- Nissan Titan XD car insurance rates average $1,970 per year (about $164 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 $1,862 per year.
- The Titan XD Platinum Reserve Crew Cab 4WD is the most expensive to insure at $2,090 per year.
- When compared to other heavy duty trucks, the Nissan Titan XD is one of the cheaper heavy duty trucks to insure, costing $57 less per year on average.
How much does Nissan Titan XD insurance cost?
Nissan Titan XD insurance averages around $1,970 annually, or around $164 on a monthly basis. On average, expect to pay around $57 less each year to insure a Nissan Titan XD as compared to the average rate for heavy duty trucks, and $285 more per year than the all-vehicle national average of $1,685.
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 2023 model years and for different driver ages.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2023 Nissan Titan XD | $3,942 | $1,970 | $1,762 |
| 2022 Nissan Titan XD | $3,720 | $1,858 | $1,666 |
| 2021 Nissan Titan XD | $3,676 | $1,830 | $1,642 |
| 2020 Nissan Titan XD | $3,634 | $1,808 | $1,622 |
| 2019 Nissan Titan XD | $3,550 | $1,766 | $1,584 |
| 2018 Nissan Titan XD | $3,536 | $1,756 | $1,582 |
| 2017 Nissan Titan XD | $3,274 | $1,630 | $1,464 |
| 2016 Nissan Titan XD | $3,148 | $1,566 | $1,406 |
The rate table below displays the estimated annual and 6-month policy costs, plus a monthly amount for budgeting, for each 2023 Nissan Titan XD model package and trim level.
| Nissan Titan XD Trim Level | Annual Policy | Six-Month Policy | Per Month |
|---|---|---|---|
| S Crew Cab 4WD | $1,862 | $931 | $155 |
| SV Crew Cab 4WD | $1,922 | $961 | $160 |
| PRO-4X Crew Cab 4WD | $2,006 | $1,003 | $167 |
| Platinum Reserve Crew Cab 4WD | $2,090 | $1,045 | $174 |
How do Titan XD insurance rates compare?
When compared to other heavy duty trucks, average insurance prices for a Nissan Titan XD cost $34 more per year than the Chevrolet Silverado HD 2500, $32 less than the Ram Truck 2500, and $104 more than the GMC Sierra 3500.
The Nissan Titan XD ranks fifth out of 10 total comparison vehicles in the 2023 model year heavy duty truck category for auto insurance affordability. The Titan XD costs an average of $1,970 per year to insure for full coverage and the class average cost is $2,027 annually, a difference of $57 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 | GMC Sierra 2500 HD | $1,804 | -$166 |
| 2 | GMC Sierra 3500 | $1,866 | -$104 |
| 3 | Chevrolet Silverado HD 2500 | $1,936 | -$34 |
| 4 | Chevrolet Silverado HD 3500 | $1,940 | -$30 |
| 5 | Nissan Titan XD | $1,970 | -- |
| 6 | Ram Truck 2500 | $2,002 | $32 |
| 7 | Ford F350 Super Duty | $2,108 | $138 |
| 8 | Ford F250 Super Duty | $2,132 | $162 |
| 9 | Ram Truck 3500 | $2,158 | $188 |
| 10 | Ford F450 Super Duty | $2,358 | $388 |
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 $7,052 per year for a 16-year-old driver, $6,616 per year for a 17-year-old driver, $6,186 per year for an 18-year-old driver, and $5,610 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 $2,388 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 ($1,762 per year) and a 20-year-old driver ($3,942 per year) is $2,180, or a savings of 55.3%.
- Cheaper rates come with better credit scores. Having a high credit score of 800+ could save around $309 per year when compared to a credit rating between 670-739. Conversely, a weaker credit score below 579 could cost as much as $359 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 $59 and $178 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 $336 per year.
- Safer drivers pay lower rates. Having at-fault accidents will cost you more, possibly as much as $2,784 per year for a 20-year-old driver and as much as $606 per year for a 60-year-old driver.
