Shuman Roy is an entrepreneur, business owner, and musician. He started RoysNoys, LLC in 2013 as a music production and education service company. He also offers small business consulting and advisory services to help businesses get from start-up mode to turn-key operations. Shuman earned his M.B.A from the Stern School of Business in 2001 and has an undergraduate degree from Manhattan College in ...

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Content Writer & Entrepreneur Shuman Roy

Joel Ohman is the CEO of a private equity-backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Joel...

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Reviewed by Joel Ohman
Founder, CFP® Joel Ohman

UPDATED: Jun 28, 2022

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The Truth in a Nutshell

  • Titan Insurance is a subsidiary of Nationwide insurance company
  • Titan Insurance offers car insurance specifically to high-risk drivers
  • It’s unusual for an insurance company to charge broker fees

If you’re searching for affordable insurance and have wondered why are some car insurance companies are cheaper than others, you may have heard about Titan auto insurance company and the Titan insurance no broker fee, especially since they offer cheap insurance for “as little as $1 per day” without charging a broker fee.

You’re probably also wondering what a broker fee is. This Titan insurance no broker fee review will answer all your questions. There are Titan auto insurance reviews and prominent billboards, making us want to dig a little deeper to get to know this company. So, what is the Titan insurance company, and what does it offer? Let’s take a look at Titan Insurance and its claim of dirt-cheap insurance in more detail.

While this review won’t go over topics like the pros and cons of usage-based car insurance, you will learn more about Titan insurance and what a no broker fee actually means, as well as how to compare car insurance, ways to find affordable coverage, and more. Keep reading.

When looking for cheap car insurance, you should get multiple quotes to compare for the best coverage at the cheapest rates. Before reading this Titan insurance no broker fee review, enter your ZIP code to compare Titan auto insurance quotes today.

What are broker fees in regards to car insurance?

What is a broker fee? Do most companies charge you broker fees? What about Titan insurance? Does the company offer insurance with or without a broker fee? Keep reading to find out the answers to these and other questions.

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What is a broker fee?

A broker fee is a fee that a broker charges for their services. In this case, a broker fee is charged by a broker for selling insurance coverage. Essentially the broker is charging for being the middle man between an insurance company and an insured.

What’s the deal with Titan insurance no broker fees?

Since broker fees aren’t very common, perhaps Titan is targeting companies like The General Auto Insurance and Esurance, which also broker high-risk insurance. Some brokers do charge fees, but they’re usually paid by the insurance company, not the client.

Both The General and Esurance are not actually insurers, meaning they don’t collect your insurance payment or pay your insurance claims. Rather, they act as insurance brokers that “sell” you a policy from another carrier and charge you a fee for the “service.”

This is different from companies like GEICO or Farmers Insurance that offer insurance themselves.

What’s the difference between a broker and an agent?

At its most basic, the main differences between a broker and an agent are representation and authority. A broker represents you as the consumer, while agents represent insurance companies. And while brokers represent you and can sell you a policy from whichever company best fits your needs, they don’t have the authority to actually finalize the insurance sale, but an agent can.

Brokers may charge you a broker fee for their work, but as we noted earlier, in most cases, the insurance company pays the broker fee rather than you.

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When should you pay a broker fee?

Ultimately you shouldn’t have to pay a broker fee. If a broker is charging you one, you should probably shop for a different broker. You might be better served by contacting a local independent licensed agent who can sell you a policy from any number of car insurance companies (the same companies entities like The General and Esurance use) without a fee.

Independent agents typically collect a commission, paid by the insurance company, but don’t charge any additional fees (like broker fees). In fact, if you’re working with an agent who charges fees—above what they receive from the insurance companies they represent—you might want to find a new independent agent.

If you’re ready to start shopping around for car insurance rates, just enter your ZIP code in the free tool above.

What are the Titan insurance basics?

Now that we’ve covered what broker fees are, let’s look at Titan Insurance a little closer.

As with many smaller car insurance companies today, Titan is connected with other, more well-known insurance companies. Specifically, they are a subsidiary of their parent company, Nationwide. Nationwide offers many different types of coverage and is available throughout the country and is one of the largest insurance providers.

In 2015, Titan sold 83 of its retail stores to First Acceptance Corporation, which rebranded the stores under the name Acceptance Insurance. If you want to learn more, read our Acceptance auto insurance review (insurance for imperfect drivers).

Titan sold to other companies as well, but those are all under the Nationwide umbrella. Nationwide insurance is a high-end insurer that recognizes the value of bankrolling other insurance companies selling car insurance to customers who don’t necessarily fit its “risk appetite.”

Put simply, Nationwide doesn’t want to insure high-risk drivers but knows there’s a lot of money in it all the same.

Titan is a non-standard auto insurer. This means the company specializes in high-risk car insurance, so the auto insurance policies offered are for high-risk drivers. You can expect to purchase a minimum limit, liability-only car insurance policy. With most high-risk insurance, rates are typically higher. However, Titan prides itself on low rates, so when you get one of Titan’s insurance quotes, it may not always reflect those higher rates.

These types of insurers typically do not offer additional coverage. What does liability car insurance cover? It protects you against financial loss due to bodily injury and property damage you cause to others while driving your own vehicle. In essence, you save on potential medical expenses, and with high liability limits, consumers are more protected in the case of an at-fault accident.

Some drivers do not have a choice but to purchase car insurance through a specialty auto insurance company. Minimum coverages of each non-standard auto insurance provider will vary, but perhaps Titan has one for you.

If you’re looking for a new high-risk insurance policy, enter your ZIP code in our free tool to begin comparing affordable car insurance rates from top companies.

How do Titan car insurance rates compare?

Titan car insurance reviews are tied up with Nationwide, and Titan’s specific rates are not published. Since Titan is a part of Nationwide, we’ll compare Nationwide’s rates to those of other top-rated auto insurance companies. No matter the company, certain factors determine the price of your car insurance rates. To see how these factors might affect rates, we’ll compare Nationwide insurance and other top companies’ average annual rates based on driving history and credit rating.

First, we’ll look at average annual rates for companies based on driving history. It shouldn’t be a surprise that your driving history affects your car insurance rates. But it might surprise you just how much one ticket can change what you pay. Take a look at this table for more.

Average Annual Car Insurance Rates Based on Driving History
Insurance CompaniesAverage Annual Rates with a Clean Driving RecordAverage Annual Rates with One AccidentAverage Annual Rates with One DUIAverage Annual Rates with One Speeding Violation
American Family$2,693.61$3,722.75$4,330.24$3,025.74
Liberty Mutual$4,774.30$6,204.78$7,613.48$5,701.26
State Farm$2,821.18$3,396.01$3,636.80$3,186.01
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Nationwide falls in the middle of these companies when it comes to rates based on your driving history. It will save you a lot of money with any company if you just obey traffic laws and drive carefully.

Next, let’s look at average annual rates based on credit rating. Companies believe your credit rating is a measure of how responsible you are, financially and otherwise. They use this factor to help determine your rates in most states.

The higher your credit score, the better your rates may be (the good news is that Experian reports the average credit score is 703, which is considered good credit). Take a look at this table to see what good, fair, and poor credit can do to your rates.

Average Annual Auto Insurance Rate Based on Credit Score
Insurance CompaniesAverage Annual Rates with a Good Credit ScoreAverage Annual Rates with a Fair Credit ScoreAverage Annual Rates with a Poor Credit Score
State Farm$2,174.26$2,853.00$4,951.20
American Family$2,691.74$3,169.53$4,467.98
Liberty Mutual$4,388.18$5,604.24$8,802.22
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Nationwide is again in the middle of the companies listed for rates based on your credit rating. Thankfully, it’s relatively easy to raise your credit score. Just paying your bills on time and not missing any payments can go a long way toward increasing your rating.

Improving your credit rating from a poor rating to a good rating will save you thousands in insurance rates and other purchases.

To compare great auto insurance rates, enter your ZIP code to find car insurance quotes from top companies.

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Titan car insurance offers the same primary coverage options as other major insurers. The company’s main offerings include:

  • Titan auto liability insurance coverage
  • Titan collision coverage
  • Titan comprehensive coverage
  • Titan uninsured/underinsured coverage
  • Titan medical payment coverage

It can be difficult for high-risk drivers to find affordable options with car insurance, and insurance costs vary so much between providers. Too often a fair price is a sight for sore eyes! This is because when insurance companies see risky behaviors in your past, they can only assume they will have to pay out a claim at some point. However, some companies, like Titan, specialize in insurance for drivers with less than stellar records.

Do insurance companies check driving records? Yes. Should you find yourself with several speeding tickets or accidents, for example, Titan would be available to offer you the coverage that many insurers won’t. Titan Insurance might be a good option for drivers with the following characteristics:

  • Driving record with tickets or accidents
  • Lapse in coverage—driving uninsured for a period over 30 days
  • Less-than-perfect credit
  • Meeting minimum state requirements only
  • Liability-only policies—no physical damage coverage
  • Required SR-22 insurance coverage

Regardless of driving record and insurance history, many standard insurers won’t offer insurance to drivers who’ve had a lapse in coverage.

Thankfully, you don’t have to pay for past mistakes forever. It’s possible to get lower rates in the future once you’ve improved your driving performance and credit history and kept your coverage consistent. Becoming a good driver will allow you to receive more coverage options at affordable rates and competitive prices.

When looking for insurance, it’s important to shop around to determine which is the best insurance company for high-risk drivers. Not all companies weigh factors the same, so one company could be considerably cheaper than the next.

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What are some frequently asked questions about Titan insurance?

Still have questions about Titan car insurance? Keep reading to find the answers to some frequently asked questions about Titan insurance.

#1 – What is the Titan car insurance phone number?

Titan can only be reached by phone. The number is 1-800-848-2687. Customers can also make claims by reporting them to Titan insurance customer service’s online portal.

#2 – Is there an agency offering Titan insurance near me?

If you’re wondering, “Is there Titan car insurance near me?” you’re in luck if you live in the following 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, and West Virginia.

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#3 – Are there Titan insurance careers available?

Although Titan isn’t hiring, Nationwide or Acceptance Insurance might be.

Are you ready to buy Titan auto insurance? Now that you’ve finished this Titan insurance no broker fee review, enter your ZIP code to get a free quote with our comparison tool and start browsing today to make sure you’re getting the most affordable Titan auto insurance rates. Make sure to check if you qualify for any auto insurance discounts!