Nissan Titan Insurance Cost
Full coverage for a Nissan Titan costs about $1,420 a year ($118/month) by our estimate — ▼ −11% versus the average vehicle.
Nissan Titan insurance cost at a glance
These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2024 model year. Our vehicle data covers the 2005–2024 model years of the Nissan Titan, which is no longer in production.
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $560 | $47 | $460–$665 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $815 | $68 | $670–$960 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,420 | $118 | $1,165–$1,675 |
What drives the cost of insuring a Nissan Titan
The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Nissan Titan's results put our vehicle factor at 0.92× for liability, 0.96× for collision and 1.05× for comprehensive.
| Coverage | Index | Rating | What it measures |
|---|---|---|---|
| Collision | 96 | Average | Damage to this car in crashes; driven by repair costs and crash frequency |
| Comprehensive | 105 | Average | Theft, vandalism, glass, weather and animal damage |
| Property damage liability | 89 | Better than average | Damage this car does to other vehicles and property |
| Bodily injury liability | 83 | Better than average | Injuries to people in other vehicles (claim frequency) |
| Personal injury protection | 83 | Better than average | Injuries to occupants of this car (claim frequency) |
| Medical payments | 48 | Much better than average | Injuries to occupants of this car (claim frequency) |
HLDI results by body style / drivetrain (3)
| Variant | Collision | Comprehensive | Prop. damage | Bodily injury |
|---|---|---|---|---|
| Nissan Titan crew cab short bed 4WD | 96 | 105 | 89 | 83 |
| Nissan Titan XD crew cab 4WD | 102 | 131 | 94 | — |
| Nissan Titan crew cab short bed | 87 | 88 | 95 | — |
- Repair and parts costs: Pickup truck — mainstream parts availability keeps repairs moderate.
- Safety: 4-star NHTSA overall rating (frontal 4★, side 5★, rollover 3★) — better occupant protection lowers injury-claim costs.
- Recalls & complaints: 7 NHTSA recall campaigns and 46 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.
Nissan Titan trims and configurations (2024)
Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.
| Configuration | Drive | Engine | MPG (comb.) |
|---|---|---|---|
| Titan 2WD | RWD | 5.6L 8-cyl | 17 |
| Titan 4WD | 4WD | 5.6L 8-cyl | 17 |
| Titan 4WD PRO4X | 4WD | 5.6L 8-cyl | 16 |
Nissan Titan insurance cost by model year
Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.
| Model year | Engines | Drive | MPG | Est. full / yr |
|---|---|---|---|---|
| 2024 | 5.6L 8-cyl | 4WD, RWD | 16–17 | $1,420 |
| 2023 | 5.6L 8-cyl | 4WD, RWD | 17–18 | $1,385 |
| 2022 | 5.6L 8-cyl | 4WD, RWD | 17–18 | $1,355 |
| 2021 | 5.6L 8-cyl | 4WD, RWD | 17–18 | $1,325 |
| 2020 | 5.6L 8-cyl | 4WD, RWD | 17–18 | $1,295 |
| 2019 | 5.6L 8-cyl | 4WD, RWD | 17–18 | $1,260 |
| 2018 | 5.6L 8-cyl | 4WD, RWD | 17–18 | $1,230 |
| 2017 | 5.6L 8-cyl | 4WD, RWD | 17–18 | $1,200 |
| 2015 | 5.6L 8-cyl | 4WD, RWD | 14–15 | $1,165 |
| 2014 | 5.6L 8-cyl | 4WD, RWD | 14–15 | $1,165 |
| 2013 | 5.6L 8-cyl | 4WD, RWD | 14–15 | $1,165 |
| 2012 | 5.6L 8-cyl | 4WD, RWD | 14–15 | $1,165 |
| 2011 | 5.6L 8-cyl | 4WD, RWD | 14–15 | $1,165 |
| 2010 | 5.6L 8-cyl | 4WD, RWD | 14–15 | $1,165 |
| 2009 | 5.6L 8-cyl | 4WD/AWD, RWD | 14–15 | $1,165 |
| 2008 | 5.6L 8-cyl | 4WD/AWD, RWD | 14 | $1,165 |
| 2007 | 5.6L 8-cyl | 4WD/AWD, RWD | 14 | $1,165 |
| 2006 | 5.6L 8-cyl | 4WD/AWD, RWD | 14 | $1,165 |
| 2005 | 5.6L 8-cyl | 4WD/AWD, RWD | 14 | $1,165 |
Nissan Titan insurance cost by state
The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Titan page for that state.
Nissan Titan insurance by driver profile
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $1,545 | $2,240 | $3,900 | $325 |
| Young adult (22) | $900 | $1,305 | $2,270 | $189 |
| Adult in their 30s | $560 | $815 | $1,420 | $118 |
| Adult in their 50s | $515 | $750 | $1,305 | $109 |
| Senior (72) | $630 | $915 | $1,590 | $133 |
| 30s, one at-fault accident | $815 | $1,180 | $2,055 | $171 |
| 30s, DUI on record | $1,040 | $1,510 | $2,625 | $219 |
Nissan Titan vs. rivals
| Model | Full coverage / yr | HLDI collision | HLDI comprehensive | Comparison |
|---|---|---|---|---|
| Nissan Titan | $1,420 | 96 | 105 | — |
| Toyota Tacoma | $1,375 | 87 | 86 | Compare |
| Tesla Cybertruck | $1,600 | — | — | Compare |
| Toyota Tundra | $1,515 | 94 | 108 | Compare |
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Other Nissan models
- Frontier $1,480/yr
- Kicks $1,600/yr
- Murano $1,465/yr
- Sentra $2,045/yr
- Z $1,670/yr
- Altima $1,995/yr
- Ariya $1,500/yr
- Armada $1,420/yr
- Leaf $1,465/yr
- Pathfinder $1,455/yr
- Rogue $1,430/yr
- Versa $1,825/yr
- GT-R $1,775/yr
- Maxima $1,445/yr
- Rogue Sport $1,315/yr
- 370Z $1,655/yr
- NV200 $1,370/yr
- Juke $1,195/yr
- Quest $1,165/yr
- Xterra $1,165/yr
- Cube $1,190/yr
- 350Z $1,445/yr
Frequently asked questions
How much is insurance for a Nissan Titan?
We estimate about $1,420 a year ($118 a month) for full coverage and $560 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 11% less than the average vehicle.
Is the Nissan Titan expensive to insure?
HLDI insurance-loss data rates it at 96 for collision and 105 for comprehensive losses (100 = average of all vehicles), meaning collision losses are average.
Which state is cheapest to insure a Nissan Titan?
Maine has the lowest estimate (about $900 a year for full coverage) and Florida the highest (about $2,035).
What is the Nissan Titan's NHTSA safety rating?
The 2024 Nissan Titan earned 4 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.
Is the Nissan Titan cheaper to insure than the Toyota Tacoma?
By our estimate the Nissan Titan costs about $1,420 a year versus $1,400 for the Toyota Tacoma, making the Toyota Tacoma cheaper to insure.
How much is Nissan Titan insurance for a teen driver?
An 18-year-old on their own full-coverage policy would pay about $3,900 a year at national-average rates by our estimate.
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.
- NAIC Auto Insurance Database Report (state and national average premiums)
- fueleconomy.gov / EPA vehicle data (model years, trims, powertrains)
- NHTSA vPIC vehicle database
- IIHS-HLDI insurance losses by make and model (2022-2024 models)
- NHTSA 5-Star Safety Ratings
- NHTSA recalls and complaints database