Buy Cheap Nissan Auto Insurance in 2024
Full coverage auto insurance for a Nissan costs an average of $147/mo, although some Nissan models have higher rates. Drivers looking for cheap Nissan auto insurance can find the best rates if they own a Nissan Pathfinder or Nissan Armada, as these are the cheapest Nissan models to insure.
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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UPDATED: Dec 16, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page 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: Dec 16, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The Nissan GT-R is the most expensive Nissan model to insure, as it has a high retail price and is a sports car
- The cheapest Nissan models to insure are the Nissan Armada and the Nissan Pathfinder, both of which are SUVs
- Drivers with clean driving records will find it easier to buy cheap auto insurance for their Nissan vehicles
A full coverage auto insurance policy for a Nissan averages under $200 per month, but rates for cheap Nissan auto insurance will vary depending on what Nissan model you own. Insurance companies will also change auto insurance rates based on your driving record and age, charging high-risk drivers more. Becaues auto insurance companies vary in what they charge, your choice of an auto insurance company will greatly impact what you pay.
To learn all about Nissan auto insurance and how to buy cheap auto insurance, read on. We go over everything you need to know about auto insurance coverages for Nissan cars, average Nissan auto insurance rates, how to save on Nissan auto insurance, and more.
Nissan Auto Insurance Coverages
Regardless of what model of Nissan you drive, you will have to carry the auto insurance coverages that are required by your state. If you aren’t sure what your state requires, take a look at our guide to minimum auto insurance required by state.
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Normally, though, you can expect to have to pay for a policy that has liability insurance, some form of medical insurance, and uninsured or underinsured insurance. If you have a loan or lease on your Nissan, you will also have to carry collision and comprehensive insurance, as it protects the lender’s assets. For an explanation of what all these insurance coverages do, take a look at the list below.
- Bodily injury liability insurance: This important coverage pays for other parties’ medical bills if you cause a crash injuring people who are not in your vehicle.
- Collision car insurance: This coverage is required by lenders and pays for your Nissan’s repairs if you crash into another car or crash into an object.
- Comprehensive car insurance: This coverage is required by lenders and pays for Nissan’s repairs if you hit an animal or your Nissan is damaged from weather, vandalism, or falling objects.
- Medical payments (MedPay) insurance: This coverage helps pay the medical bills of you or your passengers if you are injured in a car accident.
- Personal injury protection (PIP) insurance: This coverage helps pay medical bills and other related bills like lost wages if you or your passengers are injured in a car accident.
- Underinsured motorist insurance: This coverage helps pay your repair bills if you are hit by a driver who doesn’t have enough insurance coverage to pay for all of your accident costs.
- Uninsured motorist insurance coverage: This coverage pays your repair bills if you are hit by a driver who doesn’t have auto insurance coverage.
Your insurance company may also offer optional coverages that you may want to consider for your Nissan. Some add-on coverages that may be available are as follows:
- Gap insurance: This coverage helps pay the difference between what is left on your loan and what you are paid for the depreciated value of your car if your Nissan is totaled.
- Modified auto insurance: This coverage covers the higher cost of any modifications you made to your Nissan, such as a custom paint job. ((For more information, read our “Cheap Auto Insurance Companies That Allow Modifications“).
- Rental auto insurance: This coverage helps pay for a rental car if your Nissan is in the repair shop for more than a day or two, so you aren’t stuck without a car until your Nissan is fixed.
- Auto insurance roadside assistance: This coverage helps with emergency roadside assistance in a number of situations, from running out of gas to flat tires. Read more: Does auto insurance cover roadside assistance?
If adding one of the above coverages is in your budget and would be useful for your needs, then it may be worth adding to your auto insurance policy. Bear in mind that not all add-on coverages will be available at every auto insurance company.
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Nissan Auto Insurance Rates
Now that you have a better idea of the best Nissan auto insurance coverages you need, we want to go over how much does auto insurance cost on average. Unlike full coverage policies, minimum liability policies are the cheapest but lack collision and comprehensive insurance.
Unless your Nissan is old and greatly depreciated in value, it is usually well worth carrying a full coverage policy. Below, you can see the average rates for these coverages by different Nissan models.
Nissan Average Monthly Auto Insurance Rates by Model and Coverage Type
| Vehicle Model | Comprehensive | Collision | Liability | Full Coverage |
|---|---|---|---|---|
| 2023 Nissan Versa | $28 | $56 | $37 | $137 |
| 2023 Nissan Titan | $30 | $49 | $47 | $144 |
| 2023 Nissan Sentra | $27 | $59 | $37 | $139 |
| 2023 Nissan Rogue | $28 | $53 | $42 | $141 |
| 2023 Nissan Pathfinder | $31 | $47 | $37 | $131 |
| 2023 Nissan Murano | $31 | $53 | $37 | $137 |
| 2023 Nissan Maxima | $39 | $66 | $37 | $158 |
| 2023 Nissan Leaf | $32 | $64 | $42 | $153 |
| 2023 Nissan Juke | $28 | $55 | $42 | $141 |
| 2023 Nissan GT-R | $44 | $99 | $35 | $192 |
| 2023 Nissan Frontier | $29 | $50 | $42 | $139 |
| 2023 Nissan Armada | $30 | $52 | $35 | $131 |
| 2023 Nissan Altima | $32 | $59 | $37 | $145 |
| 2023 Nissan 370Z | $32 | $70 | $47 | $167 |
The most expensive Nissan models to purchase insurance for are the Nissan GT-R and Nissan 370Z. These models have some of the highest retail prices out of all the Nissan models, so their higher insurance price is relevant to the risk of insuring them. However, this does make it a little harder to buy cheap Nissan GT-R auto insurance or buy cheap Nissan 370Z auto insurance.
On the other hand, cheaper Nissan models cost less to insure. The Nissan models with the cheapest rates are the Nissan Armada and the Nissan Pathfinder. Both SUVs retail for about half of what the Nissan GT-R retails for.
Besides which model of Nissan you own, Nissan insurance providers will also consider factors like your age and your driving record. Below are the average rates for different Nissan models based on driver demographics and driving records.
Nissan Average Monthly Auto Insurance Rates by Model, Driving Record, and Age
| Vehicle Model | High Risk Driver | 20-Year-Old Driver | 30-Year-Old Driver | 40-Year-Old Driver | 50-Year-Old Driver | 60-Year-Old Driver |
|---|---|---|---|---|---|---|
| 2023 Nissan Versa | $292 | $311 | $143 | $137 | $125 | $122 |
| 2023 Nissan Titan | $307 | $326 | $150 | $144 | $131 | $129 |
| 2023 Nissan Sentra | $296 | $315 | $145 | $139 | $127 | $124 |
| 2023 Nissan Rogue | $301 | $320 | $147 | $141 | $129 | $126 |
| 2023 Nissan Pathfinder | $278 | $296 | $137 | $131 | $119 | $117 |
| 2023 Nissan Murano | $292 | $310 | $143 | $137 | $125 | $122 |
| 2023 Nissan Maxima | $335 | $357 | $164 | $158 | $144 | $141 |
| 2023 Nissan Leaf | $327 | $348 | $160 | $153 | $140 | $137 |
| 2023 Nissan Juke | $300 | $319 | $147 | $141 | $129 | $126 |
| 2023 Nissan GT-R | $409 | $435 | $200 | $192 | $175 | $171 |
| 2023 Nissan Frontier | $297 | $316 | $145 | $139 | $127 | $124 |
| 2023 Nissan Armada | $279 | $297 | $137 | $131 | $119 | $117 |
| 2023 Nissan Altima | $308 | $328 | $151 | $145 | $132 | $129 |
| 2023 Nissan 370Z | $355 | $378 | $174 | $167 | $152 | $149 |
Younger drivers will pay more for Nissan vehicle insurance as they lack driving experience, but they will find cheaper rates by choosing a Nissan that is cheaper to insure and more reliable in a crash. Younger drivers will also see their rates decrease as they age, as long as they keep a clean driving record.
This means no at-fault accidents, traffic tickets for moving violations, or DUIs. No matter what age you are, any incidents on your driving record will raise your insurance rates on your Nissan, as insurance companies will view you as more likely to file auto insurance claims.
How to Save on Nissan Auto Insurance
If you have an expensive Nissan like the Nissan GT-R, you are probably wondering what you can do to lower your auto insurance rates. The first thing you should do is see if there are any Nissan insurance discounts available at the insurance company that you haven’t applied for yet. Some companies may offer a usage-based discount if you participate in its safe driving program, for example.
If you haven’t already bundled insurance policies, a bundling discount can offer significant savings on your auto insurance policy. If your insurance company sells more than one type of insurance, you can bundle policies like home and auto insurance for a discount.
In addition to auto insurance discounts, you can also raise your deductible to lower your Nissan auto insurance rates. Insurance companies lower rates because you are taking on more financial responsibility for repairs after a crash if you raise your deductible.
Learn more: What is an auto insurance deductible?
However, we do caution that whatever you raise your deductible to, it is still an amount you can afford to pay out of pocket. Otherwise, you will be stuck waiting to get your Nissan repaired until you can come up with enough money to pay the deductible amount for repairs.
Finally, if you have taken advantage of discounts and raised your deductible, but insurance is still too high, the best thing to do is shop around for quotes. Auto insurance companies vary greatly in what rates they offer, so the company you are with may not be the cheapest. Getting Nissan auto insurance quotes and comparing them will ensure you are getting the best rate for your Nissan, whether you have a Nissan Versa or Nissan Altima.
Learn more:
We recommend getting quotes every time there is a major change to your policy, such as a change in address, adding a new driver, or a driving infraction. Some insurance companies offer cheaper rates for drivers with DUIs, for example, so your current company may not be offering the best cheap Nissan car insurance rate.
Picking the Right Nissan Auto Insurance Company
When choosing an auto insurance company for your Nissan. There are a few things to consider beyond just the rates they offer. You should also consider the following when choosing an auto insurance company.
- Coverage options. You want to choose a company that has all the auto insurance coverages you want, whether you are looking for roadside assistance or gap insurance. Read more: How much auto insurance coverage do you need?
- Customer complaints. You should consider the company’s complaint ratio, as a higher ratio of complaints suggests customers are dissatisfied with the company’s service or rates.
- Company ratings. You should also look at the company’s ratings from companies like J.D. Power or the Better Business Bureau (BBB) to see how the company’s reputation and customer service fare.
- Financial ratings. You should check the company’s financial ratings on sites like A.M. Best to make sure the company has a good financial reputation and is capable of paying out claims without financial distress.
Checking these things before you sign up with a new company will ensure that you end up with a cheap company with good customer service. Signing up with a cheap company is not worth it if its customer service and claims process is terrible.
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The Final Word on Cheap Nissan Auto Insurance
Nissan auto insurance can be more expensive if you own a Nissan with a higher retail price. However, there are plenty of things you can do to find cheap Nissan auto insurance, from raising your deductible to bundling insurance policies.
For those who want to dive right into shopping for cheap auto insurance for a Nissan, check out our free quote comparison tool. It will compare quotes from auto insurance companies in your area to help you find the best affordable Nissan auto insurance based on your coverage needs.
Frequently Asked Questions
How can I buy cheap Nissan auto insurance in 2023?
To buy cheap Nissan auto insurance in 2023, you can consider the following tips:
- Shop around for quotes: Obtain multiple quotes from different insurance companies to compare prices and coverage options.
- Maintain a good driving record: Having a clean driving record with no accidents or traffic violations can help you secure lower insurance premiums.
- Choose a higher deductible: Opting for a higher deductible means you’ll have to pay more out of pocket in the event of a claim, but it can lead to lower insurance premiums.
- Bundle policies: If you have other insurance policies, such as home or renters insurance, consider bundling them with your auto insurance to potentially receive a discounted rate.
- Explore available discounts: Inquire about any discounts for which you may be eligible, such as safe driver discounts, good student discounts, or discounts for installing anti-theft devices in your Nissan.
- Consider usage-based insurance: Some insurance companies offer usage-based insurance programs where your premium is based on your actual driving habits. If you’re a safe driver, this can lead to lower rates.
Does the model and year of my Nissan affect the insurance premium?
Yes, the model and year of your Nissan can affect the insurance premium. Generally, newer and more expensive models tend to have higher insurance premiums due to the cost of repairs or replacement parts. Additionally, certain Nissan models may be more prone to theft or have higher accident rates, which can impact insurance rates.
Are there any specific factors that insurance companies consider when determining the premium for a Nissan?
Yes, insurance companies consider various factors when determining the premium for a Nissan, including:
- Age and driving history of the primary driver
- Location where the vehicle is primarily driven and parked
- Annual mileage
- Safety features and anti-theft devices installed in the Nissan
- Claims history
- Credit history (in some cases)
- Coverage limits and deductible chosen
Are there any insurance discounts specifically available for Nissan owners?
Yes, some insurance companies offer discounts specifically for Nissan owners. These discounts can vary depending on the insurer, but commonly available discounts may include:
- Safety features discount: If your Nissan is equipped with safety features such as anti-lock brakes, airbags, or electronic stability control, you may qualify for a discount.
- Anti-theft device discount: Installing an anti-theft device in your Nissan, such as an alarm system or vehicle tracking system, may make you eligible for a discount.
- Good student discount: If you or a family member who drives the Nissan is a full-time student with good grades, you may be eligible for a discount.
- Multiple policy discount: Insuring your Nissan with the same company that provides your other insurance policies, such as home or renters insurance, could result in a discounted rate.
Can I get specialized insurance coverage for my modified Nissan?
Yes, it is possible to obtain specialized insurance coverage for a modified Nissan. Many insurance companies offer coverage options specifically tailored to modified vehicles. When insuring a modified Nissan, it’s important to provide detailed information about the modifications made to the vehicle, such as aftermarket parts, engine modifications, or cosmetic enhancements. This allows the insurance company to assess the value and risk associated with the modifications and provide appropriate coverage.
What is the cheapest Nissan model to insure?
The cheapest Nissan models to insure are the Nissan Pathfinder and the Nissan Armada.
Why is auto insurance high on a Nissan Altima?
A Nissan Altima isn’t the most expensive Nissan model to insure, so if your rates are high, consider shopping around for quotes to see if you can get a better deal.
Are Nissans more expensive to insure?
The cost of Nissan auto insurance depends on your model, driving record, age, and more. The most expensive model of Nissan to insure is the Nissan GT-R.
Why is a Nissan Maxima so expensive to insure?
A Nissan Maxima may have a higher insurance rate because it is prone to being stolen, but shopping around can help you find affordable car insurance for your Nissan. Learn how to buy cheap Nissan Maxima auto insurance.
Compare Quotes From Top Companies and Save
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Kristen Gryglik
Licensed Insurance Agent
Kristen is a licensed insurance agent working in the greater Boston area. She has over 20 years of experience counseling individuals and businesses on which insurance policies best fit their needs and budgets. She knows everyone has their own unique needs and circumstances, and she is passionate about counseling others on which policy is right for them. Licensed in Massachusetts, New Hampshire,...
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.