- Nissan Titan XD car insurance rates average $1,714 per year (about $143 per month) for full coverage, depending on driver age.
- The cheapest Titan XD model to insure is the S Crew Cab 4WD trim at an estimated $1,626 per year.
- The Titan XD Platinum Reserve Crew Cab 4WD is the most expensive to insure at $1,810 per year.
- When compared to other heavy duty trucks, the Nissan Titan XD is one of the cheaper heavy duty trucks to insure, costing $104 less per year on average.
How much does Nissan Titan XD insurance cost?
Nissan Titan XD insurance averages around $1,714 annually, or around $143 on a monthly basis. On average, expect to pay around $104 less each year to insure a Nissan Titan XD as compared to the average rate for heavy duty trucks, and $147 more per year than the all-vehicle national average of $1,567.
The rate summary chart below details how Titan XD auto insurance rates can be different with changes in the rated driver age and the deductibles for comprehensive and collision coverage.
The data below details average Nissan Titan XD insurance policy costs from the 2016 to the 2022 model years and for different driver ages.
| Model Year | Driver Age 20 | Age 30 | Age 40 | Age 50 | Age 60 |
|---|---|---|---|---|---|
| 2022 | $3,420 | $1,798 | $1,714 | $1,562 | $1,536 |
| 2021 | $3,360 | $1,752 | $1,674 | $1,528 | $1,502 |
| 2020 | $3,304 | $1,724 | $1,644 | $1,500 | $1,476 |
| 2019 | $3,268 | $1,698 | $1,624 | $1,484 | $1,460 |
| 2018 | $3,254 | $1,690 | $1,618 | $1,478 | $1,454 |
| 2017 | $3,062 | $1,594 | $1,526 | $1,392 | $1,370 |
| 2016 | $2,932 | $1,534 | $1,456 | $1,330 | $1,310 |
The rate table below displays the estimated annual and 6-month policy costs, plus a monthly amount for budgeting, for each 2022 Nissan Titan XD model package and trim level.
| Nissan Titan XD Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| S Crew Cab 4WD | $1,626 | $813 | $136 |
| SV Crew Cab 4WD | $1,676 | $838 | $140 |
| PRO-4X Crew Cab 4WD | $1,740 | $870 | $145 |
| Platinum Reserve Crew Cab 4WD | $1,810 | $905 | $151 |
How do Titan XD insurance rates compare?
When compared to other heavy duty trucks, average insurance prices for a Nissan Titan XD cost $108 less per year than the Chevrolet Silverado HD 2500, $170 less than the Ram Truck 2500, and $80 less than the GMC Sierra 3500.
The Nissan Titan XD ranks #3 out of 10 total comparison vehicles in the 2022 model year heavy duty truck category for auto insurance affordability. The Titan XD costs an average of $1,714 per year to insure for full coverage and the class average cost is $1,818 annually, a difference of $104 per year.
The next table shows how average Nissan Titan XD car insurance rates compare to the rest of the heavy-duty truck segment.
| Rank | Make/Model | Insurance Cost | Difference |
|---|---|---|---|
| 1 | Ford F350 Super Duty | $1,656 | -$58 |
| 2 | Chevrolet Silverado HD 3500 | $1,666 | -$48 |
| 3 | Nissan Titan XD | $1,714 | -- |
| 4 | GMC Sierra 2500 HD | $1,780 | $66 |
| 5 | GMC Sierra 3500 | $1,794 | $80 |
| 6 | Ford F250 Super Duty | $1,814 | $100 |
| 7 | Chevrolet Silverado HD 2500 | $1,822 | $108 |
| 8 | Ram Truck 2500 | $1,884 | $170 |
| 9 | Ford F450 Super Duty | $2,004 | $290 |
| 10 | Ram Truck 3500 | $2,050 | $336 |
Additional rates and observations
With car insurance rates having so many variables that determine cost, it’s difficult to present all possible scenarios that can affect the rate you’ll pay. The list below contains some additional situations that could impact your rates, plus some ways to potentially cut the cost.
- Insurance for teenage drivers is expensive. Average rates for full coverage Titan XD insurance costs $6,246 per year for a 16-year-old driver, $5,820 per year for a 17-year-old driver, $5,428 per year for a 18-year-old driver, and $4,896 per year for a 19-year-old driver.
- High-risk drivers pay a lot more for insurance. For a 40-year-old driver, having a high frequency of accidents or violations can potentially increase rates by $2,080 or more per year.
- As you get older, Nissan Titan XD car insurance rates tend to be cheaper. The difference in insurance cost for a Nissan Titan XD between a 60-year-old driver ($1,536 per year) and a 20-year-old driver ($3,420 per year) is $1,884, or a savings of 55.1%.
- Cheaper rates come with better credit scores. Having a high credit score of 800+ could save around $269 per year when compared to a credit rating between 670-739. Conversely, a weaker credit score below 579 could cost as much as $312 more per year.
- Get better rates due to your employment. The vast majority of insurance companies offer discounts for working in professions like architects, emergency medical technicians, scientists, dentists, accountants, firefighters, and others. If you can get this discount applied to your policy, you could save between $51 and $159 on your annual insurance bill, depending on the policy coverages.
- Research discounts to lower the cost. Discounts may be available if the insureds take a defensive driving course, insure their home and car with the same company, choose electronic billing, are military or federal employees, drive low annual mileage, or many other discounts which could save the average driver as much as $292 per year.
- Safer drivers pay lower rates. Having at-fault accidents will cost you more, possibly as much as $2,420 per year for a 20-year-old driver and as much as $534 per year for a 60-year-old driver.
