Is Insurance Cheaper for a Ford F150 or Nissan Titan?

• At an annual average cost of $2,124 per year, a 2024 Nissan Titan costs less to insure than a 2024 Ford F150 by $348 per year.
• Average monthly car insurance rates for the Ford F150 is 17.8% more expensive than the Nissan Titan, at $177 compared to $148, a difference of $29.
• 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 $1,883 per year, the Ford F150 costs an average of $241 more per year, while the Nissan Titan costs $107 less per year.

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

Insurance on a 2024 Ford F150 costs an average of $2,124 per year, whereas insurance for a 2024 Nissan Titan costs an average of $1,776 per year, making the Nissan Titan the cheaper of the two models by $348 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 $1,784 per year, or $149 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 $1,602 per year, or around $134 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 $1,602 per year. The most expensive model and trim level is the Ford F150 Lightning Platinum Black Special Edition costing $2,470 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 $1,880 to $4,294 per year for a 2024 Ford F150, and $1,578 to $3,572 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 $1,876 per year, while insurance for a Nissan Titan costs an average of $1,824 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 $1,608 per year, or around $134 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 $1,704.

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 $1,608 per year. The highest-cost model and trim level is the Ford F150 Lightning Platinum at a cost of $2,072 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 ($1,672 vs. Nissan Titan at $1,826)
• Cheapest 2021 Model – Ford F150 ($1,690 vs. Nissan Titan at $1,802)
• Cheapest 2020 Model – Ford F150 ($1,642 vs. Nissan Titan at $1,750)
• Cheapest 2019 Model – Ford F150 ($1,542 vs. Nissan Titan at $1,698)
• Cheapest 2018 Model – Ford F150 ($1,456 vs. Nissan Titan at $1,586)
• Cheapest 2017 Model – Ford F150 ($1,398 vs. Nissan Titan at $1,530)
• Cheapest 2016 Model – Ford F150 ($1,336 vs. Nissan Titan at $1,412)
• Cheapest 2015 Model – Ford F150 ($1,342 vs. Nissan Titan at $1,350)

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 $1,662 to $3,748 per year for the illustrated age groups. A 2023 Nissan Titan costs from $1,620 to $3,676 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 $1,672 per year, and insurance for the Nissan Titan costs an average of $1,826 per year.

2022 Ford F150 insurance rates range from the lowest full-coverage average rate of $1,444 per year for the XL Regular Cab 4WD model up to $1,904 for the Limited SuperCrew model.

For the 2022 Nissan Titan, rates range from $1,726 per year on the S King Cab 4WD model up to $1,998 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 $1,444 per year, and the most expensive vehicle to insure is the Nissan Titan Platinum Reserve Crew Cab 2WD at an average of $1,998 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 $1,490 to $3,360 per year for the example age groups. Full-coverage insurance on a 2022 Nissan Titan ranges from $1,622 to $3,690 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 $1,444 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 $1,726.

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 $1,444 per year. The highest-cost model and trim is the Nissan Titan Platinum Reserve Crew Cab 2WD costing $1,998 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 $1,690 per year to insure and a Nissan Titan costs $1,802, making the Ford F150 cheaper to insure by $112 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 $1,502 to $3,432 per year for a 2021 Ford F150, and $1,602 to $3,666 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 $1,506 per year, or around $126 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 $1,670.

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 $1,506 per year. The most expensive model and trim level is the Ford F150 Limited Super Cab 2WD at an average cost of $2,000 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 $1,642 per year to insure and the Nissan Titan costs $1,750, making the Ford F150 the model with cheaper insurance by $108 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 $1,460 to $3,330 per year for a 2020 Ford F150, and $1,554 to $3,560 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 $1,462 per year, or around $122 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 $1,624 per year, or around $135 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 $1,462 per year. The highest-cost model and trim level is the Ford F150 Limited Super Cab 2WD costing an average of $1,940 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 $156 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 $1,374 to $3,136 per year for the different drivers illustrated in the chart. Auto insurance for a 2019 Nissan Titan costs from $1,508 to $3,460 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 $1,322 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 $1,578 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 $1,322 per year. The most expensive model and trim level is the Nissan Titan Platinum Crew Cab 4WD at a cost of $1,850 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 $130 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 $1,298 to $2,956 per year for a 2018 Ford F150, and $1,410 to $3,218 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 $1,266 per year, or $106 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 $1,480 per year, or around $123 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 $1,266 per year. The most expensive model and trim level is the Nissan Titan Platinum Crew Cab 4WD costing an average of $1,768 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 $132 less per year to insure per year on average than a 2017 Nissan Titan, a difference of 9%.

The chart shown below visualizes the average car insurance cost for both models with different ages of drivers. Insurance cost ranges from $1,246 to $2,834 per year for a 2017 Ford F150, and $1,364 to $3,104 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 $1,220 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 $1,426.

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 $1,220 per year. The most expensive vehicle to insure is the Nissan Titan Platinum Crew Cab 4WD costing $1,700 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 $76 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 $1,190 to $2,708 per year on a 2016 Ford F150, and $1,266 to $2,852 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 $1,182 per year, or around $99 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 $1,296 per year, or about $108 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 $1,182 per year, and the most expensive trim is the Ford F150 Limited Crew Cab 2WD costing $1,522 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 $8 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 $1,198 to $2,728 per year for a 2015 Ford F150, and $1,212 to $2,726 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 $1,178 per year, or $98 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 $1,238 per year, or $103 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 $1,178 per year, and the most expensive vehicle to insure is the Ford F150 Lariat Crew Cab Platinum Edition 2WD at an average of $1,468 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