Titan Auto Insurance Review

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Titan Auto Insurance Review

Find Cheap Auto Insurance Quotes in Your Area

Currently insured?
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  • Good, fairly priced options for non-standard auto insurance
  • Coverage and company affiliated and backed by Nationwide parent


  • Higher than average complaint index, based on closed complaints submitted to the NAIC
  • Underwriting coverage is not national - present in 26 states across America

Titan Auto Insurance Rate Comparison

Let's look at Titan auto insurance rate samples for a handful of demographics and compare them to both GEICO and Allstate:

Driver Profile


Single Female, 25 years old


Single Male, 30 years old


Married Couple


Senior Married Couple


We looked at sample auto insurance premiums for the minimum liability in the state of California and compared illustrative quotes for Titan / Victoria Fire to national insurers such as GEICO and Allstate. Results are mixed based on the four driver profiles and the zip codes sampled above. For example, GEICO is anywhere from $10 to $104 cheaper due to its nature as an online presence. Compared to Allstate, however, which has a mixture of online and agent presence much like Titan, the comparison is more favorable. Here, the savings going with Titan can range from $4 to $74 - great for drivers looking for the convenience of an online quote with a local agent to call when problems or questions arise. In any event, it is best to compare auto insurance rates from carriers in your city to get the best idea of what the market rates. For a list of the best auto insurance companies in your area, enter your zip in the search form below.

Find the Cheapest Auto Insurance Quotes in Your Area

Currently insured?
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Titan Auto Insurance Policy & Coverage

Titan provides auto insurance through quotes on their website, over the phone, and through a local presence on the ground. They're represented in the 23 states by a network of local agents from companies such as Nationwide, Answer Financial, and other private independently-run agencies. 

Non-Standard Auto Insurance Coverage

The company also offers non-standard auto insurance, or car insurance for drivers who have been deemed high risk. For example, drivers who have had more than six points on their driving record, or several traffic violations (within a short time period), would fall under this category. Their affiliate Victoria Fire & Casualty specializes in writing these kinds of policies.

Titan's Geographical Coverage

Titan underwrites auto insurance in about half of the states in America. The states covered by Titan are: 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, and West Virginia. 

Insurer Ratings



AM Best Financial Strength Rating (2013)


Better Business Bureau Rating - Nationwide (2013)


NAIC Complaint Index (2012)

2.07 (Worse than Average)

Backed by the financial strength and reputation of Nationwide, Titan Auto Insurance has great grades for its creditworthiness and overall business practices. When evaluated as a standalone entity, however, the company has receives a rather high number of complaints for its share of net auto insurance premiums underwritten. Some of the complaints submitted to the NAIC included coverage questions, denial of claims, and cancellation and nonrenewal of policies.

Titan Auto Insurance Discounts

In addition to the typical slew of discounts offered by auto insurers everywhere, Titan also has savings for consumers for advance quotes. To be eligible for the advance quote discounts, prospective policyholders must get a quote eight or more days before their existing policy expires. 

Discount Type

Discount Amount

Good Student


Mature Driver


Multi-Car Discount

0 - 15%



Persistency Credit


Sources: Titan Auto Insurance, and 2013 California Department of Insurance Survey

How to File a Claim

Claims cannot be reported on Titan's website. To reach a customer service representative and report a claim, dial:

Titan Claim Telephone Number: (800) 926-3168

  • Press 1 for Titan's claims service
  • Press 1 to report a new claim, or 2 to discuss an existing Titan claim

About Titan Auto Insurance

Titan Auto Insurance has been an affiliate of the Nationwide family of auto insurance companies since 2003. The company is based in Highland Hills, Ohio, and has retail locations across their covered states. Along with its sister affiliate, Victoria Fire & Casualty, Titan offers non-standard auto insurance to drivers.

Comments and Questions

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