Nissan GT-R insurance averages $132 monthly for minimum coverage and $258 for full coverage. Your specific trim and model year affect rates, which range from $75 to $353 monthly.
Nissan GT-R Insurance Cost
Updated: October 24, 2025
Key Takeaways
Nissan GT-R insurance costs range from $75 to $177 monthly for minimum coverage, with rates varying based on model year and trim level.
The GT-R ranks 674th out of 827 vehicles for insurance affordability, placing it among the more expensive cars to insure in today's market.
UAIC offers the most affordable Nissan GT-R insurance at $193 monthly for full coverage, while minimum coverage policies start at $90 per month.
How Much Is Nissan GT-R Insurance?
| Nissan Gt-R | $132 | $258 |
Nissan GT-R Insurance Cost by Model Year
Your GT-R's model year and trim options determine insurance rates, with newer models costing more due to higher value. Monthly premiums range from $103 for older models to $315 for newer years.
| 2024 | $124 | $246 |
| 2023 | $126 | $250 |
| 2021 | $124 | $247 |
| 2020 | $104 | $207 |
| 2019 | $150 | $293 |
| 2018 | $145 | $283 |
| 2017 | $163 | $315 |
| 2016 | $151 | $293 |
| 2015 | $146 | $282 |
| 2014 | $134 | $259 |
| 2013 | $128 | $247 |
| 2012 | $118 | $229 |
| 2011 | $112 | $218 |
| 2010 | $107 | $207 |
| 2009 | $103 | $199 |
Nissan GT-R Insurance Cost by Trim
Your Nissan GT-R trim affects insurance rates based on features, rarity, desirability and market value. Monthly premiums range from $103 for base models to $314 for special editions like the Nismo.
| Coupe 2d | $103 | $200 |
| Skyline Edition Coupe 2d | $106 | $211 |
| T-Spec Coupe 2d | $108 | $214 |
| Premium Coupe 2d | $119 | $232 |
| Black Edition Coupe 2d | $132 | $257 |
| Pure Coupe 2d | $138 | $268 |
| Track Edition Coupe 2d | $144 | $281 |
| Nismo Coupe 2d | $156 | $308 |
| Nismo Special Edition Coupe 2d | $158 | $314 |
Compare Personalized Nissan GT-R Insurance Costs
We broke down Nissan GT-R insurance costs by model year and trim for more accurate estimates.
Data filtered by:
2009
Coupe 2d
| Coupe 2d | $98 | $190 |
Nissan GT-R Insurance Cost by Company
Nissan GT-R insurance varies by provider from $144 to $268 monthly. Minimum coverage ranges from $90 to $190, while full coverage costs $193 to $380. Insurers use different risk assessment models, creating this range.
| AAA | $156 | $323 |
| AIG | $155 | $380 |
| Allstate | $179 | $346 |
| Amica | $162 | $331 |
| Chubb | $160 | $314 |
| Farmers | $190 | $339 |
| GEICO | $90 | $197 |
| Kemper | $94 | $194 |
| Nationwide | $137 | $238 |
| Progressive | $142 | $266 |
| State Farm | $123 | $258 |
| The Hartford | $122 | $208 |
| Travelers | $108 | $200 |
| UAIC | $156 | $193 |
Nissan GT-R Insurance Cost by State
Car insurance for a Nissan GT-R varies dramatically by location, from $60 monthly in Wyoming to $523 in Louisiana.
| Alabama | $114 | $216 |
| Alaska | $109 | $235 |
| Arizona | $148 | $276 |
| Arkansas | $109 | $241 |
| California | $126 | $259 |
| Colorado | $131 | $314 |
| Connecticut | $166 | $288 |
| Delaware | $165 | $276 |
| Florida | $147 | $343 |
| Georgia | $168 | $281 |
| Hawaii | $69 | $157 |
| Idaho | $80 | $163 |
| Illinois | $119 | $223 |
| Indiana | $83 | $161 |
| Iowa | $77 | $186 |
| Kansas | $99 | $228 |
| Kentucky | $155 | $265 |
| Louisiana | $246 | $523 |
| Maine | $71 | $148 |
| Maryland | $184 | $311 |
| Massachusetts | $132 | $280 |
| Michigan | $196 | $380 |
| Minnesota | $107 | $225 |
| Mississippi | $114 | $226 |
| Missouri | $144 | $288 |
| Montana | $107 | $256 |
| Nebraska | $96 | $220 |
| Nevada | $200 | $363 |
| New Hampshire | $94 | $167 |
| New Jersey | $187 | $309 |
| New Mexico | $110 | $242 |
| New York | $140 | $251 |
| North Carolina | $91 | $181 |
| North Dakota | $85 | $185 |
| Ohio | $99 | $191 |
| Oklahoma | $128 | $283 |
| Oregon | $137 | $238 |
| Pennsylvania | $115 | $271 |
| Rhode Island | $161 | $286 |
| South Carolina | $118 | $222 |
| South Dakota | $80 | $249 |
| Tennessee | $104 | $210 |
| Texas | $164 | $333 |
| Utah | $122 | $209 |
| Vermont | $61 | $148 |
| Virginia | $115 | $186 |
| Washington | $115 | $214 |
| West Virginia | $119 | $242 |
| Wisconsin | $89 | $196 |
| Wyoming | $60 | $179 |
Nissan GT-R Insurance Cost by Driver Profile
Your driving profile dramatically affects Nissan GT-R insurance costs. Young drivers under 25 pay the highest rates at $496 monthly on average, while adult drivers between 26-64 enjoy the most affordable premiums at just $195 monthly.
| Adult Drivers | $132 | $258 |
| Young Drivers | $337 | $654 |
| Senior Drivers | $177 | $327 |
| Drivers With a Speeding Ticket | $164 | $324 |
| Drivers With an Accident | $194 | $378 |
| Drivers With a DUI | $241 | $466 |
| Drivers With Bad Credit | $325 | $655 |
Is a Nissan GT-R Expensive to Insure?
Compared to the rest of the models on the U.S. market, a Nissan GT-R ranks 674th out of 827, making it one of the more expensive cars to insure. Among sports cars, the model ranks as a more expensive vehicle out of 59.
| Mazda MX-5 Miata | $71 | $137 |
| Saturn Sky | $74 | $143 |
| Honda S2000 | $74 | $144 |
| Pontiac Firebird | $76 | $146 |
| Toyota Celica | $76 | $146 |
| Mazda RX-8 | $78 | $150 |
| Ford Thunderbird | $79 | $154 |
| Nissan 350Z | $82 | $158 |
| Pontiac Solstice | $82 | $159 |
| Chrysler Crossfire | $83 | $161 |
| Bmw Z3 | $85 | $165 |
| Porsche Boxster | $85 | $165 |
| Alfa Romeo 4C | $88 | $172 |
| Ford Mustang | $88 | $171 |
| Chevrolet SS | $91 | $177 |
| Scion FR-S | $94 | $181 |
| Cadillac XLR | $96 | $186 |
| Porsche Cayman | $96 | $186 |
| Chevrolet Camaro | $97 | $189 |
| Bmw Z4 | $98 | $190 |
| Fisker Karma | $98 | $190 |
| Nissan 370Z | $99 | $191 |
| Mercedes SLC | $102 | $199 |
| Toyota 86 | $103 | $199 |
| Toyota Supra | $104 | $203 |
| Chevrolet Corvette | $104 | $202 |
| Tesla Roadster | $107 | $208 |
| Mercedes SLK-Class | $111 | $214 |
| Subaru BRZ | $112 | $215 |
| Jaguar F-Type | $111 | $218 |
| Toyota GR86 | $112 | $217 |
| Bmw Z4 M | $113 | $222 |
| Bmw M6 | $117 | $230 |
| Mercedes SL | $119 | $233 |
| Karma Revero | $120 | $235 |
| Lexus LC | $120 | $235 |
| Bmw M2 | $124 | $242 |
| Dodge Viper | $130 | $253 |
| Nissan GT-R | $132 | $258 |
| Acura NSX | $132 | $259 |
| Mercedes CLE | $133 | $261 |
| Nissan Z | $136 | $267 |
| Bentley Continental | $136 | $268 |
| Porsche 718 | $138 | $271 |
| Dodge Charger | $141 | $272 |
| Audi R8 | $143 | $280 |
| Porsche Panamera | $146 | $287 |
| Bmw M4 | $150 | $294 |
| Porsche 911 | $151 | $297 |
| Bmw 8-series | $155 | $306 |
| Mercedes SLS-Class | $158 | $314 |
| Maserati Gran Turismo | $161 | $318 |
| Bmw i8 | $169 | $335 |
| Fiat 124 Spider | $182 | $353 |
| Dodge Challenger | $191 | $371 |
| Porsche Taycan | $231 | $454 |
| Karma Gysera | $284 | $556 |
| Karma Invictus | $300 | $588 |
| Karma Kaveya | $486 | $954 |
Factors That Affect Nissan Car Insurance Costs
Multiple factors affect your Nissan GT-R insurance costs:
- Gender (87.9% male): Extremely male-dominated ownership correlates with higher insurance risk profiles and aggressive driving patterns.
- Income (high six-figures typical): Affluent buyers often purchase GT-Rs as performance toys, suggesting discretionary rather than necessity-based ownership.
- Usage patterns: Many owners use GT-Rs for track days and spirited driving, increasing claim risks and insurance costs.
- Age profile: Appeals to mature automotive enthusiasts who can afford supercar ownership and maintenance costs.
Average Repair or Replacement Costs
Nissan ranks ninth in repair affordability among 59 U.S. automakers with median annual costs of $687. Nissan GT-R repair costs average $1,857 annually, making it Nissan's most expensive model to repair while still contributing to higher insurance premiums.
Vehicle Trim, Features and Accessories
The 2024 GT-R lineup spans from the Premium ($122,885 MSRP) to the ultimate NISMO ($222,985 MSRP), with T-spec models at $141,090.
All variants feature the hand-built twin-turbo 3.8-liter VR38DETT V6: Premium and T-spec produce 565 horsepower, while NISMO delivers 600 horsepower with enhanced aerodynamics and carbon-fiber components. Higher trims feature increasingly exotic materials and technologies: carbon-ceramic brakes, RAYS forged wheels, Recaro racing seats, and extensive carbon-fiber bodywork.
Fuel Type
The GT-R demands premium unleaded gasoline (91+ octane) and delivers EPA ratings of only 16 city/22 highway/18 combined MPG, among the thirstiest in its class. The twin-turbocharged engine's prodigious appetite results in fuel costs exceeding $2,500 to $3,000 annually for average drivers.
Insurance companies factor the GT-R's premium fuel requirement and fuel economy into risk calculations, as these characteristics correlate with performance-oriented driving patterns.
Location
All GT-R models are manufactured at Nissan's Tochigi plant in Japan by master Takumi craftsmen, creating supply chain challenges and elevated parts costs globally. The GT-R's supercar classification makes it a prime target for theft and vandalism, particularly in urban markets with higher crime rates.
The vehicle's extreme performance capabilities and exotic status result in higher claim frequencies and more severe accident damage compared to mainstream vehicles.
Driver Profile
The GT-R attracts an exclusive demographic with 87.9% male ownership, ranking 7th highest among all vehicles for male buyers. Forum data shows owners usually earn well into six-figure incomes.
Cheapest Nissan GT-R Insurance Companies
GT-R drivers can find the most affordable full coverage car insurance through UAIC, with average monthly premiums of $193. For minimum coverage policies, GEICO offers the cheapest rates at $90 monthly for GT-R owners.
| Kemper | $94 | $194 |
| GEICO | $90 | $197 |
| Travelers | $108 | $200 |
| The Hartford | $122 | $208 |
| UAIC | $156 | $193 |
Cheapest Nissan GT-R Insurance by State
We found these three cheapest insurance providers by state for a Nissan GT-R:
- Auto-Owners: Wins for affordability in 14 states
- GEICO: Wins for affordability in six states
- Farm Bureau: Wins for affordability in four states
You can filter below to see who offers the most affordable auto insurance rates for your Nissan GT-R.
Data filtered by:
Alabama
| Alabama | Auto Owners | $55 |
How to Get the Best Cheap Nissan GT-R Insurance
Below we explore the top car insurance discounts available for your Nissan GT-R:
- 1Choose the right coverage
Three things matter when choosing how much coverage to buy: what your Nissan's worth, how much you drive and what you can afford to spend:
Tight budget (you own the car):
- Your state's minimum liability requirements
- Add comprehensive and collision with a $1,000 deductible
Want better protection (you own the car):
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
Financing or leasing:
- 100/300/100 liability coverage
- Comprehensive and collision with a $500 deductible
- Gap insurance (most lenders require this)
*Coverage Limits Explained (100/300/100):
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage coverage
- 2Research costs and cheap companies
Research average auto insurance costs for your car to see how much you're saving currently and with another provider. Then look for the cheapest car insurance companies.
- 3Look for more than just low rates
To get balanced insurance for your Nissan GT-R, check forum reviews, J.D. Power customer satisfaction scores, Better Business Bureau complaint records and AM Best financial strength ratings while comparing coverage limits and deductibles.
Some low-cost insurers have slower claim processing times or limited coverage options that could leave you underinsured in an accident.
- 4Explore discounts you qualify for
Finding car insurance discounts you'll likely qualify for helps ensure you get the cheapest rate possible. These five discounts are the most likely for Nissan GT-R owners:
- Multi-Car/Multi-Vehicle Discount (12% to 25% savings): GT-R owners' high incomes (median household earnings often exceed $150,000) usually mean multiple vehicles in the household, making multi-car discounts from virtually all insurers a strong possibility for substantial savings.
- Bundling/Multi-Policy Discount (5% to 25% savings): With homeownership rates reaching 85% among high-income professionals, GT-R owners can bundle auto and home insurance for savings from major carriers.
- Good Driver/Safe Driver Discount (5% to 30% savings): GT-R owners' mature age profile (average age 46-51 years) and established professional careers usually result in clean driving records that qualify them for good driver discounts.
- Safety Features/Advanced Safety Discount (5% to 40% savings): While the GT-R focuses on performance over safety awards, its built-in features like stability control and advanced braking systems help you avoid crashes. Several insurance companies will knock money off your bill for these standard safety technologies.
- Professional/Occupation Discount (5% to 15% savings): GT-R buyers often work in high-earning fields like engineering, finance and technology. Many insurers offer discounts for professionals in these lower-risk occupations, recognizing their responsible approach to vehicle ownership and maintenance.
- 5Consider alternative car insurance types
Nissan GT-R owners should consider usage-based insurance or programs like Progressive Snapshot that reward safe driving habits with lower premiums.
- 6Check rates every year
Comparing car insurance quotes from multiple sources can cut your Nissan GT-R insurance by up to 24%. Your best deal today might not exist next year, so make comparing rates an annual habit.
Nissan GT-R Insurance Cost: Bottom Line
Insuring a Nissan GT-R costs more than average, but you can still find competitive rates. Shop multiple companies, explore discounts and consider different coverage options to get the best rate for your car.
Nissan GT-R Insurance Rates: FAQ
Here are answers to common questions about insuring a Nissan GT-R.
What is the average cost of car insurance for a Nissan GT-R?
The Nissan GT-R's average annual insurance cost is $1,585 for state minimum and $3,100 for full coverage.
What company has the cheapest car insurance for a Nissan GT-R?
GT-R drivers can find the most affordable full coverage car insurance through UAIC, with average monthly premiums of $193. For minimum coverage policies, GEICO offers the cheapest rates at $90 monthly for GT-R owners.
Are Nissan GT-Rs expensive to insure?
Yes, Nissan GT-R insurance costs more than most cars. Out of 827 vehicles we track, the GT-R ranks 674th for affordability.
What factors affect insurance costs for Nissan GT-Rs?
Several things drive up your Nissan GT-R rates. Repairs cost more because of specialized parts and the aluminum body. Your driving record and credit score, plus the coverage you pick, play a big role. Where you live affects rates, too. Areas with more theft or fewer GT-R-certified repair shops cost more.
How can I lower Nissan GT-R insurance costs?
Shop around with multiple insurers as rates vary for GT-Rs, and consider usage-based insurance programs that track your driving habits. Take advantage of Nissan's safety features when discussing discounts, bundle with other policies and maintain a clean driving record to qualify for the lowest premiums.
How We Determined Nissan GT-R Insurance Costs
We analyzed hundreds of millions of insurance quotes for every car model sold in the U.S. from 2000 to 2025 to provide the most accurate estimate of Nissan GT-R insurance costs.
Who We Based These Rates On
The Nissan GT-R insurance prices below are based on what a typical driver might pay:
- 40-year-old unmarried male
- Clean driving record (no tickets or accidents)
- Good credit score
- No previous insurance claims
- Drives about 12,000 miles per year
- Holds a valid driver’s license with no suspensions
Coverage Definitions:
- Minimum Coverage: State-required liability limits
- Full Coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.