Tesla Cybertruck vs Nissan Titan Insurance Cost
The Nissan Titan is cheaper to insure by about $180 a year for full coverage by our estimate ($1,600 vs. $1,420), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Tesla Cybertruck | Nissan Titan | Difference |
|---|---|---|---|
| State minimum | $595 | $560 | +$35 |
| Standard (100/300/100) | $865 | $815 | +$50 |
| Full coverage | $1,600 | $1,420 | +$180 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Cybertruck minus Titan.
Why one costs more to insure
| Factor | Tesla Cybertruck | Nissan Titan |
|---|---|---|
| Segment | Pickup truck | Pickup truck |
| Powertrains | Electric | Gasoline, Flex-fuel |
| HLDI collision (100 = avg) | — | 96 |
| HLDI comprehensive | — | 105 |
| HLDI property damage liability | — | 89 |
| HLDI bodily injury liability | — | 83 |
| NHTSA overall rating | 5★ | 4★ |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 3 | 7 |
Cybertruck vs Titan insurance by state
By driver profile (full coverage)
| Driver | Cybertruck | Titan |
|---|---|---|
| Teen driver (18, own policy) | $4,400 | $3,900 |
| Young adult (22) | $2,560 | $2,270 |
| Adult in their 30s | $1,600 | $1,420 |
| Adult in their 50s | $1,470 | $1,305 |
| Senior (72) | $1,790 | $1,590 |
| 30s, one at-fault accident | $2,320 | $2,055 |
| 30s, DUI on record | $2,960 | $2,625 |
More comparisons
Frequently asked questions
Is the Tesla Cybertruck or the Nissan Titan cheaper to insure?
By our estimate the Nissan Titan is cheaper, by about $180 a year for full coverage ($1,600 vs. $1,420) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Tesla Cybertruck and Nissan Titan?
Mostly because of insurance-loss history: HLDI collision indices of n/a vs. 96 and comprehensive indices of n/a vs. 105 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.