If you’re thinking about buying a Nissan Titan, you might be wondering about the insurance costs for this full-sized pickup truck. Learning about the types of insurance you can buy and the factors that influence your insurance costs can help you make the right choice to protect your investment. Keep reading to find out about insurance options and costs for a Nissan Titan.
How Much Does Nissan Titan Insurance Cost?
On average, Nissan Titan car insurance costs $1,598 per year, according to Insuraviz. That’s about $133 per month, which is about average for vehicles in the large truck category. Drivers who own older Nissan Titans might choose to eliminate full coverage on their trucks and switch to a liability-only plan, which costs an average of $994 per year.
What Affects the Insurance Cost for a Nissan Titan?
There are a wide range of factors that might affect your insurance costs, including:
- Driver demographics: Insurance companies usually have different rates for drivers depending on their age and gender. These rates reflect the statistical likelihood that a driver might be involved in an accident. For example, teen drivers usually have higher insurance rates than middle-aged adults because new drivers are at a higher risk of an accident.
- Driving history: Multiple speeding tickets or more serious driving violations, like DUIs or at-fault accidents, can increase your insurance rates. Sometimes, insurance companies have programs where drivers can lower their rates by maintaining a clean record for a certain number of years.
- State requirements: Every state has unique liability requirements for licensed drivers, which guarantee a certain amount of coverage in case of an accident. Insurance company executives use these laws to design the different tiers of coverage they offer drivers in that state.
- Location: Different regions in the same state might have varying insurance costs that reflect the risk of an accident in these areas. For example, drivers who live in urban or suburban areas with lots of traffic might have higher insurance premiums than those who live in rural areas.
- Titan model year and trim: Newer car models often have more expensive insurance rates because they have a higher risk of theft. If you have a higher-trim Titan, like the Pro-4X or Platinum Reserve, your rates might also be higher because these trucks are rarer and more expensive than the baseline model.
- Policy type: Insurance companies typically offer several levels of coverage beyond the minimum required liability in each state. If you choose a more comprehensive policy, you’ll pay more per month. However, these higher policies can save you money in case of an accident.
- Policy add-ons: At most insurance companies, you can get additional coverage types added to your plan for an extra monthly fee. You might choose to add coverage for specific threats, like weather hazards or theft. The add-ons you choose might depend on your location or what you plan to do with your Titan.
How To Pick an Insurance Plan for a Nissan Titan
Follow these steps to choose an ideal insurance plan for your budget and lifestyle:
1. Choose a Coverage Level
There are three general types of insurance for personal vehicles, and most insurance plans combine two or more types of insurance to meet the policyholder’s needs. Here are the three main insurance types:
- Liability insurance: This is the only type of insurance required by law. Having liability insurance means that if you’re involved in an accident and it’s your fault, the insurance company provides money to pay for medical bills and property damage to the other party. Each state has its own minimum requirement for liability insurance, but many drivers choose plans with additional liability coverage to reduce any out-of-pocket expenses after a wreck.
- Collision coverage: Collision coverage helps you repair or replace your car after an accident, no matter who is at fault. Usually, the at-fault driver’s liability pays a certain amount toward repairs, and collision coverage can cover the rest. Many insurance policies combine liability with some collision coverage.
- Comprehensive coverage: Comprehensive coverage provides funds for damages that aren’t related to an accident. Some drivers choose a high-coverage plan that includes theft, fire, and weather damage, while others choose the specific policy add-ons that meet their needs.
2. Collect Insurance Quotes
Third-party sources can give you average cost estimates for insuring your Nissan Titan. However, the best way to find out about insurance costs is to get a quote from a specific company, like GEICO or Nationwide. When you call an insurance company, you might speak with a representative who uses information about your age, location, and driving history to generate a quote for your Titan. Contact several companies to get a range of quotes.
3. Ask About Discounts
Many insurance companies offer special programs and discounts for policyholders who meet certain criteria. For example, GEICO has discounts for people who work for the government, while USAA only sells insurance to people with military connections, like veterans, active service members, or military spouses and children. When you speak with sales representatives from different insurance companies, ask them what discounts and special programs their company offers to see if you qualify for a lower rate.
4. Compare Costs and Features
Once you’ve gotten quotes from a few insurance companies, you can compare the costs and benefits of your different options. While it’s tempting to choose the cheapest option, it’s important to consider how each insurance plan’s features fit your lifestyle. For example, if you plan to use your Nissan Titan for lots of long road trips, then choosing a plan with roadside assistance might be a smart move.
Your insurance rates can change even after you’ve chosen a policy. While accidents and speeding tickets can increase your payments, maintaining a clean driving record can lower costs, especially if you stay with the same company for several years. After you’ve been with your company for a year, contact your customer service representative to ask if they have loyalty or safe driving discounts.
At FIXD, our mission is to make car ownership as simple, easy, and affordable as possible. Our research team utilizes the latest automotive data and insights to create tools and resources that help drivers get peace of mind and save money over the life of their car.