Nissan Titan Insurance Costs for 2025: What You Need to Know

• Nissan Titan insurance costs an average of $2,246 per year or around $187 per month, depending on the trim level.
• For different trim levels, Titan car insurance rates range from $2,028 to $2,584 per year.
• Out of seven vehicles in the large truck segment, the Titan ranks first for insurance affordability.
• Titan insurance cost can vary from as low as $1,746 per year up to $3,262 and more depending on where you live in the U.S.

How much does Nissan Titan insurance cost?

Nissan Titan car insurance costs an average of $2,246 a year, or $187 if paid each month. On average, expect to pay approximately $414 less each year to insure a Titan as compared to the average rate for large trucks, and $30 less per year than the all-vehicle national average of $2,276.

The following chart shows how average Nissan Titan car insurance cost varies based on the age of the rated driver and the policy deductibles.

The previous insurance rate chart plots just a few rate values, and for good reason. If we included every rate for every possible data combination, including every Titan trim level, driver risk, and every zip code in the U.S., the resulting chart would have around 774,144,000,000 possible policy rates.

From a deductible standpoint, the higher the deductible, the lower the policy cost. In the chart above rates range from an average rate for a 20-year-old driver of $4,514 to the average rate for a 60-year-old driver of $1,866.

Teenage drivers would have much higher auto insurance rates. For example, a 16-year-old male driver with a clean driving record would pay around $8,073 while an 18-year-old male would pay about $6,932.

Are cheaper Titan models less expensive to insure?

The cheapest trim level of Nissan Titan to insure is the SV Crew Cab 4WD at around $2,028 per year, or about $169 per month. The second cheapest model is the SV King Cab 4WD at $2,028 per year, and the third cheapest model to insure is the SV Crew Cab Bronze Edition 4WD also at $2,158 per year.

At the upper end of insurance cost, the three highest cost Titan trim levels to insure are the Titan Platinum Reserve Crew Cab 4WD, the SV Crew Cab Bronze Edition 2WD, and the Platinum Reserve Crew Cab 2WD trim levels at around $2,308,  $2,416, and $2,584 per year, respectively.

The rate table below shows average annual, 6-month, and monthly car insurance rates for all the different trim levels available for the 2024 Nissan Titan.

How does Nissan Titan insurance cost compare?

When compared to other full-size trucks, insurance for a Nissan Titan costs $438 less per year than the Ford F150, $530 less than the Ram Truck, $408 less than the Chevrolet Silverado, and $404 less than the GMC Sierra.

The Nissan Titan ranks first out of seven total comparison vehicles in the full-size half-ton truck segment. The Titan costs an estimated $2,246 per year for insurance, while the category average cost is $2,660 annually, a difference of $414 per year.

The chart below shows illustrates where average Titan auto insurance rates fit in when compared to the other full-size half-ton trucks.

Do newer Titan models cost more to insure?

Yes, buying insurance for a 2024 Nissan Titan will cost around $626 more each year when compared to the rates for a 2013 model.

The following data table illustrates average Nissan Titan insurance rates for the 2013 to 2024 model years. Annual insurance rates range from the cheapest price of $1,620 for a 2013 Nissan Titan to the most expensive rate of $2,246 for a 2024 Nissan Titan.

Eventually, as the vehicle gets older vehicle owners should make the decision to remove physical damage coverage from the policy. As vehicles get older and lose value from depreciation, the added cost of full coverage starts to exceed the benefit of having it on the policy.

Eliminating full coverage on an older Nissan Titan could save the average driver around $842 per year, depending on how high the deductibles were and the age of the driver rated on the vehicle.

Nissan Titan insurance rates by location

Depending on where you live, average insurance cost for a Nissan Titan can vary from rates as low as $1,746 per year up to $3,262 and more depending on where you live in the U.S.

The bar chart below visualizes average Nissan Titan insurance rates for the 15 largest metro areas in the U.S. In addition to the chart, you can find a more comprehensive table displaying average annual insurance rates in the top 50 cities.

When analyzing Nissan Titan rates from a state level, states like Ohio ($1,862), Virginia ($1,808), and Iowa ($1,816) tend to have lower insurance rates, while states like Louisiana ($2,520) and Michigan ($2,700) have higher insurance rates for a Titan.

The table below shows the average cost to insure a Titan truck for full coverage in all 50 states.