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.
Nissan Car Insurance
Updated: January 23, 2026
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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
The Nissan GT-R is the priciest Nissan to insure at $49 monthly for state minimum coverage and $208 for full coverage. The Nissan 370Z costs the least at $48 monthly for state minimum 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.
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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 |
*Rates are for a driver with good credit and no driving violations.
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
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.
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
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.
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
The best companies to insure your Nissan are State Farm, GEICO, Travelers, Nationwide and Farmers. These insurers combine low rates, extensive coverage options, and strong customer service.
| State Farm | 90.36 |
| GEICO | 88.48 |
| Travelers | 85.46 |
| Nationwide | 83.48 |
| Farmers | 80.43 |
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
State Farm has the cheapest rates for most Nissan vehicles across all driver profiles. The company excels in customer service and claims satisfaction, ranking in the top five for overall satisfaction in 42 of 52 states (top three in 15 states). State Farm offers strong discounts for drivers under 25, including student reductions and a defensive driving program that saves 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-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
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 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 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?
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 (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. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in 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.