This paper investigates the impact of TiO2 high-k gate insulator on the electrical characteristics of AlGaN/AlN/GaN MOS-HEMT transistors using MATLAB and Atlas-TCAD simulation software. The physical analytical model of the MOS-HEMTs is used for simulation from Al2O3, HfO2, and TiO2 as the gate dielectric materials, which provide higher performance and reliability of the MOS-HEMT devices. The device shows a good improvement in its result of the DC and AC characteristics with different permittivity of insulator materials. Thus, the DC and AC performance of GaN MOS-HEMTs is higher than with other insulators, such as Al2O3 and HfO2 by using TiO2 as the gate dielectric. Moreover, the simulation results proved that TiO2 is the better gate dielectric material to enhance the electrical reliability of the power switching devices for high-temperature applications such as electric automobiles.