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The average cost of Nissan car insurance is $3,000 per year. But depending on your driving record, location, insurance company, and the model of Nissan you drive, the cost of your insurance can vary.
Insurance rates vary between providers and from person to person, so no one company will have the best rates for anyone driving a Nissan. A driver with a 2001 Nissan Altima and tickets on their record will need different coverage and pay a different rate than someone with a 2022 Nissan Sentra and a clean driving record. So what’s the easiest way to find cheap car insurance rates?
Use Jerry! A licensed insurance broker and America’s most trusted app for car owners, Jerry gathers quotes from the top insurance companies to find the best rates based on you and the type of Nissan you have. In this article, we’ll go over all the factors that affect the cost of Nissan insurance and share some tips to help you find the best car insurance rate.
How much does Nissan car insurance cost?
The average annual cost of car insurance coverage for a Nissan vehicle is $3,000However, the cost of insurance premiums for drivers with Nissans will vary depending on the model driven as well as driving history, coverage levels, insurance company, and location.
If you’re planning to insure a Nissan, you can expect prices to be relatively average. This is due to a few different factors:
- Nissans are widely produced and popular vehicles. As there is a demand for them, replacement parts are usually easy to find and inexpensive.
- Several Nissan models have earned ‘Top Safety Pick’ from IIHS (Insurance Institute for Highway Safety). A safer vehicle makes driving less of a risk.
- Nissan is reliable, dependable, and performance-driven, so you’re less likely to need to submit an insurance claim for damage.
Not all factors are weighted evenly. For example, a driver with a customized or modified Nissan often requires special coverage and parts, making rates more expensive. Additionally, if you have an older Nissan with fewer safety features or technology, you’ll likely pay more than someone with a newer vehicle.
Even if one of the above situations applies to you, it doesn’t mean you can’t find great rates on Nissan insurance. The best way to locate affordable insurance is to shop around by comparing quotes from multiple companies. If you’re looking for an easy way to shop around, use the Jerry app. Jerry can provide you with competitive quotes from over 55 insurance companies in under a minute. Swapping is just as effortless. Jerry takes care of all the paperwork and phone calls, so you get the best deals without any hassles.
Want to see the kind of Nissan insurance quotes you could get from Jerry? Take a look at the table below—and hear from real Jerry customers!
| Quote Date | Car | Before Jerry | After Jerry | Location | Zip Code | Name | Age | Insurance Company |
|---|---|---|---|---|---|---|---|---|
| April 28, 2023 | Nissan Altima S | $365/mo. | $207/mo. | Tampa, FL | 33617 | Myra D. | 26 | Dairyland |
| April 23, 2023 | Nissan Altima 2.5 | $90/mo. | $73/mo. | Tempe, AZ | 85283 | Ernest T. | 75 | Progressive |
| March 7, 2023 | Nissan Juke S | $384/mo. | $233/mo. | Houston, TX | 77008 | Cecelia F. | 40 | Progressive |
| February 26, 2023 | Nissan Sentra S | $196/mo. | $187/mo. | Boling, TX | 77420 | Allen F. | 51 | Electric |
| January 11, 2023 | Nissan Altima 2.5 | $190/mo. | $109/mo. | Portales, NM | 88130 | Ollie T. | 28 | Progressive |
How much insurance do you need for a Nissan?
When determining how much insurance you need, you’ll want to consider your Nissan’s age and where you live.
In most states, you’ll need to purchase at least the minimum required car insurance in your state. Usually, this coverage includes liability car insurance, which is bodily injury liability and property damage liability. If you’re at fault in an accident, liability insurance covers damages or injuries you cause to others.
However, some states require additional coverages such as:
- Uninsured/underinsured motorist coverage: If a driver doesn’t have insurance or doesn’t have enough insurance, this coverage will cover your damages and injuries.
- Personal injury protection (PIP): Required in no-fault states, this covers injuries you or your passengers face after a car accident. It will also cover things like lost wages or rehabilitation.
- Medical payments (MedPay) coverage: If you and your passengers are injured in an accident, hit by a car while walking, or injured in someone else’s vehicle, this will cover medical expenses.
While meeting your state’s minimum required coverage is all you need to get on the road, it doesn’t mean it’s the only coverage you’ll need. While a 2002 Nissan Murano likely doesn’t need more than your state’s required coverage, you should always consider what’s often known as full-coverage car insurance or collision and comprehensive coverage.
Collision coverage will cover damages to your Nissan caused by a collision, regardless of fault. Comprehensive coverage will cover damage to your Nissan from losses like weather, theft, vandalism, or hitting an animal. Having collision and comprehensive coverage ensures you aren’t paying out of pocket for damages and is often required if you are financing or leasing your Nissan. Some lenders may also mandate gap insurance, which covers the difference between your car’s value and what’s left on your loan if your Nissan is totaled.
Nissan car insurance rates by model
When determining Nissan car insurance rates, a significant factor is the Nissan model you drive. Although it can vary, generally, less expensive models tend to cost less to insure. You may find a Nissan Sentra or Altima costs less to insure than a Maxima.
Let’s look at the average annual premiums for some of the most popular Nissan models to see how your own model could affect your car insurance rates.
How much does Nissan Sentra insurance cost?
The Nissan Sentra is an affordable compact car, scoring high in reliability. Since it gets 28 to 39 mpg, it’s also a great choice if you commute. In addition, based on Sentra’s price point and popularity—Nissan has produced Sentra for 35 years—it will typically be on the lower end of insurance costs compared to other Nissan models.
The table below shows how average premiums for Sentra drivers vary based on coverage options and vehicle age.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2021 Nissan Sentra | $3,306 | $2,359 |
| 2020 Nissan Sentra | $2,621 | $1,784 |
| 2019 Nissan Sentra | $2,962 | $1,797 |
| 2018 Nissan Sentra | $2,792 | $1,929 |
| 2017 Nissan Sentra | $2,475 | $1,917 |
To learn more, check out our in-depth guide to Nissan Sentra insurance costs!
How much does Nissan Altima insurance cost?
Another popular model is the Nissan Altima. The Altima is considered a step up from the Sentra, a midsize sedan, but is slightly less fuel efficient. While it is a top safety pick from IIHS, you can expect your insurance to be somewhat higher than the average rate for Nissan Sentra insurance. A higher price point and newer features mean you could see a higher insurance rate compared to an older model.
Check out the table below, which compares full and minimum coverage rates for different Altima model years.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2021 Nissan Altima | $3,306 | $2,359 |
| 2020 Nissan Altima | $2,621 | $1,784 |
| 2019 Nissan Altima | $2,962 | $1,797 |
| 2018 Nissan Altima | $2,792 | $1,929 |
| 2017 Nissan Altima | $2,475 | $1,917 |
Check out our in-depth guide to Nissan Altima insurance costs for more information!
How much does Nissan Rogue insurance cost?
A compact SUV that’s great for families, the Rogue also has great safety and reliability ratings for a lower price point than Nissan’s other SUV offerings—without losing any tech or safety features. These features contribute to a lower insurance rate for the Rogue.
Here’s the breakdown of average annual premiums for Rogue owners.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2020 Nissan Rogue S | $2,403 | $1,366 |
| 2019 Nissan Rogue S | $3,480 | $1,694 |
| 2018 Nissan Rogue S | $2,988 | $1,666 |
| 2017 Nissan Rogue S | $2,500 | $1,696 |
| 2016 Nissan Rogue S | $2,232 | $1,480 |
For more information, check out our in-depth guide to Nissan Rogue insurance costs!
How much does Nissan Pathfinder insurance cost?
Another of Nissan’s long-standing models, the Pathfinder has been in production since 1985. While the Pathfinder is a midsize SUV with superior safety features, it stands about average in terms of insurance cost.
You might pay more to insure your Pathfinder based on your age, driving record, or coverage selections.
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2019 Nissan Pathfinder S | $3,595 | $1,802 |
| 2018 Nissan Pathfinder S | $2,686 | $2,251 |
| 2017 Nissan Pathfinder S | $1,669 | $1,769 |
| 2015 Nissan Pathfinder S | $2,881 | $1,959 |
| 2014 Nissan Pathfinder S | $3,061 | $1,812 |
For more information, check out our in-depth guide to Nissan Pathfinder insurance costs!
How much does Nissan Maxima insurance cost?
Considered an upscale alternative to the Altima, the Maxim is a full-size sedan. Marketed as a luxury vehicle, its price point is significantly higher than most Nissans but ranks high for reliability and drivability.
The Maxima has higher rates due to its price point and size, as replacement parts or repairs will be more expensive. Here's a full breakdown:
| Car | Full Coverage | Minimum Coverage |
|---|---|---|
| 2021 Nissan Maxima | $3,306 | $2,359 |
| 2020 Nissan Maxima | $2,621 | $1,784 |
| 2019 Nissan Maxima | $2,962 | $1,797 |
| 2018 Nissan Maxima | $2,792 | $1,929 |
| 2017 Nissan Maxima | $2,475 | $1,917 |
For more information, check out our in-depth guide to Nissan Maxima insurance costs!
Compare Nissan car insurance quotes
While you can find anything on the internet, including car insurance quotes, it isn’t always easy to ensure you’re getting the best deal. To find insurance quotes, you’re often stuck filling out form after form, and even then, it may not be tailored to you.
That’s why the Jerry app was created. A licensed broker, Jerry does all the hard work of finding cheap quotes from the top name-brand insurance companies and buying new car insurance for your Nissan.
Sign-up takes less than a minute, and Jerry can help you find the best rates on insurance—including home and renters—based on your unique profile.
Best car insurance companies for your Nissan
As a Nissan owner, insurance companies like Erie, GEICO, State Farm, and USAA offer the most affordable insurance rates. Even so, insurance isn’t one size fits all. While these companies generally offer good rates for Nissan owners, it doesn’t mean all Nissan drivers will receive the best rate.
Why? Insurance is based on different factors that are unique to individual drivers. Every company weighs these factors differently, so you won’t see the same rate from every company you request quotes from. For example, one company may offer more discounts based on safety features your Nissan has, while another only offers lower rates if you have no tickets or accidents on your driving record.
That’s why the only way to find the cheapest insurance for you is to gather multiple quotes and compare rates. And if you’re looking for an easy way to do that, use Jerry. Jerry gathers quotes from top insurance companies to find the best insurance for your Nissan.
See how different providers quote for Nissan vehicles in the table below—and how much you could save with Jerry!
| Insurance Company | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| National General | $3,125 | $1,098 | |
| Dairyland | $3,483 | $1,094 | |
| Clearcover | $2,921 | $970 | |
| Kemper | $2,921 | $970 | |
| Nationwide | $2,951 | $913 | |
| Progressive | $3,003 | $911 | |
| Safeco | $2,925 | $881 | |
| Allstate | $3,033 | $866 | |
| State Auto | $2,840 | $841 | |
| Travelers | $2,913 | $797 | |
| Compare Prices | |||
Nissan auto insurance cost by driving record
Beyond the type of Nissan you drive, your driving record also impacts the cost of your Nissan insurance.
If you don’t have any tickets or accidents on your record, you’ll pay less for insurance. A safe driver is far less risky to insure than someone with violations, so insurance companies reserve the best rates for the safest drivers. Any blemish on your driving record can impact your insurance rates.
Nissan owners with a DUI conviction can expect to pay $3,000 more per year for car insurance, while a simple speeding ticket can add an average of $1,912 to your annual premium!
Use the table below to estimate how much you could save on Nissan insurance by cleaning up your driving record!
Nissan car insurance cost by location
Another important factor in insurance is where you live. Insurance rates vary depending on what state you’re in and your location within it. Nissan drivers in different states will pay different rates, and even Nissan drivers in the same city can have different rates.
Want to see how your rates stack up against your state’s average? Take a look at the table below.
| City | Average Cost | Annual Savings with Jerry | |
|---|---|---|---|
| Atlanta | $3,872 | $1,059 | |
| Austin | $2,738 | $752 | |
| Charlotte | $2,996 | $957 | |
| Dallas | $2,650 | $713 | |
| Fort Worth | $2,638 | $775 | |
| Houston | $2,900 | $828 | |
| Philadelphia | $3,762 | $1,057 | |
| Phoenix | $2,439 | $673 | |
| Richmond | $3,206 | $1,052 | |
| San Antonio | $2,550 | $733 | |
| Compare Prices | |||
By R.E. Fulton
Reviewed by Kathleen Flear, Director of Content.
