Compare Nissan Car Insurance Rates (2023)

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.

There are various factors that affect car insurance rates. Below you’ll find some of the common factors insurers consider when setting rates:

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:

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.

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.

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.

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