Titan car insurance review | finder.com

Titan car insurance review April 2018

Car insurance for high-risk drivers at an affordable price

Titan offers a broad range of individual and commercial auto insurance options, plus discounts for certain qualified drivers.

Name Titan Car Insurance
Description With Titan car insurance, find out what this provider has to offer in terms of discounts, nonstandard offerings, mobile apps and customer service.

  • First accident forgiveness

  • Extensive coverage & add-ons

  • Available in 23 US states


  • Inexpensive policy options
  • Discounts available
  • Nonstandard offerings and high-risk drivers
  • Accident forgiveness
  • Coverage for Mexican travel


  • Poor customer service
  • No online claims reporting
  • Available in 23 states
  • No mobile app

What is Titan Insurance?

Titan is part of the Nationwide Insurance network and operates in 23 states. Based in Ohio, Titan offers both personal and commercial auto insurance, and specializes in providing policies to high-risk drivers having trouble finding coverage with other insurers.

The company operates in the following states.

  • Alabama
  • Arizona
  • California
  • Colorado
  • Delaware
  • Florida
  • Georgia
  • Illinois
  • Indiana
  • Iowa
  • Maryland
  • Mississippi
  • Nevada
  • New Mexico
  • North Carolina
  • Ohio
  • Pennsylvania
  • South Carolina
  • Tennessee
  • Texas
  • Virginia
  • Washington
  • West Virginia

What kinds of insurance does Titan offer?

Titan offers coverage and add-ons to support most kinds of car insurance coverage.

  • Liability protection. Pays when you’re at fault for an accident that results in property damage or bodily harm.
  • Collision and comprehensive damage. Pays for damages to your car if you hit another car or object and damages resulting from fire, flooding, hail, theft or vandalism.
  • Personal injury protection. PIP covers medical bills and indirect expenses resulting from an accident, filling in the gaps between your medical insurance and actual billed costs.
  • Uninsured or underinsured motorists. Pays for, or fills in the gap for damages or injuries to you and your passengers caused by a hit-and-run or accidents with uninsured or underinsured drivers.
  • Extended coverage. This takes care of flatbed towing, roadside assistance, full glass replacement and even spare parts coverage.
  • Towing and roadside assistance. When you’re stuck or stranded, you can get reimbursed for towing or roadside assistance that you pay for out of pocket.
  • Rental car. This coverage option will provide a rental car while your vehicle is being serviced after an accident.
  • Gap coverage. Pays the difference between what you owe and the value of your vehicle if it’s totaled in an accident.
  • Accidental death. Partial coverage in the event of an accidental death caused by an accident.
  • Special equipment coverage. Coverage for after-factory additions to your vehicle like custom stereo systems or car rims.
  • Non-owner. Coverage for drivers that don’t own the car they drive.

Can I get any other kinds of coverage from Titan?

Titan only offers coverage for commercial and personal vehicles. Though it’s parent company, Nationwide offers home, life, renters, condo, event, motorcycle, income property and even dental coverage.

Pros and cons

When you’re comparing insurance providers, a few key factors can help you decide on the one that’s right for you. Certain things may affect you more than others:


  • Inexpensive policy options. Titan’s website claims you can meet the legal minimums for car insurance coverage with as little as one dollar a day.
  • Discounts available. Some of the provider’s discounts include 5% for good students or mature drivers, 5% for having multiple policies, and up to 15% for multi-car policies.
  • Nonstandard offerings. Teen drivers, those with bad driving records or other motorists considered to be high-risk often face some difficulty getting car insurance from more traditional providers.
  • Accident forgiveness. Your premium won’t increase because of one accident.
  • Coverage for Mexican travel. Titan can help you find coverage for your car on your trip to Mexico through IIG.


  • Poor customer service. Across many review sites and platforms, Titan was consistently rated below average for responsiveness and all-around customer service.
  • No online claims reporting. If you need to file a claim, be ready to pick up the phone or go to a Titan or Nationwide office in person.
  • Not available in all US states. Titan’s coverage is limited to about half the states in the US, so if you don’t live in a state on that list, you’ll have to find a different provider.
  • No mobile app. Titan discontinued their mobile app in 2015, leaving customers to navigate to the company website for bill payments and other account services.

What do customers say about Titan?

Since Titan is part of Nationwide Insurance, it doesn’t have its own independent rating from the Better Business Bureau (BBB). Nationwide’s BBB rating is A+ based on factors like transparency, responsiveness, customer complaint resolution and time in business. It also gets a combined BBB score of 3.73 out of 5 possible stars with customer reviews and complaints factored in.

Customers tend to be pretty harsh on Titan and Nationwide as a whole for issues with customer service. In fact, on the BBB’s website, Nationwide has 99 customer reviews and 94 of those are negative — significantly more than the industry average. The most common complaints involved delaying or outright denying claims that customers believe should be covered under a policy.

A note about customer reviews: Consumer ratings and reviews can give valuable insight into what it’s like to deal with a company as a customer, but they rarely tell the whole story. Remember that customers don’t typically rate a product or service unless they want to rant and rave, so take these aggregated scores with a grain of salt.

Bottom line

Titan offers a range of standard and nonstandard coverage for at-risk drivers, and you may find coverage through this provider that you couldn’t find elsewhere. And if you meet its criteria you could save with Titan’s discounts. But, if you’re seeking premium customer care and don’t mind paying a bit extra for it, you may be better off seeking coverage elsewhere.

As always, weigh your options and priorities with what this provider offers, and compare Titan to other insurers with our comprehensive auto insurance guide to make sure you get the best rate and coverage.

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