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Written by
Daniel Walker |
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Reviewed by
Daniel Walker
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UPDATED: Jun 28, 2022
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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.
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 Profile | Average Monthly Titan auto insurance Rates | Average Monthly Geico auto insurance rates | Average 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.
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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 Types | Purpose of Coverage |
|---|---|
| Bodily injury liability | Pays for medical bills if someone else suffers an injury in an accident caused by you. |
| Property damage liability | Liability coverage that covers the cost of any property damage you’ve caused in an accident. |
| Collision | Covers damage to your car after an accident. |
| Comprehensive | Covers damage to your car when you’re not driving. |
| Personal injury protection | Covers medical expenses for you and your passengers after an accident. |
| Uninsured/underinsured motorist | Covers the costs if you’re in an accident caused by a driver with little or no car insurance. |
| Medical payments | Covers 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.
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 Discount | Discount Eligibility |
|---|---|
| Accident-free | Drivers with no accidents in the past three to five years. |
| Airbag | Cars with factory-installed air bags. |
| Anti-lock brakes | Cars with factory-installed anti-lock brakes. |
| Anti-theft | Cars include anti-theft devices, like alarms, tracking systems, and kill switches. |
| Good student | High school or college students with at least a 3.0 grade point average. |
| Mature driver | Drivers over 55 that have completed a mature driver accident prevention course. |
| Military | Driver is a current or former member of the military. |
| Multi-car | Insure more than one car on a single auto insurance policy. |
| Safety course | Completed 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.
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.
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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.
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:
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.
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.
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Titan Insurance has competitive rates and provides coverage to high-risk drivers. Despite the high number of complaints, the company has been rated well by the Better Business Bureau and A.M. Best.
Learning more about Titan Insurance will help you decide if the company fits your auto insurance needs.
Now that you know about Titan Insurance, enter your ZIP code to find free auto insurance rates in your area.
Titan Auto Insurance Review [2022] is a company that was incorporated in 1992. Titan Auto Insurance Review [2022] is a insurance company and has assets of , capital of $, and net surplus of $.
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Titan Auto Insurance Review [2022] is located in Troy, Michigan and the phone number for Titan Auto Insurance Review [2022] claims, customer, service, and additional information is 800-771-7758.
If you already have Titan Auto Insurance Review [2022] insurance quotes then be sure that you compare your quoted Titan Auto Insurance Review [2022] insurance plans with insurance quotes from many other top insurance companies so that you can find the very best insurance plan for your needs. Enter your zip code in for free insurance quotes now!
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