Is Insurance Cheaper for a Ford F150 or Nissan Titan?

• At an annual average cost of $2,684 per year, a 2024 Nissan Titan costs less to insure than a 2024 Ford F150 by $438 per year.
• Average monthly car insurance rates for the Ford F150 is 18% more expensive than the Nissan Titan, at $224 compared to $187, a difference of $37.
• With seven models in the 2024 large truck class, the Ford F150 ranks fourth and the Nissan Titan ranks first for most affordable car insurance rates.
• When compared to the average U.S. car insurance rate of $2,276 per year, the Ford F150 costs an average of $408 more per year, while the Nissan Titan costs $30 less per year.

Does a Ford F150 or Nissan Titan cost less to insure?

Insurance on a 2024 Ford F150 costs an average of $2,684 per year, whereas insurance for a 2024 Nissan Titan costs an average of $2,246 per year, making the Nissan Titan the cheaper of the two models by $438 per year.

For the 27 trims available for the 2024 Ford F150, the cheapest trim to insure is the XL Super Cab 4WD trim at an average cost of $2,254 per year, or $188 per month.

For the eight trims available for the Nissan Titan, the cheapest 2024 trim to insure is the SV Crew Cab 4WD model at a cost of $2,028 per year, or around $169 per month.

When looking at the aggregated rates by trim for both models, the most affordable model and trim level is the Nissan Titan SV Crew Cab 4WD at an average of $2,028 per year. The most expensive model and trim level is the Ford F150 Lightning Platinum Black Special Edition costing $3,120 per year.

The rate table below compares and ranks the cost of car insurance for 2024 Ford F150 and Nissan Titan models, broken down by individual trim level.

The chart shown below demonstrates the average cost to insure both 2024 models for drivers aged 20 to 50. The average cost of car insurance ranges from $2,378 to $5,432 per year for a 2024 Ford F150, and $1,998 to $4,514 for a 2024 Nissan Titan.

The rate tables below show the average cost to insure all 2024 trim levels, along with the average rate for each model.

2023 Ford F150 vs. Nissan Titan

Insurance rates on a 2023 Ford F150 cost an average of $2,370 per year, while insurance for a Nissan Titan costs an average of $2,306 per year, making the Nissan Titan the model with the cheapest overall car insurance rates.

Out of 27 Ford F150 trim levels, the cheapest 2023 model to insure is the XL Super Cab 4WD model at an average cost of $2,032 per year, or around $169 per month.

Out of the 13 trim levels available for the Nissan Titan, the cheapest 2023 trim level to insure is the S King Cab 2WD trim at a cost of $2,154.

When comparing aggregated rates for both models from a trim-level perspective, the lowest-cost model and trim to insure is the Ford F150 XL Super Cab 4WD at an average of $2,032 per year. The highest-cost model and trim level is the Ford F150 Lightning Platinum at a cost of $2,618 per year.

For previous model years, the average auto insurance prices for each model compare as follows. Click any model year to view rates for every trim level.

• Cheapest 2022 Model – Ford F150 ($2,118 vs. Nissan Titan at $2,310)
• Cheapest 2021 Model – Ford F150 ($2,138 vs. Nissan Titan at $2,282)
• Cheapest 2020 Model – Ford F150 ($2,074 vs. Nissan Titan at $2,212)
• Cheapest 2019 Model – Ford F150 ($1,950 vs. Nissan Titan at $2,148)
• Cheapest 2018 Model – Ford F150 ($1,842 vs. Nissan Titan at $2,004)
• Cheapest 2017 Model – Ford F150 ($1,768 vs. Nissan Titan at $1,932)
• Cheapest 2016 Model – Ford F150 ($1,688 vs. Nissan Titan at $1,786)
• Cheapest 2015 Model – Ford F150 ($1,692 vs. Nissan Titan at $1,708)

The rate table below ranks the annual and monthly car insurance cost for 2023 Ford F150 and Nissan Titan models, with average rates for every trim level for each model.

The chart below shows the average cost to insure the two models using a range of rated driver ages. For a 2023 Ford F150, insurance cost ranges from $2,100 to $4,736 per year for the illustrated age groups. A 2023 Nissan Titan costs from $2,046 to $4,648 to insure per year.

The tables shown below illustrate both 2023 models and all trim levels available for each one, along with the average rate for each model. The 2023 Nissan Titan has lower-cost car average car insurance rates than the 2023 Ford F150.

2022 Ford F150 vs. Nissan Titan

For the 2022 model year, the cheapest to insure is the Ford F150. Insurance cost for the Ford F150 averages $2,118 per year, and insurance for the Nissan Titan costs an average of $2,310 per year.

2022 Ford F150 insurance rates range from the lowest full-coverage average rate of $1,826 per year for the XL Regular Cab 4WD model up to $2,408 for the Limited SuperCrew model.

For the 2022 Nissan Titan, rates range from $2,180 per year on the S King Cab 4WD model up to $2,528 for the Platinum Reserve Crew Cab 2WD model.

When comparing both models at a trim-level basis, the most affordable model and trim level to insure is the Ford F150 XL Regular Cab 4WD at an average rate of $1,826 per year, and the most expensive vehicle to insure is the Nissan Titan Platinum Reserve Crew Cab 2WD at an average of $2,528 per year.

For a 2022 Ford F150, the cheapest models are the XL Regular Cab 4WD, XL Super Cab 4WD, and XLT Regular Cab 4WD. The cheapest Nissan Titan models include the S King Cab 4WD, S King Cab 2WD, and S Crew Cab 4WD.

The table below compares the annual and monthly cost of car insurance for 2022 Ford F150 and Nissan Titan models, with average rates for every trim level for each model.

The chart below displays the average car insurance cost for both 2022 models for the 20, 30, 40, and 50-year-old driver age groups. For a 2022 Ford F150, average car insurance cost ranges from $1,880 to $4,250 per year for the example age groups. Full-coverage insurance on a 2022 Nissan Titan ranges from $2,052 to $4,670 on average per year.

For the 31 trims available for the 2022 Ford F150, the cheapest trim to insure is the XL Regular Cab 4WD model at an average cost of $1,826 per year. For the 11 trim and option levels available for the Nissan Titan, the cheapest 2022 model to insure is the S King Cab 4WD trim at a cost of $2,180.

When looking at the aggregated rates by trim level for both models, the lowest-cost model and trim level to insure is the Ford F150 XL Regular Cab 4WD at an average cost of $1,826 per year. The highest-cost model and trim is the Nissan Titan Platinum Reserve Crew Cab 2WD costing $2,528 per year.

The tables shown below display the average insurance cost by trim level for both 2022 models, along with an average cost for each model. The cheapest model to insure for the 2022 model year is the Ford F150.

2021 Ford F150 vs. Nissan Titan

When comparing insurance rates for 2021 models, a Ford F150 costs an average of $2,138 per year to insure and a Nissan Titan costs $2,282, making the Ford F150 cheaper to insure by $144 per year.

The next chart shows the average cost to insure both 2021 models using a range of rated driver ages. The average cost of car insurance ranges from $1,896 to $4,340 per year for a 2021 Ford F150, and $2,026 to $4,644 for a 2021 Nissan Titan for the age groups used in this illustration.

For the 43 trims available for the 2021 Ford F150, the cheapest trim level to insure is the XL Regular Cab 6.5 4WD model at an average cost of $1,904 per year, or around $159 per month. For the 17 trims available for the Nissan Titan, the cheapest 2021 model to insure is the S Regular Cab 2WD model at a cost of $2,118.

When insurance prices for all 60 trim levels for the 2021 model year of both models are compared, the lowest-cost model and trim level to insure is the Ford F150 XL Regular Cab 6.5 4WD at an average of $1,904 per year. The most expensive model and trim level is the Ford F150 Limited Super Cab 2WD at an average cost of $2,530 per year.

The next tables show the expected annual car insurance cost by trim level for both 2021 models, as well as the overall average rate for each model. The 2021 Ford F150 has more affordable average car insurance than the 2021 Nissan Titan.

2020 Ford F150 vs. Nissan Titan

When comparing insurance rates for 2020 models, the Ford F150 costs an average of $2,074 per year to insure and the Nissan Titan costs $2,212, making the Ford F150 the model with cheaper insurance by $138 for this model year.

The chart below displays the average cost to insure both models for a range of driver ages. A full-coverage car insurance policy ranges from $1,840 to $4,210 per year for a 2020 Ford F150, and $1,966 to $4,502 on a 2020 Nissan Titan for the five different driver ages shown in the chart

Out of 43 Ford F150 trim levels, the cheapest 2020 trim to insure is the XL Regular Cab 6.5 4WD trim at an average cost of $1,848 per year, or around $154 per month. For the 17 different trims available for the Nissan Titan, the cheapest 2020 trim level to insure is the S Regular Cab 2WD model at a cost of $2,056 per year, or around $171 per month.

When comparing both models combined at a trim-level basis, the lowest-cost model and trim to insure is the Ford F150 XL Regular Cab 6.5 4WD at an average of $1,848 per year. The highest-cost model and trim level is the Ford F150 Limited Super Cab 2WD costing an average of $2,454 per year.

The rate tables below show average car insurance rates for each trim level, plus an average rate for each model. The model with the cheapest average car insurance rates for 2020 is the Ford F150.

2019 Ford F150 vs. Nissan Titan

For 2019 Ford F150 and Nissan Titan models, the Ford F150 has cheaper car insurance rates by $198 per year for this model year.

The chart below shows the average cost to insure both models for a range of driver ages. For a 2019 Ford F150, the average car insurance cost ranges from $1,734 to $3,964 per year for the different drivers illustrated in the chart. Auto insurance for a 2019 Nissan Titan costs from $1,908 to $4,374 on average per year.

Out of 24 trim levels for the 2019 Ford F150, the cheapest average insurance prices are on the XL Regular Cab 4WD trim at a cost of $1,670 per year. The 2019 Nissan Titan has 17 trim options available, with the cheapest model to insure being the S Regular Cab 2WD model at an average cost of $1,998 per year.

When comparing combined rates for both models from a trim-level perspective, the lowest-cost model and trim level to buy insurance for is the Ford F150 XL Regular Cab 4WD at an average of $1,670 per year. The most expensive model and trim level is the Nissan Titan Platinum Crew Cab 4WD at a cost of $2,342 per year.

The next tables illustrate trim level insurance cost averages for both 2019 models, as well as an average rate for each model. The 2019 Ford F150 has lower-cost car average car insurance rates than the 2019 Nissan Titan.

2018 Ford F150 vs. Nissan Titan

For 2018 Ford F150 and Nissan Titan models, the Ford F150 is cheaper to insure by $162 per year for this model year.

The chart below visualizes the average insurance cost for both models rated for different driver ages. The average full-coverage insurance policy ranges from $1,640 to $3,734 per year for a 2018 Ford F150, and $1,782 to $4,066 on a 2018 Nissan Titan for the five driver ages sampled in the chart

The 2018 Ford F150 has 24 trims available, with the cheapest model to insure being the XL Regular Cab 4WD trim at an average cost of $1,600 per year, or $133 per month.

Out of the 24 different trims available for the Nissan Titan, the cheapest 2018 trim to insure is the S 2WD trim at a cost of $1,870 per year, or around $156 per month.

When comparing both models combined at a trim-level basis, the cheapest trim to insure is the Ford F150 XL Regular Cab 4WD at an average cost of $1,600 per year. The most expensive model and trim level is the Nissan Titan Platinum Crew Cab 4WD costing an average of $2,236 per year.

The rate tables below detail average cost to insure each trim level for a 2018 Ford F150 and Nissan Titan, including an overall average cost for each model. The 2018 Ford F150 has cheaper average auto insurance rates than the 2018 Nissan Titan.

2017 Ford F150 vs. Nissan Titan

A 2017 Ford F150 costs $164 less per year to insure per year on average than a 2017 Nissan Titan, a difference of 8.9%.

The chart shown below visualizes the average car insurance cost for both models with different ages of drivers. Insurance cost ranges from $1,576 to $3,582 per year for a 2017 Ford F150, and $1,722 to $3,922 on a 2017 Nissan Titan for the five different driver ages shown in the chart

Out of 24 Ford F150 trim levels, the cheapest 2017 trim to insure is the XL Regular Cab 4WD trim at an average cost of $1,542 per year. For the 24 different trims available for the Nissan Titan, the cheapest 2017 trim level to insure is the S 2WD trim at a cost of $1,802.

When comparing rates by trim level for both models, the lowest-cost model and trim level to insure is the Ford F150 XL Regular Cab 4WD at an average cost of $1,542 per year. The most expensive vehicle to insure is the Nissan Titan Platinum Crew Cab 4WD costing $2,148 per year.

The two tables below detail trim level insurance rates for each 2017 model, including the average rate for each model. The model with the cheapest overall car insurance rates for 2017 is the Ford F150.

2016 Ford F150 vs. Nissan Titan

For the 2016 Ford F150 and Nissan Titan models, the Ford F150 has cheaper car insurance cost by $98 per year.

The following chart demonstrates the average car insurance cost for the two models with different drivers at the wheel. The average cost of car insurance ranges from $1,506 to $3,420 per year on a 2016 Ford F150, and $1,602 to $3,602 on a 2016 Nissan Titan for these driver ages.

For the 22 trim levels available for the 2016 Ford F150, the cheapest trim to insure is the XL Regular Cab 4WD model at an average cost of $1,494 per year, or around $125 per month.

For the 12 different trim levels available for the Nissan Titan, the cheapest 2016 trim to insure is the S King Cab 2WD model at a cost of $1,638 per year, or about $137 per month.

When comparing car insurance rates for both models by trim level, the cheapest model and trim level to put coverage on is the Ford F150 XL Regular Cab 4WD at an average rate of $1,494 per year, and the most expensive trim is the Ford F150 Limited Crew Cab 2WD costing $1,922 per year.

The next tables display both 2016 models and all trim levels available for each one, including the average rate for each model.

2015 Ford F150 vs. Nissan Titan

For 2015 Ford F150 and Nissan Titan models, the Ford F150 costs less to insure by an average of $16 per year.

The rate chart below shows the average car insurance cost for both 2015 models rated for a variety of different driver ages. Average insurance cost ranges from $1,514 to $3,450 per year for a 2015 Ford F150, and $1,534 to $3,444 on a 2015 Nissan Titan for the chosen age groups in the chart

Out of 20 Ford F150 trims, the cheapest 2015 trim level to insure is the XL Regular Cab 2WD trim at an average cost of $1,490 per year, or $124 per month.

For the 12 trim and option levels available for the Nissan Titan, the cheapest 2015 trim to insure is the S King Cab 2WD model at a cost of $1,564 per year, or $130 per month.

When comparing both models combined at a trim-level basis, the lowest-cost model and trim level to buy insurance for is the Ford F150 XL Regular Cab 2WD at an average of $1,490 per year, and the most expensive vehicle to insure is the Ford F150 Lariat Crew Cab Platinum Edition 2WD at an average of $1,854 per year.

The tables shown below break down all the available trims for both 2015 models, plus an average rate for each model.

Additional Ford F150 and Nissan Titan Resources

• Ford F150 Insurance Cost
• Nissan Titan Insurance Cost
• Large Truck Insurance Cost Comparisons