UPDATED: Mar 18, 2020
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Titan Insurance Overview
Titan Insurance was founded in Troy, Michigan in 1991, and expanded quickly over the ensuing years to a number of other states. Titan’s parent company, THI Holdings (which also owns Victoria Insurance), was purchased in 2003 by Nationwide Insurance, making it part of one of the largest insurance groups in the U.S.
Titan previously wrote automotive insurance exclusively but offered both personal and commercial policies. As a non-standard insurer, the company wrote policies for people who have trouble getting coverage elsewhere, including drivers with tickets and accidents, drivers with international licenses, and people with credit problems.
Drivers who require an SR-22 (proof of financial responsibility) were a big part of Titan’s business, as they provided a basic policy that meets all of the legal requirements. They also offered these policies to other drivers, including those who are new to the country and may not understand fully how U.S. auto insurance works.
Offering basic no-frills policies allowed Titan to offer lower rates for drivers who are high-risk, however, these types of policies are notorious for being inadequate in moderate to severe accidents due to their low policy limits.
Titan sold policies both online through their website, over the phone, and through what they call Titan Agent Owned Offices – which is basically just a regular insurance agent, but with offices owned by Titan’s agency sales branch. Titan Agent offices were located within Nationwide agencies, allowing those agents to offer Titan’s non-standard products as well as other Nationwide products.
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Nationwide Insurance is one of the biggest insurance groups in the nation and sits at number 66 on the Fortune 500 list for 2018.
Over the past few decades, they have acquired a large number of smaller companies and groups, making their insurance offerings some of the most comprehensive of any company. In particular, Nationwide is one of the few that actually underwrites almost everything they offer, from auto insurance to pet insurance.
For more on Nationwide and its products and reputation, read our full review of the company here.
For a list of companies that we recommend, visit our Best Insurance Companies page.