Best Nissan Car Insurance Rates in 2024
Nissan car insurance rates are an average of $147 per month for full coverage car insurance, but rates will change depending on the Nissan model you own. For example, Nissan Altima full coverage insurance is an average of $145 a month, but Nissan GT-R full coverage insurance is $192 per month.
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Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
UPDATED: May 19, 2024
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Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: May 19, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- On average, you’ll pay around $147 monthly to insure a Nissan, though personal factors like driving profile and demographics affect your rates
- Your Nissan’s model and age also affect your Nissan car insurance rates, so an older and inexpensive model might see lower rates.
- Nissan rates are fairly affordable, but you can still save on coverage by comparing quotes, locating eligible discounts, and driving safely
On average, Nissan auto insurance rates are $147 monthly for full coverage car insurance, about 24% higher than the national average for full coverage. However, there are various factors that affect car insurance rates, like the Nissan model, age, gender, driving profile, chosen insurance company, and coverage amount.
So, the best way to find cheap car insurance is to follow Nissan insurance cost savings tips like comparing quotes from various companies, locating eligible discounts, and getting a model with the best Nissan insurance rates. Read on to find affordable Nissan car insurance and determine the Nissan car insurance coverage types you need.
Average Nissan Car Insurance Rates
Nissan drivers pay about $147 monthly for full coverage car insurance, making it an affordable option for drivers looking to save on their coverage.
However, getting a car insurance quote is essential to know your exact costs since rates vary by driving profile, demographics, and your Nissan’s model and age. For example, while a Nissan Versa costs about $137 a month for full coverage, you’ll pay $192 monthly for Nissan GT-R insurance, the company’s sports car.
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There are various factors that affect car insurance rates. Below you’ll find some of the common factors insurers consider when setting rates:
Factors that Affect Car Insurance Rates
| Factors | Why They Matter |
|---|---|
| Your accident record | More accidents equals increased risk which equals higher rates |
| Your age, gender, and driving experience | Statistics show that young males without much driving experience are at a higher risk for accidents |
| Your credit score | Credit score is an indication of how financially responsible you are. This factor is not admissible in all states |
| How often you drive | More time on the road equals more opportunity for accidents |
| Your driving habits | How you drive and when you drive will either increase or decrease your overall risk of having an accident |
| Your credit-based insurance score | A good score will result in better rates |
| Your occupation | Different occupations have been associated with safer or more dangerous driving habits. This is not an acceptable factor in some states |
While many of the factors listed above are outside human control, you can control other factors like your driving habits and coverage options. You should always get a Nissan insurance quote from multiple insurers to know what you’ll pay since each company weighs these factors differently.
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Nissan Car Insurance Rates by Company
When shopping for coverage, comparing quotes from several car insurers is vital to finding the best and most affordable company. While factors like claims handling and customer support are also important, you’ll also want to find a company that fits your budget.
Remember that you’ll pay higher rates for more coverage, so full coverage will cost more than a liability-only policy. However, the minimum car insurance required by states differs, meaning you’ll pay higher rates in an area with more required coverage.
Look at the table below to compare full coverage and minimum coverage to get an example of what you may pay for Nissan auto insurance based on various companies:
Average Monthly Auto Insurance Rates for a 30-Year-Old Male
| Auto Insurance Company | Average Monthly Auto Insurance Rates for Minimum Coverage | Average Monthly Auto Insurance Rates for Full Coverage |
|---|---|---|
| U.S. Average | $52.66 | $128.44 |
| Progressive | $50.13 | $130.78 |
| Geico | $32.32 | $89.87 |
| Allstate | $66.78 | $168.42 |
As previously mentioned, your car insurance rates may vary considerably from the averages depending on various factors, including which insurance companies provide you with quotes.
Nissan Car Insurance Rates by Model
On average, you’ll pay around $147 a month for Nissan car insurance, but your rates may vary from that figure depending on your model. For example, full coverage on a Nissan GT-R costs about $192 a month since sports cars cost more to insure. Coverage for sports cars is more expensive due to their speed and theft risk, so compare sports car insurance rates to find affordable Nissan GT-R insurance.
On the other hand, if you insure a Nissan Sentra — the company’s compact sedan with a low MSRP — you’ll only pay about $139 monthly for full coverage, which is about $8 cheaper than the overall Nissan average. Read on to compare Nissan car insurance rates by model.
Nissan Versa Car Insurance Rates
The Nissan Versa has the lowest MSRP of all the company’s options and carries affordable car insurance rates. With an MSRP of $15,730, expect to pay about $137 a month for full coverage car insurance on a Nissan Versa. For even lower rates, you could buy a 2017 Nissan Versa, which you’ll pay around $112 monthly to insure.
Nissan Titan Car Insurance Rates
Nissan’s full-size pickup truck model, the Nissan Titan, offers the affordable rates and towing power you may need. On average, Titan drivers pay about $144 a month for full coverage, just a tad below the overall Nissan average.
The Nissan Titan has a starting MSRP of $39,700. However, if you want to pay less for your car and insurance, consider insuring an older Titan model. For example, full coverage car insurance for a 2010 Nissan Titan only costs about $103 a month.
Nissan Sentra Car Insurance Rates
With a starting MSRP of $19,950, the Nissan Sentra is a compact car that’s affordable to buy and insure, costing $139 for full coverage. If you’re looking for even lower Nissan car insurance rates, you could buy a 2015 Nissan Sentra and pay about $28 less monthly for your full coverage car insurance than if you had a brand new Sentra.
Nissan Rogue Car Insurance Rates
If you need more cargo space or room for passengers, the Nissan Rogue might be an attractive model for you. It has an affordable MSRP for an SUV, starting at $27,360. On average, you’ll pay around $139 a month to insure a Rogue. If you buy a 2015 Nissan Rogue, you’ll pay $114 monthly for full coverage on average.
Nissan Pathfinder Car Insurance Rates
The Nissan Pathfinder is an impressive eight-passenger SUV with a starting MSRP of $35,000. Typically, it costs about $131 monthly for full coverage car insurance on a Pathfinder. You can find even lower car insurance rates for a Nissan Pathfinder by insuring older models. For example, you’d pay around $107 a month for full coverage on a 2017 Nissan Pathfinder — $24 less than for a new one.
Unveil Your Options: Compare Nissan Car Insurance Rates by Model
Quickly compare car insurance rates for Nissan models including 350Z, Leaf, Armada, Murano, Juke, Rogue, and Kicks. Start now to find the best rates for your Nissan!
| Compare Nissan Car Insurance Rates by Model | |
|---|---|
| Nissan 350Z | Nissan Leaf |
| Nissan Armada | Nissan Murano |
| Nissan Juke | Nissan Rogue |
| Nissan Kicks |
Nissan Car Insurance Coverage Options
When shopping for the best Nissan car insurance, it’s important to compare coverage options against rates to ensure you find a company offering the protection you need for you and your Nissan.
Most U.S. states require drivers to carry liability insurance or the minimum amount of car insurance required to drive legally.
However, each state has different coverage requirements, so check with your insurance company to see what coverage you need. You may need to compare liability car insurance rates if yours becomes too expensive. On average, liability insurance for a Nissan costs about $40 a month.
To better protect you and your vehicle, you may want to consider carrying full coverage car insurance consisting of liability insurance, collision coverage, and comprehensive coverage. These coverages pay for your vehicle damages and medical bills, but you’ll pay higher rates for full coverage than with liability-only insurance. You’ll pay about $147 monthly for full coverage on a Nissan — over $100 more than minimum insurance.
While carrying only liability insurance sounds tempting, you and your car won’t be protected. Consider the following optional car insurance coverages to maximize protection for your Nissan:
- Collision coverage: Collision car insurance helps pay to repair or replace your car if you get into an accident, regardless of fault. If your insurer totals your car, you’ll get a check for its market value. However, you’ll get a payout to cover repairs if damages are repairable.
- Comprehensive coverage: Comprehensive car insurance protects your car from non-collision incidents like weather damage, theft, or vandalism. With collision and comprehensive coverages, you must pay a deductible out of pocket before you receive a payout.
- Medical payments/personal injury protection: These coverages help pay for your and your passengers’ medical bills and lost wages after an accident. Some states may require personal injury protection insurance, so compare personal injury protection (PIP) coverage to find the best rates.
- Uninsured/underinsured motorist protection: If you get in an accident and the other driver carries inadequate or no insurance, uninsured/underinsured motorist coverage helps pay for your property damage and medical bills.
- Roadside assistance: If your Nissan gets stranded, roadside assistance can come to the rescue with a tow, jump-start, fuel delivery, or other services.
- Gap insurance: Gap insurance helps if you have a car loan or lease and total your car. For example, suppose you have a $30,000 left on your car loan, but you only get a check for your car’s market value of $25,000. Gap pays the $5,000 difference, so you don’t pay for a car you don’t own.
- Rental car reimbursement: If your car is in the shop after a covered accident, rental car reimbursement pays for a rental car. Usually, you have a daily and total limit, so check your policy for more details and compare rental car reimbursement coverage to get the best deal.
The coverages listed above are great ways to increase the value of your Nissan’s car insurance policy. However, you’ll pay higher car insurance rates for each add-on coverage, so ensure you only pay for the Nissan car insurance coverage you need.
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How to Save on Nissan Car Insurance
While comparing average rates based on certain situations is a good way to find affordable insurance, there are other effective strategies to find cheap car insurance for your Nissan.
Consider the tips listed below if you’re looking to find affordable Nissan car insurance rates:
- Shop around. Compare coverage options and rates across various insurance companies before you purchase a policy to ensure you don’t overpay for coverage.
- Locate discounts. Always see if any insurance companies you consider offer eligible car insurance discounts. You could qualify for common discounts like bundling or good student discount.
- Reduce your coverage. While more coverage equals more protection, you’ll pay higher rates. Ensure you only carry the coverage you need so you don’t overpay for car insurance.
- Increase your deductible. Your car insurance deductible is the amount you must pay out of pocket before your insurance pays a claim — the higher it is, the lower your rates are. However, you shouldn’t raise your deductible to an amount you can’t afford.
- Maintain safe driving habits. Your insurance company may take notice and lower your Nissan car insurance rates if you drive safely. Some offer safe driver car insurance discounts to policyholders who remain accident or claim-free for a period.
You should also get quotes from any car insurance companies you’re considering to know exactly what you’d pay for coverage.
Read more: Finding Inexpensive Rates for Auto Insurance
Finding the Best Nissan Car Insurance Rates
Comparing quotes, coverage options, and discounts is critical if you’re looking to save on Nissan car insurance rates. You may also find more affordable rates for a Nissan model with a low MSRP. For example, insurance for a Nissan Versa costs much less than Nissan GT-R insurance, the company’s sports car, making it easier to get cheap Nissan car insurance.
Since average rates only show you what you might pay for coverage, get Nissan insurance quotes from several companies to find the best Nissan car insurance for your needs.
Frequently Asked Questions
Will auto insurance for a Nissan be expensive?
No, a Nissan is relatively affordable compared to other car brands. On average, you’ll pay around $147 monthly for full coverage car insurance on a Nissan.
Which company provides the cheapest car insurance for a Nissan?
The company that offers the cheapest car insurance for a Nissan depends on the model you have and how much coverage you need.
Will a Nissan Altima be expensive to insure?
Nissan Altima insurance costs for full coverage are a little lower than the overall Nissan average. You’ll pay $145 monthly on average to insure an Altima. Always compare Nissan car insurance rates by model to find affordable coverage.
How can I find the best Nissan car insurance rates?
To find the best Nissan car insurance rates, you can:
- Shop around and compare quotes from different insurance companies.
- Look for eligible discounts offered by insurance companies.
- Consider reducing your coverage to only what you need.
- Increase your deductible, but make sure it’s an amount you can afford.
- Maintain safe driving habits to potentially qualify for a safe driver discount.
How are Nissan car insurance rates determined by the company?
Car insurance rates for Nissan vehicles are determined based on various factors, including your driving profile, demographics, accident record, age, gender, credit score, driving habits, and how often you drive. Each insurance company weighs these factors differently, so getting Nissan insurance quotes from multiple insurers is important to find the best rate.
Why is a Nissan Maxima so expensive to insure?
You’ll pay $158 monthly for full coverage on a Nissan Maxima, which is 13% higher than the overall average for Nissan auto insurance. Maximas are so expensive to insure due to the car’s higher value, performance, and history of expensive repairs.
Which Nissan model is the cheapest to insure?
A Nissan Pathfinder is one of the cheapest models to insure, as full coverage costs an average of $131 monthly.
Is the Nissan Rouge expensive to insure?
The Nissan Rouge is an SUV, which means that insurance may be slightly more expensive for this model than car insurance for other Nissan models.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Scott W. Johnson
Licensed Insurance Agent
Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.