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Titan car insurance review

Car insurance for high-risk drivers at an affordable price's rating: 3.5 / 5


  • Get a quote if you’ve been denied coverage elsewhere.
  • Pick something else if want to make claims online.
  • Drivers who need an SR‌-22 can get coverage.


States served 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
Roadside assistance Optional
Accident forgiveness Yes
New car protection No
Pay schedule monthly
Claims methods online
Rideshare coverage No
SR-22 support Yes


  • 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
Anti-theft device discount Yes
Bundling discount Yes
Defensive driving discount Yes
Good student discount Yes
Loyalty discount Yes
Homeowner discount Yes
Military discount Yes
Safety device discount Yes
Special employment discount Yes
Usage-based discount No
Best of 2021
Finder experts pick Titan as a 2021 best brand for car insurance.

How to apply for Titan car insurance

While Titan’s website advertises an online quote tool, it doesn’t actually work. In order to get a quote or apply for coverage, you’ll need to call 1-800-848-2687 or visit a local agent. Here’s what you’ll need to apply:

  • Personal information (name, date of birth, address)
  • Contact information (phone & email)
  • Vehicle information (year, make, model or VIN)
  • Prior insurance information (if applicable)
  • Driver information (license number, years on the road, driving history)
  • Employment history & marital status

What discounts can I get with Titan?

Titan is an affordable auto insurance provider that is best known for its cheap auto insurance policies. Here are some of the discounts available:

  • Multi-vehicle. Get discounted rates when you insure multiple cars with Titan.
  • Accident-free. Get a discount on your premiums when you stay accident-free.
  • Good student. Students who do well in school can get reduced auto insurance premiums.
  • Association membership. Get a discount if you or your spouse is a member of one of Titan’s affiliates.
  • Military Members of the military may qualify for lower car insurance rates.
  • Anti-theft device. Get a discount if your car is equipped with anti-theft technology.
  • Anti-lock brakes (ABS). You may be able to get a discount if your vehicle is equipped with anti-lock brakes.
  • Prior carrier discount. You may be eligible for a discount if you switched to Titan from another auto insurance provider.
  • Homeowner. Get a discount if you are a homeowner.
  • Advance quote. Get a discount for getting a quote at least eight days before your coverage starts.
  • Motor vehicle safety course. Get a discount for taking a refresher course on the rules of the road.
  • Airbag. Get a discount when you insure a vehicle equipped with airbags or other safety features.
  • Farm use discount. Agricultural vehicles may be eligible for discounted auto insurance rates.
  • Electronic funds transfer (EFT). Get a discount for paying your monthly auto insurance bill electronically.
  • Mature driver. You may be eligible for a discount if you are an experienced or mature driver.

What car insurance coverage does Titan offer?

If you’ve gotten a DUI or don’t have the best driving record and are having trouble getting insured, Titan could be your answer. Its parent company, Nationwide, can also support bundling multiple insurance types, such as home and auto.

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.
  • Medical payment coverage. Medical payment coverage can help pay for your medical expenses if you are injured in an accident.
  • 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.
  • SR-22. This certificate of insurability may be required after multiple driving infractions or license suspensions.

What extra benefits and add-ons does Titan offer?

Titan auto insurance was designed to sell nonstandard car insurance for higher-risk drivers. However, it also offers a wide variety of policy options and a number of auto insurance discounts, making it a great option for anyone in its service area.

Beyond Titan’s standard auto insurance lineup, it also offers a number of extended coverage options to provide additional protection.

  • 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.

Titan car insurance reviews and complaints

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 1 out of 5 possible stars with customer reviews and complaints factored in, as of October 2020.

Customers tend to be pretty harsh on Titan and Nationwide as a whole, mostly for issues with customer service. In fact, on the BBB’s website, Nationwide has 99 customer reviews and 117 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.

AM Best financial ratingB++
BBB accreditedNo
BBB ratingA+
Trustpilot scoreNR
Customer reviews verified as of10 August 2021

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Where can I get Titan car insurance?

Titan auto insurance is currently available in these 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

Pros and cons of Titan car insurance

When you’re comparing insurance providers, a few key factors can help you decide on the one that’s right for you.


  • 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.
  • 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.
  • 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.
  • Flexible payments. Titan offers flexible payment plans to help customers find a way to pay for their auto insurance coverage.
  • 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.
  • Lacking online platform. If you need to file a claim or get a quote, 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 its mobile app in 2015, leaving customers to navigate to the company website for bill payments and other account services.
  • No-frills auto insurance. Titan’s auto insurance policies are pretty bare bones and don’t come with extra features that you may find with a larger provider.

How to contact Titan

Titan can only be contacted by phone at 1-800-848-2687.

Frequently asked questions about Titan

Car insurance ratings

★★★★★ — Excellent

★★★★★ — Good

★★★★★ — Average

★★★★★ — Subpar

★★★★★ — Poor

Our insurance team analyzes car insurance providers to help you choose the best car insurance for you.

We rank insurers from one to five stars based on key factors including customer satisfaction, policy options, price, billing, claims, and support. We create these rankings to help you narrow down an insurance provider that best suits your budget and coverage needs.

Learn the details of our methodology and scoring.


Review by

Roslyn McKenna is an insurance expert who's driven to help people get a great deal on insurance to protect their families and finances. Roslyn earned a BA in writing and communications from Maryville College and has written professionally for more than a decade, showing up on Bankrate, MSN and Reader's Digest.

Expert review

Titan offers a range of standard and nonstandard coverage for high-risk drivers who can’t get coverage elsewhere. And if you meet its criteria, you could save with Titan’s long list of auto insurance discounts. But if you’re seeking premium customer care, better online access and additional features, you may be better off seeking coverage elsewhere.

As always, weigh Titan’s options against your priorities and compare with other insurers for the best rates and coverage.

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