Nissan Titan Insurance: A Complete Guide

So, where can I get the best coverage for my Nissan Titan?

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Nissan Titan Insurance

The Nissan Titan arguably has the best warranty for a truck of its size, and has impressive powertrain specs. It’s ready to rule the road.

As a Titan driver, you have the opportunity to choose Nissan Titan insurance that works best for your needs. Whether you’re driving to a state park for a hike, or carpooling the neighborhood kids to soccer practice, you should feel confident that your car insurance has your safety, your wallet, and the planet in mind. That’s where Lemonade car insurance comes in.  

We offer Titan drivers super customizable coverage options, great bundles, discounts for things like safe and low-mileage driving, and so much more. Wondering if Lemonade Car is the best auto insurance option for your Nissan Titan? 

And just a quick FYI—Lemonade, Inc. is not affiliated with or endorsed by Nissan Motor Corporation or its subsidiaries.

Where does Lemonade Car offer Nissan Titan insurance?

Lemonade Car is constantly growing and expanding. If you want to see if Lemonade Car is currently available in your state, check here and start a quote (if we haven’t made it to your state yet, you’ll be able to sign up for updates via our waitlist). 

Can I customize insurance coverage for my Nissan Titan?

Yes! Lemonade Car coverage for your Nissan Titan is extremely customizable. Besides needing some bodily injury and property damage liability coverage—which are both required by law to get behind the wheel in almost all cases—you’ll be able to tailor your coverage, limits, deductibles, start date, and more to your needs. 

We offer multiple avenues for our policyholders to customize their car insurance policy with additional coverage—like comprehensive coverage and collision coverage (if you’re confused about those distinctions, we clear it up here). 

Once you have both comprehensive and collision insurance on your policy, you can also include things like temporary transportation coverage and extended glass coverage to help keep you and your Nissan Titan protected.

Want to keep your Titan’s precious cargo protected too? That’s where medical payments coverage (MedPay) can come in handy. MedPay could help pay the medical bills if you, your passenger, or family member got injured in a car accident.

You might be looking for “full coverage” car insurance—which is a term people use to describe a combination of insurance coverages designed to ‘fully’ cover you in the event of an accident. With Lemonade Car, that’s an option. It’s important to understand though that a full coverage policy doesn’t mean you’re covered for everything, nor does it guarantee your claims will be approved. Deductibles will apply for most of these coverages, and you’ll only be covered for the coverages you selected.

Keep in mind: The coverages and minimums that you’re required to drive your Nissan Titan will vary by state, but you’ll probably want more coverage than the bare bones version you’re legally mandated to get. The question of whether or not you need additional coverage depends on you and the amount of financial protection you believe you need.

How can I save money on my Nissan Titan car insurance costs?

There are so many ways you can save on your premium when you drive your Nissan Titan with Lemonade Car. Car insurance rates depend on a lot of factors, with a major point of interest for insurance providers being your car’s make, model, and model year. 

Lemonade’s auto insurance puts an emphasis on your actual driving behavior, driving record, and the number of miles you drive when determining the fairest Nissan Titan insurance rates. You could lower your car insurance premium by driving with the Lemonade app—which gives you the chance to show us how awesome (and safe) of a driver you are, and to potentially get a discount when your policy renews.

We reward low-mileage drivers with savings, and if you need to cover more than one car on your policy, you become eligible for a multi-car discount on your premium. Also, when you bundle your Lemonade Car policy with any of our other insurance products—like renters, homeowners, or pet insurance—we’ll automatically apply a discount. 

Safety features that keep you even more protected on the road—like anti-lock braking systems, alarms, and airbags (or the latest Nissan Intelligent Mobility™ feature)—could also help lower your Nissan insurance costs.

How does Nissan Titan’s safety profile compare to other cars?

A lot of factors determine how safe you are on the road—like traffic conditions, or the weather. But how safe your own vehicle is also makes a major difference. So you might be wondering: How does the Nissan Titan stack up to the competition?

The Insurance Institute for Highway Safety (IIHS) releases vehicle safety ratings each year. They conduct tests like track tests and crash tests, as well as evaluations of headlight systems and child seat attachment hardware on lots of major car makes and models. Then they use the results to determine each car’s crashworthiness (how well a vehicle protects its occupants in a crash) and its crash avoidance and mitigation (technology that can prevent a crash, or lessen its severity). 

Great news… the 2020-2023 Nissan Titan earned top scores on almost all of the IIHS’s crash-test safety categories. In addition, its Automatic Emergency Braking with Pedestrian Detection was rated Superior by the Institute.

Other top performers in the IIHS tests include the Honda Civic, Mazda 3, and Hyundai Tucson. Want to see how Nissan Titan ranked in previous years? Check it out here

At Lemonade Car, the way you drive matters. That’s why we use the Lemonade Safety Score—which pulls together several factors about your driving behavior during every 6-month term. Behaviors like texting and harsh braking will lower your score, while easing in and out of turns or daytime driving (when there isn’t traffic) will improve it. Driving safely with the Lemonade app can lower your insurance premium. 

What additional safety features can a Nissan Titan offer?

Nissan Titans can come equipped with lots of features for your safety and convenience. Depending on which features you select, your 2023 model, whether King Cab or Crew Cab, could include:

  • Nissan Safety Shield™ 360 
  • Intelligent Around View Monitor
  • Automatic Emergency Braking with Pedestrian Detection
  • Rear Cross Traffic Alert
  • Intelligent Forward Collision Warning

Depending on the age and mileage of your Nissan Titan, you may be covered by Nissan for certain upkeep and emergency services on your car.

For example, when you buy a new Nissan Titan you’ll automatically be signed up for the Nissan TITAN Lineup Warranty. With this program, your truck is covered bumper to bumper, for 5 years or 100,000 miles (whichever comes first), making it America’s best truck limited warranty.

In addition, Nissan provides accident assistance for all their vehicles regardless of year or warranty status.

Keep in mind: Warranties typically apply to defects or malfunctions that are the manufacturer’s fault, not things like from a crash or damage from extreme weather—that’s where car insurance comes in—or ordinary wear and tear (which car insurance wouldn’t cover, either).

Are Nissan Titans eco-friendly?

Some bad news for eco-friendly truckers: Nissan does not make a hybrid version of the Titan.

According to the EPA, the 2023 Nissan Titan with 4WD gets 18 MPGs in the city, and 21 on the highway. It consumes about 16 barrels of fuel a year, and you’ll pay about $3,650 in gas costs during that year.

Keep in mind: Until there comes a day when Nissan goes fully carbon-neutral, your Titan will still be powered by fossil fuels—which results in the release of carbon emissions.

That’s why at Lemonade Car we plant trees based on your mileage to help shrink your carbon footprint from driving. We’re also proud to be the first US insurance company to publicly forswear investment in fossil fuels. It’s our small way of making the world a little bit greener, and helping us all breathe a little bit easier. 

Get ready to save Titanically…

So, what’s the best car insurance for your Nissan Titan? Glad you asked. We’re a bit biased, but… when you cover your Nissan Titan with Lemonade Car, you can enjoy great coverage, score savings and discounts, and help make the planet a little greener for generations to come. 

Ready to take Lemonade Car for a spin in your Titan? Click the button below to get your free quote.

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A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage may not be available in all states.


Please note: Lemonade articles and other editorial content are meant for educational purposes only, and should not be relied upon instead of professional legal, insurance or financial advice. The content of these educational articles does not alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. While we regularly review previously published content to ensure it is accurate and up-to-date, there may be instances in which legal conditions or policy details have changed since publication. Any hypothetical examples used in Lemonade editorial content are purely expositional. Hypothetical examples do not alter or bind Lemonade to any application of your insurance policy to the particular facts and circumstances of any actual claim.