Nissan Titan XD Insurance Rates – 2023 Cost + Comparisons

Is Nissan Titan XD insurance expensive?

From the S Crew Cab 4WD model to the Platinum Reserve Crew Cab 4WD trim level, we evaluated insurance rates for the Titan XD to discover how rate quotes rank when compared to the entire 2023 heavy duty truck segment.

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  • 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.

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Chart Data Details: Chart shows average insurance cost for a 2023 Nissan Titan XD with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Nissan Titan XD trim levels.Data last updated on December 30, 2022
Nissan Titan XD Car Insurance Rates
2023 Nissan Titan XD Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$3,316$276
$500$3,942$329
$250$4,604$384
30$1,000$1,734$145
$500$2,082$174
$250$2,444$204
40$1,000$1,654$138
$500$1,970$164
$250$2,302$192
50$1,000$1,510$126
$500$1,794$150
$250$2,094$175
60$1,000$1,482$124
$500$1,762$147
$250$2,056$171

The data below details average Nissan Titan XD insurance policy costs from the 2016 to the 2023 model years and for different driver ages.

Nissan Titan XD Insurance Cost by Model Year
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

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Table Data Details: Average rates for each driver age group are for a 12-month period and assume a clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on December 30, 2022
Nissan Titan XD Insurance Cost by Model Year

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.

2023 Nissan Titan XD Insurance Cost by 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

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 Nissan Titan XD, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 5, 2023
Nissan Titan XD Insurance Cost by Trim Level

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.

Insurance Cost Comparison: Nissan Titan XD vs Heavy Duty Trucks
Rank Make/Model Insurance Cost Difference
1GMC Sierra 2500 HD$1,804-$166
2GMC Sierra 3500$1,866-$104
3Chevrolet Silverado HD 2500$1,936-$34
4Chevrolet Silverado HD 3500$1,940-$30
5Nissan Titan XD$1,970--
6Ram Truck 2500$2,002$32
7Ford F350 Super Duty$2,108$138
8Ford F250 Super Duty$2,132$162
9Ram Truck 3500$2,158$188
10Ford F450 Super Duty$2,358$388

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are based on the 2023 model year, with the rated driver being a 40-year-old married male with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to rates, which are averaged for all vehicle trim levels. Full-coverage physical damage deductibles are $500 and rates are also averaged for all U.S. states.Data last updated on December 29, 2022
Insurance Cost Comparison: Nissan Titan XD vs Heavy Duty Trucks

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.