Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Sep 5, 2020

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Non-standard automotive insurance companies are providers of auto insurance policies for drivers who have faced some unfortunate circumstances in life and now have trouble obtaining affordable coverage. In just about half of all US states, Titan Auto Insurance is a well-known provider of this non-standard coverage. They are an affiliate of Nationwide, a much larger, standard insurance provider.

Titan Insurance Review

If you want to know how good an insurance company will provide for you, take a look at their ratings: both in customer service and financial strength. Although AM Best lists Titan as a separate insurance company, there’s no doubt that ties to their parent company, Nationwide, have greatly influenced their A+ rating. Likewise, customer service reviews for Titan often redirect to reviews for Nationwide instead; and, unfortunately, it appears as though either Nationwide, Titan, or both are falling short in keeping their customers happy.

Ratings AgencyRating
AM Best Financial Strength Rating (2016)A+
Better Business Bureau Rating – Nationwide (2016)A+
BBB Composite Score – Nationwide (2016)3.71 out of 5 stars
Consumer Affairs – Nationwide (2016)1 out of 5 stars

Titan Insurance Discounts

One might think it strange that a non-standard insurance company is willing to offer as many discounts as Titan does; however, keep in mind who their parent company is. Base on the Nationwide influence, they can offer drivers discounts for insuring multiple vehicles, staying accident-free for a certain period of time, specific safety equipment, and at least a dozen more, including:

Discount TypeDiscount Amount
Good Student5%
Mature Driver5%
Multi-Car Discount0 – 15%
Persistency Credit4%

Like all large insurance providers, however, discount availability and maximum possible savings will vary by state. It’s important to double-check with your local Titan agent and make sure that they can verify this information for your area.

Titan Auto Insurance Options

When crafting a Titan insurance policy, you’ll find many of the same coverages that your typical, standard auto policy comes with. You’ll also find some common extras, like collision or Roadside Assistance, which might not even be a choice for most non-standard policies:

  • Liability Insurance (includes Property Damage and Bodily Injury)
  • Collision Insurance
  • Uninsured/Underinsured Motorist Insurance
  • Medical Payments Insurance
  • Comprehensive Insurance
  • Roadside Assistance
  • Towing & Labor
  • Rental Reimbursement
  • SR-22

Comparing Titan Insurance Quotes

Just as it’s important to know how local insurance providers vary in price, it’s also important to know how the company you’re looking into varies its prices by driver:

Titan Auto Insurance Quote Comparison Legend: Titan Young Driver <25 Single Renter (Male) Married Couple Senior Couple 15 30 45 60 75 90 105 120 135 150 165 $113 $99 $178 $130

For a non-standard insurance company, Titan’s rates resemble something closer to a mainstream provider than they do the former. And although the number for couple’s insurance seems high, if you divide it in half, that works out to about $89/month for a married driver, and only $65/month for a married senior driver.

Pros and Cons of Titan Insurance

Relatively affordable provider of non-standard insuranceOnly available in about half of all states
Affiliated with Nationwide, a large, stable, successful insurance providerBlended reviews about both Titan and Nationwide slant towards the unfavorable

When it comes to Titain’s pricing, especially for drivers who are in need of non-standard insurance coverage, it’s hard to find a better deal. Unfortunately, that deal might not be available in your area if you live in one of the 20+ states where Titan does not underwrite coverage. And while they may be a financially stable company, there is some uncertainty about their customer service record. But if you really want to know whether Titan is the right choice for you, the first step is to compare them with free quotes from local competitors using our quote generating tool.

Corporate Headquarters
One West Nationwide Boulevard 1-04-701
Columbus, OH 43215-2220
Phone: 614-249-1545
Fax: 866-315-1430