Nissans cost around $48 monthly for minimum coverage car insurance and $130 for full coverage. The automaker ranks 12th for full coverage and 13th for minimum coverage in our affordability study.
Nissan Car Insurance
Updated: June 18, 2025
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Key Takeaways
State Farm and GEICO offer the best and cheapest overall car insurance for Nissan vehicles with rates starting at $36 monthly.
Nissan auto insurance costs range from $359 to $3,365 annually for most drivers, but this can depend on various factors like age, model, and coverage type chosen.
Nissan car insurance is generally more affordable than many top automotive brands, ranking 12th out of 23 automakers we studied for both minimum and full coverage.
How Much Is Nissan Insurance on Average?
Coverage Level | Average Monthly Rate | Average Annual Rate | Affordability Ranking (Out of 23) |
|---|---|---|---|
Minimum Coverage | $48 | $576 | 13th |
Full Coverage | $130 | $1,559 | 12th |
*Rates are for a 40-year-old driver with good credit and no driving violations insuring 2012 to 2022 models.
Nissan Car Insurance Cost by Model
Our research shows the Nissan GT-R is the priciest Nissan to insure, with average monthly rates of $49 for state minimum coverage and $208 for full coverage. The Nissan 370Z is the most affordable, costing about $48 monthly for state minimum coverage and $142 for full coverage.
| Nissan LEAF | $610 | $1,405 |
| Nissan 350Z | $591 | $1,336 |
| Nissan Juke | $666 | $1,373 |
| Nissan Sentra | $682 | $1,435 |
| Nissan Maxima | $640 | $1,616 |
| Nissan Versa | $654 | $1,374 |
| Nissan GT-R | $588 | $2,449 |
| Nissan Frontier | $637 | $1,361 |
| Nissan Altima | $667 | $1,495 |
| Nissan Rogue | $638 | $1,337 |
| Nissan Pathfinder | $654 | $1,390 |
| Nissan 370Z | $572 | $1,545 |
*Rates are for a 40-year-old driver with good credit and no driving violations for model years ranging from 2012 to 2022.
Nissan Car Insurance Cost by Model Year
Typically, we have found that the pricier and newer your car is, the higher your insurance costs will be, and the opposite holds true for older, less expensive cars. Below, compare costs for your Nissan vehicle by model and year.
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Model Year:2004
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Nissan Model:Nissan 350Z
| Nissan 350Z | $571 | $1,265 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Nissan Car Insurance Cost by Age
Nissan insurance costs range from $591 to $6,928 annually, influenced by your age and chosen coverage. Teens typically face the highest rates, which tend to lower until around age 60. Past that milestone, premiums nudge up as you grow older. The table below illustrates the impact of age on Nissan insurance expenses.
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Age:16
| 16 | $3,070 | $6,928 |
*Rates are for a driver with good credit and no driving violations.
Is Nissan Insurance Expensive?
Nissans are slightly less expensive to insure than average, ranking 13th and 12th overall respectively for minimum and full coverage. Their competitive value and part costs can make owning and insuring one less expensive than other brands. Nissan is also middle of the pack according to a LendingTree study done on driving incidents, potentially affecting insurance rates.
How Expensive Is Nissan Insurance Compared to Similar Vehicles?
To put into perspective how expensive Nissan is in comparison with other major makes, we've compared rates for a 2024 Nissan Altima to comparable sedans in terms of MSRP. We found that minimum coverage rates are 8% higher and full coverage rates are up to 10% more expensive. In states like California, Hawaii, or Massachusetts, car insurance companies can't use age to set rates. Instead, they look at your driving record, car type, and where you live to figure out your premium.
Make and Model | Average MSRP | Annual Minimum Coverage Rate | Annual Full Coverage Rate |
|---|---|---|---|
$32,360 | $658 | $1,681 | |
$31,493 | $617 | $1,569 | |
$26,355 | $613 | $1,616 | |
$34,488 | $607 | $1,507 |
Cheapest Nissan Car Insurance Companies
The cheapest overall car insurance company for Nissan vehicles is State Farm, with average monthly rates of $36 for minimum coverage and $100 for full coverage. GEICO, Travelers, Nationwide, and Progressive also offer affordable rates for Nissan insurance.
| State Farm | $36 | $100 |
| GEICO | $39 | $108 |
| Travelers | $45 | $125 |
| Nationwide | $49 | $125 |
| Progressive | $54 | $146 |
Cheapest Car Insurance by Model
While the above companies offer the most affordable rates overall, State Farm provides the cheapest car insurance for the Nissan Altima, Rogue, and Sentra. Meanwhile, GEICO is the best bet for Nissan Versa owners looking for value.
| Nissan 350Z | State Farm | $32 | $84 |
| Nissan 370Z | State Farm | $35 | $102 |
| Nissan Altima | State Farm | $37 | $99 |
| Nissan Frontier | State Farm | $36 | $91 |
| Nissan GT-R | State Farm | $36 | $158 |
| Nissan Juke | State Farm | $37 | $87 |
| Nissan LEAF | State Farm | $36 | $95 |
| Nissan Maxima | State Farm | $36 | $107 |
| Nissan Pathfinder | State Farm | $35 | $97 |
| Nissan Rogue | State Farm | $36 | $92 |
| Nissan Sentra | State Farm | $37 | $91 |
| Nissan Versa | State Farm | $38 | $89 |
Cheapest Nissan Car Insurance by Model Year
Explore the table below for the most affordable Nissan car insurance tailored to your model and year.
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Model:Nissan 350Z
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Model Year:2004
| State Farm | $359 | $1,045 |
| GEICO | $452 | $1,117 |
| Nationwide | $497 | $1,201 |
| Farmers | $548 | $1,312 |
| Travelers | $522 | $1,373 |
Cheapest Nissan Car Insurance by Age
The lowest overall Nissan Insurance rates by age vary anywhere from $57 per month to $678 monthly, offered by State Farm. Below, you'll find the top five most affordable providers broken down by different ages for Nissan vehicles.
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Age:40
| State Farm | $490 | $1,204 |
| GEICO | $517 | $1,291 |
| Travelers | $615 | $1,502 |
| Nationwide | $695 | $1,499 |
| Allstate | $702 | $1,757 |
Best Car Insurance for Nissan Vehicles
From our research, we found that the best overall companies to insure your Nissan with are State Farm, GEICO, Travelers, Nationwide, and Farmers. Each company has a great mix of low rates, extensive coverage options, and good customer service reputations.
| State Farm | 90 |
| GEICO | 88 |
| Travelers | 85 |
| Nationwide | 83 |
| Farmers | 80 |
State Farm: Best for Most Nissan Drivers
pros
High customer satisfaction ratings
Lowest rates for most Nissan drivers
Extensive discounts for young drivers
cons
Less coverage options than other providers
COMPANY HIGHLIGHTS
For most Nissan vehicles, State Farm has the cheapest rates overall for their vehicles, regardless of driver profile. However, where the company stands out most is its higher-than-average customer service and claims satisfaction, ranking within the top five for overall satisfaction in 42 out of 52 states (top three in 15 out of 50). They also offer particularly attractive discounts for drivers under 25, with reductions for students and a defensive driving program that can save you up to 20%.
GEICO: Best for New Nissan Owners
pros
Most affordable rates for newer Nissan models
Great customer satisfaction ratings in the North East and for their Usage-based program
Most extensive discount selection, especially for federal employees and military
cons
Lower than average customer service ratings nationwide
COMPANY HIGHLIGHTS
GEICO is the second-best and second-most-affordable option for most Nissan drivers; however, it is the best option for newer models. Out of all of the providers on our list, GEICO also offers the most extensive discount selections with unique premium reductions for federal employees, military, and younger drivers that can save you up to 25%. For those in New England, Texas and New York, the company ranks within the top for overall customer satisfaction and second nationwide for their usage-based discount program DriveEasy (Which can save you up to 30% on premiums).
Nationwide: Best Car Insurance Coverage Options for Nissan Owners
pros
Offers a pay-per-mile program and unique add-on coverages
Low cost full coverage policies for Nissan vehicles
Highest-rated usage-based discount program in the country
cons
Expensive minimum coverage policies
Much lower than average customer satisfaction nationwide
COMPANY HIGHLIGHTS
Nationwide is frequently within the top three most affordable full coverage car insurance policies for Nissan vehicles. The company offers coverage options for a pay-per-mile car insurance program called SmartMiles and a vehicle value upgrade add-on that replaces your car with a new vehicle of comparable value if your car is totaled. The company also has the best customer satisfaction rating for their usage-based car insurance discount program SmartRide, according to J.D. Power (tied for the largest possible discount in the nation of up to 40%)
How to Find the Best Cheap Car Insurance Company for Your Nissan
Discover how to find affordable insurance for your Nissan with straightforward tips.
- 1
Assess your needs
Determine the insurance coverage suitable for you, your comfort level with deductibles, and any optional coverages that could save costs in an accident. Use tools like our car insurance coverage needs calculator to receive tailored advice and explore your options.
- 2
Research average costs and discounts
Investigate the insurance costs for your Nissan vehicle to understand potential savings. Check for available discounts tailored to your vehicle and driver profile, allowing you to secure the most advantageous rates.
- 3
Compare multiple providers
Collect quotes and evaluate company reputations, available discounts, and specific coverage offerings. This comprehensive approach maximizes the chances of finding affordable insurance that meets your requirements.
Nissan Auto Insurance Cost: Bottom Line
Nissan vehicle insurance costs rank 12th and 13th for full and state minimum coverage, respectively, among 23 automakers in the U.S. While not the cheapest, affordable options exist. We advise comparing quotes from multiple providers for the best deal.
Nissan Car Insurance: FAQ
Below are MoneyGeek expert answers to frequently asked questions about Nissan car insurance.
Which insurance company is the cheapest for Nissan?
The most affordable insurance companies for Nissan vehicles, offering competitive rates for both state minimum and full coverage policies, are State Farm, GEICO and Travelers.
How much is Nissan car insurance?
The average monthly cost for full coverage Nissan car insurance is $130, while annually it’s $1,559. For state minimum coverage, expect to pay about $48 monthly and $576 annually.
Is car insurance on a Nissan more expensive?
Car insurance for a Nissan can be more affordable due to its wide range of models catering to different market segments, often resulting in competitive insurance premiums.
Which Nissan model is the cheapest to insure?
The Nissan 370Z is the cheapest to insure due to its low value and repair costs.
How We Determined Nissan Auto Insurance Costs
We calculated Nissan insurance costs using data from Quadrant Information Services. Rates are based on the following driver profile:
- 40-years-old
- Good credit
- No driving violations
- 12,000 miles driven annually
Coverages used for minimum coverage are based on state requirements. Full coverage includes a 100/300/100 liability insurance split and comprehensive and collision coverage with a $1,000 deductible.
How We Chose Best and Cheapest Car Insurance for Nissans
To calculate the best car insurance for Nissan vehicles, MoneyGeek used a comprehensive scoring system based on five key factors:
- Customer satisfaction (35%): Measured using J.D. Power's study and the National Association of Insurance Commissioners (NAIC) complaint index
- Affordability (30%): Assessed by comparing rates from Quadrant Information Services
- Claims (20%): Evaluated through the J.D. Power Claims Study and CRASH Report Card
- Coverage (10%): Focused on roadside assistance, rental car reimbursement, OEM coverage and gap insurance
- Stability (5%): Determined by AM Best ratings on financial health
Data Sources
- AM Best: Financial strength ratings for insurers
- J.D. Power: Industry research and analytics
- NAIC: Consumer complaint and insurance data
- Quadrant Information Services: Car insurance pricing and comparative data
Analysis
MoneyGeek reviewed 80,676 quotes from seven companies using a standard driver profile (male, 40 years old, single, clean record) while adjusting for age, location and driving history.
Coverage Levels and Deductibles
- Minimum coverage: Covers damage to other's property
- Full coverage: Includes comprehensive (e.g., fire, weather) and collision (e.g., accidents) insurance
- Deductibles: Out-of-pocket costs before insurance payment starts
The term 100/300/100 means:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
Learn more about MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.