.

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Titan Overview

With base prices starting at just $36,550 for new 2021 models, the Nissan Titan is a great budget-friendly car for drivers of all types. You'll have your choice of five different trim levels, so there's an option for every driver.

We analyzed thousands of car insurance quotes on Compare.com, and we've determined that average Nissan Titan insurance prices run around $164 monthly. Compared to other vehicles in the market, how do Titan auto insurance premiums stack up?

How Much is Car Insurance for a Nissan Titan?

In the table above, you'll find that compared to other vehicles on the road, Nissan Titan insurance rates are about average. Titan owners can expect to pay around $73 a month for liability insurance, and about $155 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (check out our guide, "State Minimum vs. Full Coverage", to learn more about the difference between these types of insurance).

Comparing it to other Nissan models, the Titan is more affordable, with prices around 14% lower than the rest of the automaker's vehicle lineup. However, compared to other vehicles of a similar body style, Titan coverage is above average, with both liability only and full coverage insurance averaging more expensive premiums than other trucks.

Compared to all vehicles, regardless of model, body style, or make, the Titan has higher rates than average for both full coverage and liability only insurance.

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Who has the Cheapest Car Insurance for a Nissan Titan?

If you're browsing for an auto insurance policy for a Nissan Titan, you may be most interested in which company offers the most affordable rates. Even though costs will typically be pretty different from between drivers, American Family provides the cheapest average rates for liability only coverage, with rates as little as just $27 per month. With car insurance as low as $32 a month, MetroMile is the next lowest car insurance carrier.

Hugo, AnswerFinancial, and Verti round out the end of the top 5 list. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest companies for you and your unique insurance profile.

Auto insurance carriers use many different variables and complex formulas to calculate rates. Because every driver is different, there's only one way to ensure you get the most affordable prices, and that's by getting personalized quotes and comparing rates from a range of auto insurance companies.

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What Factors Affect Car Insurance Rates for a Nissan Titan?

As we mentioned above, there are numerous factors that insurance carriers reference to decide how much they charge for a policy -- and each company weighs certain factors more than others, so there's not a singular carrier that's the cheapest for every driver.

Below are just a few of the things auto insurance companies look at and how each one affects your final rate:

Vehicle Age

The Nissan Titan has been around for a while, so vehicle age may make a big difference in what you end up paying for car insurance. Typically, it costs more to insure newer cars because they're worth more, however, as time goes on and Titans begin to depreciate, insurance costs will gradually go down.

Based on the information in the table above, the Nissan Titan is in line with this trend, as the cheapest models to insure are those that are 4 to 5 years old, while on average, the most expensive models are Titans that are 2 to 3 and 15 or more years old.

Your Age

Age is another factor that plays a role in how much you pay for insurance. As you can see above, younger drivers have higher premiums compared to those who have more experience on the road. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Car insurance prices continue to get lower as you get older, with the cheapest age group being 45-54 for Titan drivers.

Your Gender

Did you know men tend to pay more for car insurance than women? This is because men are more likely to get into accidents and get speeding tickets, which raises the chances of an insurance claim. The Nissan Titan sticks to the norm, where men pay about $74 monthly for auto insurance, while women pay around $69.

Where You Live

You might think it's common sense that variables like what vehicle you drive and how old you are play a role in your insurance rates, but did you know that where you live can matter just as much? Because car insurance is regulated at the state level, prices fluctuate quite a bit depending on what state you live in.

For example, the average Nissan Titan driver in New York pays about $164 a month for liability coverage. Meanwhile, on average, the same Californian owner will pay less than half of that price. The table referenced above shows average rates for the 10 largest states by population, just to give you a good idea of how much premiums can change from state to state.

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Nissan Titan Car Insurance Discounts

No matter your age, your home state, or your car, using as many discounts as possible when it comes to your auto insurance is always in your best interest when shopping around for a new policy.

Even though all car insurance carriers offer their own unique discounts, there are a few that you'll find with most insurers. These include things like:

• Defensive driving discounts for taking a defensive driving class from a certified school or institution
• Multi-car discounts for having several vehicles on your auto policy
• Vehicle safety discounts for having a vehicle with certain safety features (like anti-lock brakes or air bags) or one with higher than average safety ratings
• Multi-policy discounts for bundling your home and auto policies with the same insurance company

There are all sorts of other discounts out there for saving money on your auto insurance. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like not having recent insurance claims, avoiding lapses in coverage, and driving safely.

Although you can't control every variable insurance companies consider to calculate prices (like some of the ones mentioned above), you do have a say over some of them. Below are just a few of the factors you can use to your favor when it comes to saving some cash:

Your Driving Record

You've almost certainly observed ads from auto insurance carriers promoting big discounts for responsible drivers. It follows that your car insurance rates will go up if you get into a collision or get tickets. But exactly how much will these infractions cost you?

You can see from the table above that accidents will usually cost Titan drivers less than tickets, but both will result in higher than normal rates. Nissan Titan drivers with a single accident on their record pay about $87 a month (up $14 from the $73/mo. overall average), while drivers with one ticket will pay an average of $99 per month. Those with multiple kinds of either violation will end up paying even more.

How Much You Drive

The total distance you drive each year plays a big role in your insurance prices. Those who drive less are less likely to get tickets, so they'll generally get less expensive premiums. Above, you can see that Nissan Titan owners who drive 10,000 miles or more pay $75 for auto insurance, while those who drive fewer than 2,500 miles each year pay an average of $68 monthly.

If you don't use your Nissan Titan to travel or commute regularly, it may be worth reviewing pay-per-mile or usage-based insurance. With these policies, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Nissan Titans Compare to Other Vehicles?

If you're thinking about buying a new vehicle and a Nissan Titan is on your shortlist, you might want to know how it compares to other vehicles. Insurance is just one cost that comes with a new car purchase, but it's guaranteed to be one that's worth considering.

Visit the table below to see how the Nissan Titan stacks up:

As you can see, the Nissan Titan is right on par with the average vehicle price here in the U.S. The average vehicle MSRP in the U.S. is $46,179, and the Titan comes in close to that at $36,550.

Although the purchase price is right in the middle of the spectrum, car insurance rates are slightly lower when compared to other vehicles on the market. Liability insurance for a Nissan Titan is around $20 per month less than average, while full coverage is $13 more per month.

When it comes to usage, Nissan Titan drivers are near the national average in annual miles driven, with 11,660 miles every year for all vehicles compared to the Titan's 11,475 per year.

Nissan Titan Car Insurance Costs by Model Year

So far, you've seen how different things affect how much the average driver pays to insure a Nissan Titan. But if you're considering buying a new vehicle and the Titan is one you're thinking about, having a good idea of exactly what you'll pay can be extremely helpful as you weigh your choices and compare it to other vehicles on your shortlist.

For this reason, we've broken down Nissan Titan auto insurance premiums by model year. Choose a model year from the dropdown below to see average rates for both full coverage and liability only options. We've included some additional information you might find helpful, too, like available trims, the cheapest insurance carrier, and base price for each Titan model year.

Choose Your Model

2021 Nissan Titan Car Insurance 2020 Nissan Titan Car Insurance 2019 Nissan Titan Car Insurance 2018 Nissan Titan Car Insurance 2017 Nissan Titan Car Insurance 2016 Nissan Titan Car Insurance 2015 Nissan Titan Car Insurance 2014 Nissan Titan Car Insurance 2013 Nissan Titan Car Insurance 2012 Nissan Titan Car Insurance 2011 Nissan Titan Car Insurance 2010 Nissan Titan Car Insurance 2009 Nissan Titan Car Insurance

2021 Nissan Titan Car Insurance

If you're searching for a brand new Nissan Titan, you've got options. With five different trim levels available on this year's Titan, you're sure to find one that suits your style.

When it comes to insuring a Titan, on average, it costs about $61 a month to insure a 2021 Nissan Titan for liability only and $182 monthly for full coverage. And if you want the lowest insurance possible, Hugo offers liability only policies for as low as just $33 per month.

While it's helpful to know how much the average driver pays for insurance, you'll never know exactly how much you'll pay without getting a personalized quote. Luckily, Compare.com will gather quotes from several companies for you, all for free. Simply enter your ZIP code below, answer a few questions, and you'll be unlocking your best rates in minutes.

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2020 Nissan Titan Car Insurance

If you're in the market for a 2020 Titan or already own one, you're most likely looking at an average car insurance rate of around $78 for liability or $209 for full coverage.

And if you're just looking for the cheapest insurance for your Titan, Amica offers liability only policies for sometimes as low as $34 a month.

Interested in exactly how much you'll pay? Just enter your ZIP code below to get lots of free personalized quotes.

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2019 Nissan Titan Car Insurance

On average, drivers who own a 2019 Nissan Titan can expect to pay $95 to $168 per month for liability only and full coverage auto insurance, respectively.

With prices sometimes as little as $58 a month, Liberty Mutual offered the lowest policy we found.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2018 Nissan Titan Car Insurance

You can expect full coverage for a 2018 Titan to run about $183 monthly, while liability only coverage will average around $79 a month.

With rates sometimes as cheap as $25 per month, DirectGeneral offered the most affordable policy we found for the 2018 Nissan Titan.

If you want to know exactly how much you can expect to pay for your Titan, get free quotes in minutes by just entering your ZIP code below.

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2017 Nissan Titan Car Insurance

It costs about $72 monthly for liability or $177 for a full coverage policy for the 2017 Nissan Titan.

Shelter Mutual offered the lowest policy we found, with rates as cheap as just $30 a month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2016 Nissan Titan Car Insurance

2016 Titan drivers can expect to pay an average of $59 monthly for liability or $164 for full coverage.

If you're looking for the lowest possible 2016 Nissan Titan insurance policy, American Family offered the cheapest policy we found, with rates as little as $27 per month.

Interested in what your insurance price will be? All you need to do is enter your ZIP code below and you'll be on your way to comparing a variety of personalized quotes from the nation's top insurance carriers.

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2015 Nissan Titan Car Insurance

The average cost to insure a 2015 Nissan Titan with liability only coverage is $45 a month, while full coverage runs around $164 per month.

Looking for the most affordable policy? Commonwealth Casualty offered liability only coverage for as little as just $29 monthly.

If you're looking for a more exact figure on what you should pay for car insurance for a 2015 Nissan Titan, you can get free quotes in minutes by just entering your ZIP code below.

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2014 Nissan Titan Car Insurance

2014 Titan drivers can expect to pay an average of $64 a month for liability or $149 for full coverage.

We found Commonwealth Casualty offered the lowest policy, with rates sometimes as low as $29 monthly.

While these are good estimates of what the average driver might pay to insure a 2014 Nissan Titan, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2013 Nissan Titan Car Insurance

On average, drivers who own a 2013 Nissan Titan can expect to pay $52 to $146 per month for liability only and full coverage auto insurance, respectively.

MetLife has premiums as low as $23 a month for the 2013 Nissan Titan.

If you want to know just how much your premium will be, get free quotes in minutes by just entering your ZIP code below.

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2012 Nissan Titan Car Insurance

It costs about $75 per month for liability or $141 for a full coverage policy for the 2012 Titan.

With rates as little as $26 monthly, Gainsco offered the most affordable policy we found.

Want to figure out exactly what you'll be asked to pay? Enter your ZIP code below to get multiple free customized quotes.

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2011 Nissan Titan Car Insurance

The average cost to insure a 2011 Nissan Titan with liability only coverage is $70 per month, while full coverage runs around $139 monthly.

Looking for the cheapest policy? MetLife offered liability only coverage for sometimes as little as $25 a month.

These average premiums are a great starting point if you're in the market for a 2011 Nissan Titan, but there are a variety of factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2010 Nissan Titan Car Insurance

You can expect full coverage for a 2010 Titan to run about $159 per month, while liability only coverage will average around $76 monthly.

If you're looking for the cheapest possible 2010 Nissan Titan insurance policy, Mapfre offered the lowest policy we found, with rates as cheap as $20 a month.

Want something more accurate than nationwide averages? Get a variety of free customized quotes by just entering your ZIP code below.

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2009 Nissan Titan Car Insurance

2009 Nissan Titan drivers can expect to pay an average of $86 monthly for liability or $150 for full coverage.

MetLife offered the cheapest policy we found, with rates as cheap as just $18 per month.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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Nissan Titan Insurance FAQs

Is a Nissan Titan expensive to insure?

Compared to the national average of all vehicles, prices come in on the more expensive end of the spectrum. Liability insurance runs an average of $73 a month, while full coverage will cost you around $155.

How can I get the best price on car insurance for my Nissan Titan?

The only way to make sure you're getting the most affordable price on car insurance is to check prices regularly and compare quotes from a multitude of companies. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a lot of carriers at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Nissan Titan affect my insurance prices?

You may have heard that it costs more to insure red cars than silver or white ones, but that's just a myth. Even though there are many things insurance companies think about when they decide your car insurance rate, your vehicle's color isn't one of them.

Do I need to have insurance before I buy a Nissan Titan?

You'll need to have a valid insurance policy before you can legally drive your new (or new to you) Titan off the dealership lot. Some dealerships might offer you an insurance policy as part of the car-buying process, but your best bet is letting your auto insurance company know ahead of time.

What car insurance discounts can I get for my Nissan Titan?

You will find a bunch of discounts out there for car insurance. Many of them (like "multi-vehicle discounts" and "pay-in-full discounts") are more based on you than the Nissan Titan you drive, but if your Titan has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may qualify for certain discounts. The only way to know for sure is to contact your insurance carrier and ask about their list of discounts.