Nissans cost $48 monthly for minimum coverage and $130 for full coverage. The automaker ranks 12th for full coverage and 13th for minimum coverage in our affordability study. Compare model-specific insurance premiums across the entire range at car insurance rates by vehicle.
Nissan Car Insurance
Updated: May 14, 2026
Advertising & Editorial Disclosure
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
The Nissan GT-R costs the most to insure among Nissan models at $49 a month for minimum coverage and $208 for full coverage. The Nissan 370Z is the least expensive at $48 a month for 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
Newer and more expensive vehicles usually come with higher car insurance costs. The opposite is true for older, less costly models. You can compare rates for your Nissan by model and year in the table that follows.
Data filtered by:
2004
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 $591 to $6,928 annually depending on your age and coverage. Teens pay the highest rates, which drop until age 60. After 60, premiums increase with age. The table below shows how age affects Nissan insurance costs.
Data filtered by:
16
| 16 | $3,070 | $6,928 |
*These rates reflect drivers with good credit and clean driving records.
Is Nissan Insurance Expensive?
Nissans cost less to insure than average, ranking 13th and 12th overall for minimum and full coverage. Their value and part costs make owning and insuring one cheaper than other brands. A LendingTree study shows Nissan drivers have average driving incidents, which affects rates.
How Expensive Is Nissan Insurance Compared to Similar Vehicles?
We compared a 2024 Nissan Altima to similar sedans by MSRP. Minimum coverage rates are 8% higher and full coverage rates are 10% more expensive. In California, Hawaii and Massachusetts, insurers can't use age to set rates. They use your driving record, car type and location instead.
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
State Farm has the lowest car insurance rates for Nissan owners: $36 monthly for minimum coverage and $100 for full coverage. GEICO, Travelers, Nationwide and Progressive charge competitive prices as well.
| State Farm | $36 | $100 |
| GEICO | $39 | $108 |
| Travelers | $45 | $125 |
| Nationwide | $49 | $125 |
| Progressive | $54 | $146 |
Cheapest Car Insurance by Model
Among the companies listed above, State Farm offers the lowest rates for drivers of the Nissan Altima, Rogue, and Sentra. Nissan Versa owners, on the other hand, may find the best value with GEICO, which posts the most competitive pricing for that model.
| 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.
Data filtered by:
Nissan 350Z
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
State Farm's Nissan rates range from $57 to $678 a month depending on driver age. The table breaks down the five most affordable insurers by age group:
Data filtered by:
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
State Farm, GEICO, Travelers, Nationwide and Farmers are the most competitive insurers for Nissan vehicles. Each has good prices for at least one driver profile and backs that pricing with strong coverage options and claims performance.
| State Farm | 90.36 |
| GEICO | 88.48 |
| Travelers | 85.46 |
| Nationwide | 83.48 |
| Farmers | 80.43 |
State Farm: Best for Most Nissan Drivers
pros
Lowest rates for most Nissan drivers across all age groups
Top-five overall satisfaction ranking in 42 of 52 states; top three in 15
Student and defensive driving discounts save up to 20% for drivers under 25
cons
Fewer coverage add-on options than some competitors
COMPANY HIGHLIGHTS
State Farm costs less than any other insurer for most Nissan vehicles regardless of driver profile. Its claims satisfaction record supports that, where it's in the top five in 42 states and top three in 15.
Drivers under 25 get the most from State Farm's discount structure: student reductions and a defensive driving program each cut premiums, and they stack.
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-cheapest option for most Nissan drivers and the best choice for newer models. GEICO offers the most extensive discounts, with unique reductions for federal employees, military members and younger drivers that save up to 25%. In New England, Texas and New York, GEICO ranks at the top for customer satisfaction and second nationwide for its DriveEasy program (saves up to 30%).
Nationwide: Best Car Insurance Coverage Options for Nissan Owners
pros
Pay-per-mile program and distinctive add-on coverage options
Competitive full coverage rates for Nissan vehicles
Highest-rated usage-based discount program nationally, per J.D. Power
cons
Minimum coverage rates are above average
Customer satisfaction scores are well below the national average
COMPANY HIGHLIGHTS
Nationwide ranks in the top three for affordable full coverage policies for Nissan vehicles. The company offers SmartMiles, a pay-per-mile program, and a vehicle value upgrade add-on that replaces your totaled car with a new vehicle of comparable value. Nationwide has the best customer satisfaction rating for its SmartRide program per J.D. Power, tied for the largest discount nationwide at 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.
- 1Assess your needs
Choose coverage that fits your budget and deductible comfort level. Add optional coverages that reduce costs after accidents. Use our car insurance coverage needs calculator for tailored advice.
- 2Research average costs and discounts
Check insurance costs for your Nissan model to spot savings opportunities. Look for discounts matching your vehicle and driver profile to get the best rates.
- 3Compare multiple providers
Collect quotes and review company reputations, discounts and coverage options. Comparing providers helps you find affordable insurance that fits your needs.
Nissan Auto Insurance Cost: Bottom Line
Nissan ranks 12th for full coverage and 13th for minimum coverage affordability among 23 automakers. Rates vary enough between insurers that comparing quotes from at least three is the fastest way to find the lowest available price.
Nissan Car Insurance: FAQ
Which insurance company is the cheapest for Nissan?
State Farm, GEICO and Travelers offer the cheapest rates for Nissan vehicles for both state minimum and full coverage.
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?
Nissan insurance is more affordable because the brand offers multiple models across different price points, creating competitive 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 carries the most weight at 35%, measured using J.D. Power's study and the NAIC complaint index. Affordability follows at 30%, based on rate data from Quadrant Information Services. Claims account for 20%, drawn from the J.D. Power Claims Study and the CRASH Report Card. Coverage makes up 10%, focusing on roadside assistance, rental car reimbursement, OEM coverage and gap insurance. Financial stability rounds out the score at 5%, per AM Best ratings.
Data Sources
MoneyGeek scored insurers across five weighted factors: customer satisfaction (35%), measured using J.D. Power study scores and NAIC complaint data; affordability (30%), from Quadrant Information Services rate data; claims (20%), from the J.D. Power Claims Study and CRASH Report Card; coverage (10%), evaluated for roadside assistance, rental reimbursement, OEM parts coverage and gap insurance availability; and financial stability (5%), from AM Best ratings.
Analysis
Rate data is from 80,676 quotes across seven companies. Data is from Quadrant Information Services. The base profile is a 40-year-old single man with a clean record, adjusted for age, location and driving history.
Coverage Levels and Deductibles
Minimum coverage pays for damage you cause to others' property and meets state liability requirements. Full coverage adds comprehensive (fire, weather, theft) and collision (accidents) to that base. The deductible is what you pay out of pocket before the insurer covers the rest.
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 (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data, and no insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.