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Titan Insurance Review

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UPDATED: Mar 18, 2020

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Previously offering discount car insurance for the higher-risk market – otherwise known as non-standard – Titan Insurance is now part of the Nationwide family. In 2014, Nationwide announced plans to drop all names and brand logos of their subsidiary companies and bring everything under the Nationwide name, Titan Insurance included.

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.

About Nationwide

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.

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Review Information

Summary
Review Date
Reviewed
Titan Insurance

About Eric Stauffer

Author: Eric StaufferI am a former insurance agent and banker turned consumer advocate. My priority is to help educate individuals and families about the different types of insurance they need, and assist them in finding the best place to get it.

11 Comments

  1. This Company is a joke! Overpriced! Not only did I pay my last month with them, the CSR that I dealt with was very very rude. I let her know I was canceling and was with Geico, and they didn’t cancel my policy but sent it to collections for $150 and every time I call to dispute it, they are mean and not understanding. I wouldn’t recommend them to anyone!! I am reporting to the BBB and going to make it known to the media!

    Reply
  2. I loved Titan. I just received a notice stating they will no longer be offering insurance in California so they sent me to another company. This company is over-charging me and had wrong information. For that alone, I am going to give a bad review. I was paying 68 a month for one car, the new insurance wants me to pay 122 for one car! This is crazy. =/

    Reply
  3. This company is a joke. last week I received notice that they were cancelling my policy. I have a clean driving record, zero points, zero accidents. I called them to try to rectify this matter and all I got was attitude.

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  4. Titan Insurance is a total fraud! I paid my monthly premium of $372.58 on March 21 to renew my policy. I found another insurance (Allstate) that offered me the exact same coverage for $154 per month! Titan added a HUGE premium for my newly immigrated husband that Allstate did not. Anyway, I paid March 21 and the policy cancelled on March 30. I was told there would be a service charge of up to 10% to cancel early. I should have received over $200 back, but instead got a check for $60.70!!!!! When I called she said my cancelation fee was $188! ARE YOU KIDDING ME? So they basically kept all my money, did not provide the service I had paid for and covered it up with a “fee”. I’m appalled that this can even be legal!! I’m contacting the BBB, writing my insurance commissioner and blasting this all over the Internet so that nobody else has to be stolen from like I was!!!

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  5. Horrible company, I canceled my policy on December 6th of 2016 and I am still getting bills from this company. Called multiple times because of the bills and letters stating they have reinstated my insurance. No one else bug me was on my previous policy so no one other than I should be able to reinstate. I do not, nor I ever will be a customer of Titan or Nationwide insurance. This has became a nightmare. I wish they would just get over our breakup already. This is auto insurance not a marriage. There is no alimony.

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  6. When Titan was just Titan it was wonderful. No problems they walked me through everything. Customer Service was so nice. They walked me through everything when I had questions. That is until Nationwide took them over. My premiums sky rocketed. Since I have a 17 year old daughter (who does not even have a drivers license) they added $400 to my bill without me knowing and took it out of my account. Now they are saying they can not put it back and they will just credit it to my account for the next few months. No Thank You. I am already paying more for the same coverage it’s time to change insurance companies. If this was still Titan I would say they are worth it but it’s not now you deal with Nationwide and they are not an honest company.

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  7. As far as your insurance goes , I got coverage for $60.00 less that you wanted last month. It seems as though your insurance goes up $10. to $20. each month. So I could tell you where you could put this policy but I will be nice. Please cancel me .

    Reply
  8. I had titan insurance and I thought I was good. Then when I decided to switch and bundle my house and cars, the company I called to bundle with told me that I was super lucky I didn’t get into an accident. I was told that with the little coverage I was getting from titan, I would have most likely been sued in any type of senerio involving an accident. He told me that my coverage was a joke! But then I went to cancel and I got no run around or anything, and since they were pulling my payments out of my account that I wouldn’t owe anything and they would just stop pulling my money out of my account. They did what they promised but then later I started getting collection notices in the mail saying I owed money and they came directly from a collection agency! So now I have dings on my credit that I just rebuilt because their customer service reps were misinforming! So all in all….I wouldn’t recommend titan insurance to anybody! You will end up over paying for hardly any insurance at all, you will quite possibly get sued by any other party you get into an accident with and your credit will get screwed up when you try to cancel!

    Reply
  9. The review provided here is helpful in the sense that it describes Titan’s target customer. What is not made clear, however, is that when you get a quote from Titan everything about the correspondence indicates you are dealing with Nationwide insurance. There is never a mention of Titan nor of the fact that it a bare bones subsidiary of Nationwide. This is highly deceptive. I didn’t need a second rate insurance company because I didn’t have a problem getting insurance with other more reputable insurers. So first of all, the tactics for luring customers in are bordering on fraudulent. In my case, the only way I discovered I had been dealing with Titan was when the premium was withdrawn from my checking account and I noticed the company name. I immediately got on line and found many, many poor reviews for Titan. The reviews related to terrible service on claims, and all manner of other service issues. I immediately called back to cancel the policy and was given a colossal runaround. Ten days to cancel. Another ten days to refund the money. Even thought I cancelled before the policy went into effect. It’s not like I was cancelling something that had even been processed yet. All in all the experience from the very first moment with Titan was a bad scene. People need to know it isn’t Nationwide you are dealing with. It is a second (or third) rate provider with a terrible reputation for service.

    Reply
  10. In reading your posting, I found out a lot of helpful information pertaining to car insurance. I would like to ask you a question about cancelling your policy. I just received a car insurance policy for Titan Insurance though Nationwide on the 8th of April in 2014. On April 10th, our family was affect by financial hardship. I called the insurance office to request a cancellation form on the 11th. They email me the form. I filled out the form with my signature and fax it back. I don’t understand why it takes so long to receive your refund. I paid in full with cash for 6 months with liability only. Can you explain the procedure of processing a cancellation.

    Reply
    • Hi Debra,

      Unfortunately, each insurance company has their own procedure for cancelling an auto policy. It is good that you have already filed the paperwork for cancellation, so that will get the ball rolling.

      If you have not done so already, formally request a refund. Either call customer service or fax in a signed letter. A lot of companies do not require this, but it is better to be safe than sorry.

      As far as refund time, it can really vary. Some companies will issue it in a few days, while others can take weeks. Your best best is to ask Titan what their turn-around time usually is.

      Best,
      Eric Stauffer

      Reply

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