Titan Auto Insurance Review [2024]

Unveil the coverage for high-risk drivers in 24 states, Titan Insurance provides diverse auto options with potential affordability through combined discounts, despite notable customer complaints

UPDATED: Feb 1, 2024Fact Checked

Merriya Valleri

Insurance and Finance Writer

Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...

Insurance and Finance Writer

Heidi Mertlich

Licensed Insurance Agent

Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...

Licensed Insurance Agent

UPDATED: Feb 1, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Feb 1, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Feb 1, 2024Fact Checked
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Titan Insurance

Average monthly rate for good drivers:

N/A

A.M. Best rating:

A

Complaint level:

Low

Pros

  • Competitive rates for high-risk drivers
  • Coverage options for high-risk drivers, including SR-22 forms
  • Rated well by A.M. Best for financial strength
  • Offers various discounts to help lower premiums
  • Convenient online claim filing and customer portal

Cons

  • High number of complaints reported
  • Complaint index ratio higher than similarly-sized competitors
  • Limited availability in 24 states

Final Verdict: Review of Titan Insurance

Titan Insurance is the company emerges as a specialized provider catering to high-risk drivers in 24 states. Despite garnering customer complaints, its positive A.M. Best rating underscores financial stability and the ability to meet obligations. Titan’s affiliation with Nationwide Insurance lends additional credibility, backed by Nationwide’s robust financial ratings.

The review delves into coverage options, emphasizing the company’s commitment to tailoring policies for high-risk individuals and offering non-standard insurance. While acknowledging customer concerns, the article provides insights into the company’s transparency and business practices, highlighting the significance of Nationwide’s financial backing.

With a focus on affordability through combined discounts, the article aims to equip readers with a nuanced understanding of Titan Insurance, empowering them to make informed decisions based on their unique insurance needs.

[su_box title="The Lowdown" style="default"]
  • Titan Insurance provides coverage for high-risk drivers
  • Titan Insurance is a subsidiary of Nationwide Insurance
  • Titan Insurance has been rated an A by A.M. Best
[/su_box] Titan Insurance provides auto insurance to high-risk drivers in 24 states. The company has competitive rates, but customers can lower costs by combining discounts. Additionally, while the company has several complaints, it’s been rated well by A.M. Best. Knowing more about Titan Insurance will help you determine if the company is a good fit. Before jumping into this Titan Insurance review, enter your ZIP code to get free auto insurance quotes in your area.

What You Should Know About Titan Insurance Company

Credit rating agencies grade auto insurance companies on financial strength. These ratings help customers determine the likelihood of receiving a payout when they file a claim.

Titan Insurance has been rated an A by A.M. Best. This rating is excellent and near the top of the agency’s scale, indicating that customers can expect a payout whenever they file a claim.

While Titan sells insurance on its own, the company is a subsidiary of Nationwide Insurance. The parent company has been rated an A+ by A.M. Best, an A by S&P, and an A1 by Moody’s. These are among the best financial ratings in the industry.

Nationwide’s ratings are significant because Titan receives financial backing from the company. Therefore, these ratings show that Titan customers will receive a payout for any reasonable claim.

What is the Titan Insurance history?

Titan Insurance began in 1991 as a part of Nationwide Insurance. Headquartered in Troy, Michigan, the company’s purpose is to provide coverage for high-risk drivers. Today, the company offers personal and commercial policies to drivers in 24 states.

Titan Insurance continues to focus on auto insurance. However, Nationwide and its other subsidiaries provide other types of insurance, like home insurance and renters insurance.

Titan Insurance Company Insurance Coverage Options

While the cost of a policy is a critical factor, customers must also consider the available coverage options. Each state requires a certain amount of insurance, which is usually liability. However, adding more coverage will prepare you for any situation.

Titan Insurance provides the most common auto insurance coverages. The following table shows the primary types of coverage offered by the company and what each one covers.

Titan Insurance Auto Coverages
Auto Insurance TypesPurpose of Coverage
Bodily injury liabilityPays for medical bills if someone else suffers an injury in an accident caused by you.
Property damage liabilityLiability coverage that covers the cost of any property damage you’ve caused in an accident.
CollisionCovers damage to your car after an accident.
ComprehensiveCovers damage to your car when you’re not driving.
Personal injury protectionCovers medical expenses for you and your passengers after an accident.
Uninsured/underinsured motoristCovers the costs if you’re in an accident caused by a driver with little or no car insurance.
Medical paymentsCovers medical costs caused by an accident regardless of who is at fault.

In addition to the typical coverages, Titan Insurance provides non-standard insurance. This type of coverage is for high-risk drivers, resulting in higher rates or the denial of coverage.

If drivers have their driving privileges revoked due to violations, they might require an SR-22 form to reinstate their license. This form proves that the driver has the minimum necessary insurance to operate a vehicle in that state.

Some companies won’t cover a driver requiring an SR-22 form because they’re often the highest-risk drivers. However, Titan Insurance provides coverage for these drivers and will help those requiring SR-22 forms obtain the necessary insurance.

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Titan Insurance Company Insurance Rates Breakdown

Driver ProfileTitanNational Average
Clean Record$100$119
1+ Ticket$130$147
1+ Accident$150$173
DUI$200$209
Poor Credit$172$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver




There are various things to consider when choosing a car insurance company. A significant factor for most customers is price. Comparing affordable Titan auto insurance rates with other companies is a good way of determining the most cost-effective option.

The following chart compares the average monthly Titan Insurance rates for different driver profiles with Geico and Allstate, two popular auto insurance companies.

Titan Insurance Average Annual Monthly Car Insurance Rates vs. GEICO and Allstate by Driving Profile
Driver ProfileAverage Monthly Titan auto insurance RatesAverage Monthly Geico auto insurance ratesAverage Monthly Allstate auto insurance rates
Single female, 25 years old$678$699$752
Single male, 30 years old$592$582$628
Married couple$1,067$993$1,171
Senior married couple$779$675$696

As you can see, Titan has the lowest rates for 25-year-old female drivers. In addition, the company has the second-lowest rates for 30-year-old males and young married couples. However, the company has the highest rates for senior married couples.

These comparisons show that young single females will find Titan Insurance the cheapest option. Geico is more affordable for young single males and young married couples, but the difference is minimal. Additionally, Titan has a more significant increase as drivers age.

While the average cost of coverage is an excellent way to compare companies, every driver is different. Therefore, companies consider various factors when determining rates and the cheapest option depends on your specific circumstances.

Read more: Auto Insurance for Couples: Does having multiple drivers save you money?

Titan Insurance Company Discounts Available

DiscountTitan
Anti Theft4%
Good Student20%
Low Mileage3%
Paperless14%
Safe Driver25%
Senior Driver1%

Car insurance might be significantly high depending on your age, gender, and driving habits. Fortunately, most auto insurance companies provide various discounts to lower your rates. Combining multiple deals will help you find the best price for coverage.

The discounts offered by car insurance companies depend on various aspects, including your vehicle, schooling, driving record, and lifestyle. The following table shows the Titan auto insurance company discounts.

Titan Insurance Auto Discounts
Car DiscountDiscount Eligibility
Accident-freeDrivers with no accidents in the past three to five years.
AirbagCars with factory-installed air bags.
Anti-lock brakesCars with factory-installed anti-lock brakes.
Anti-theftCars include anti-theft devices, like alarms, tracking systems, and kill switches.
Good studentHigh school or college students with at least a 3.0 grade point average.
Mature driverDrivers over 55 that have completed a mature driver accident prevention course.
MilitaryDriver is a current or former member of the military.
Multi-carInsure more than one car on a single auto insurance policy.
Safety courseCompleted approved defensive driving course.

When inquiring about Titan auto insurance quotes, asking about available discounts will allow you to get a more accurate price. The company might also offer advice on becoming eligible for more savings after you buy Titan auto insurance.

Does Titan Insurance have any complaints?

The Better Business Bureau (BBB) and the National Association of Insurance Commissioners (NAIC) examine complaints made about insurance companies. Both organizations have reviewed Titan Insurance.

At the time of this review, the BBB has received 216 complaints about Titan Insurance during the past three years. Nevertheless, Titan has an A+ rating from the BBB despite the significant number of complaints, indicating that the company is transparent and has solid business practices.

According to the NAIC, Titan Insurance has a complaint index ratio of 4.33. This number indicates that the company has far more complaints than similarly-sized competitors.

While Titan Insurance has more complaints than many competitors, every situation is distinct. Therefore, examining the different complaints will allow you to determine if they should be a concern.

How can you file Titan Insurance claims?

Titan Insurance customers can file claims online or by phone. Customers must log in to the site using their designated login information to file a claim online. Accessing the customer portal allows policyholders to:

  • Make payments
  • View account information
  • View an electronic insurance ID card
  • Report a claim
  • Find an agent
  • Make a claim

Additionally, the company provides a mobile app for all mobile devices. The app allows customers to access the same information and complete the same tasks as the website.

For customers who prefer to speak with a representative, you can file a claim by calling the Titan auto insurance phone number at 1-800-926-3168.

How Titan Insurance Company Ranks Among Providers

When evaluating Titan Insurance Company among auto insurance providers, several key factors come into play.

  • A.M. Best Rating: Titan Insurance has earned a favorable rating of “A” from A.M. Best, indicating a high level of financial stability and the ability to meet its financial obligations. This places Titan among the insurers with a strong standing in the industry.
  • Customer Complaints: While Titan Insurance has garnered a notable number of customer complaints, particularly 216 reported to the Better Business Bureau (BBB) within the past three years, it is important to note that the company maintains an impressive A+ rating from the BBB. This suggests that, despite the volume of complaints, Titan is transparent and maintains solid business practices.
  • Parent Company Backing: As a subsidiary of Nationwide Insurance, Titan benefits from the financial strength of its parent company. Nationwide Insurance holds high ratings from A.M. Best, S&P, and Moody’s, affirming its robust financial standing. This financial backing enhances the confidence that Titan customers can rely on the company for consistent and reliable payouts.
  • Specialization in High-Risk Drivers: Titan Insurance positions itself as a provider specializing in coverage for high-risk drivers. This niche focus allows the company to cater to the unique needs of this demographic, offering policies and options that may not be as readily available from other insurers.
  • Coverage Options: Titan Insurance provides a comprehensive range of coverage options, catering to the needs of high-risk drivers. In addition to standard coverages, the company offers non-standard insurance, recognizing the distinct requirements of high-risk individuals. This flexibility in coverage is a distinguishing feature that may appeal to drivers facing challenges in obtaining insurance elsewhere.

While Titan Insurance has its share of customer complaints, its positive A.M. Best rating, strong backing from Nationwide Insurance, specialization in high-risk drivers, and diverse coverage options contribute to its notable position among auto insurance providers. Prospective policyholders should carefully consider their individual needs and priorities when assessing Titan Insurance for their coverage requirements.

Frequently Asked Questions

What types of coverage does Titan Insurance provide for high-risk drivers?

Titan Insurance offers a range of auto coverage options tailored for high-risk drivers, including the most common types of coverage and specialized options for non-standard insurance needs.

How can I lower the costs of Titan auto insurance?

Customers can potentially reduce their Titan auto insurance costs by taking advantage of combined discounts offered by the company. These discounts allow policyholders to customize their coverage for increased affordability.

Despite customer complaints, why does Titan Insurance receive a positive rating from A.M. Best?

A.M. Best, a reputable credit rating agency, rates Titan Insurance positively, indicating a high level of financial strength and the ability to fulfill claims. This positive rating reflects the company’s stability, even in the face of customer complaints.

What is the significance of Nationwide Insurance’s ratings in relation to Titan Insurance?

Titan Insurance is a subsidiary of Nationwide Insurance, and the parent company’s high ratings by A.M. Best, S&P, and Moody’s showcase strong financial backing. This backing ensures Titan customers can expect reliable payouts for reasonable claims.

How can I file a claim with Titan Insurance, and what options are available?

Titan Insurance provides multiple avenues for filing claims. Customers can file claims online through the customer portal, accessible with login information, or by calling the Titan auto insurance phone number at 1-800-926-3168.

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Merriya Valleri

Insurance and Finance Writer

Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...

Insurance and Finance Writer

Heidi Mertlich

Licensed Insurance Agent

Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for Titan Insurance Company

4.44 (9 reviews)
3
August 23, 2018

tsirhcretlop

Nice auto policy

Good company if you had any troubles with record. I think it was bought or transformed into esurance.
4
April 18, 2018

tabawilliams

Great agent makes great insurance

Best. Coverage went up, cost went down. To be fair, my agent made the experience GREAT. Always available or quickly responsive.
5
August 25, 2017

Nenaa106

Basic insurance

I bought a basic broadform insurance just to get by. The insurance was pretty great and worth to have. 
4.5
August 10, 2017

vinnyjoe

EXCELLENT CUSTOMER SERVICE BY [REDACTED NAME]

Never in all my years of dealing with customer service representatives on the phone has this little lady been the most friendliest down to earth, helpful, informative, and gave me several different options when it came to insuring me to drive anybodies car. If your looking for a quote or auto insurance call [REDACTED NAME] simply the best..
5
June 11, 2017

degan

Incredible Service

We had added our youngest boy to our insurance when he bought his new truck at 22 years old. Exactly 2 months later to the day he totaled the truck in an accident after he had been drinking at the bar. We did not expect the insurance to cover the accident but they did. They gave us full blue book value of the truck, which paid off the credit union and left the boy with a couple thousand extra. Great company.
5
June 6, 2017

Diane1221

Great customer service

Every on the phone experience has been with a friendly and helpful person. My needs are always met and promptly.
5
June 6, 2017

Saradiane

Wonderful

Very inexpensive, costumer service has always been nice am and helpful. I have been with them for 4years and over all completely satisfied. I will not change insurance providers.
4
May 15, 2017

Clearsurance-user

Personal Vehicle Insurance Review

The financial liability guarantees do not insure the vehicles, which implies that if a driver other than the one mentioned in the guarantee causes an accident, that driver is not protected. The bonds also do not pay damages or medical expenses for drivers or passengers of the first part.Products and discounts not available to all people in all states. The products, coverage, discounts, insurance terms and other descriptions are for informational ...
The financial liability guarantees do not insure the vehicles, which implies that if a driver other than the one mentioned in the guarantee causes an accident, that driver is not protected. The bonds also do not pay damages or medical expenses for drivers or passengers of the first part.Products and discounts not available to all people in all states. The products, coverage, discounts, insurance terms and other descriptions are for informational purposes only.
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