If you’re in the market for a new vehicle, you must factor the cost of car insurance into your car budget. Interested in how much car insurance for a Nissan costs? Here’s what you need to know.
The average cost of Nissan car insurance is $2,798 a year or $233 per month, based on a detailed analysis by CarInsurance.com. Your exact rates may vary based on factors such as your insurance company, vehicle model, age and driving history.
- The annual average nationwide cost of full coverage car insurance for Nissan is $2,798 per year.
- The Frontier is the cheapest Nissan model to insure.
- Advanced safety features that come standard on Nissan models help lower your insurance costs.
Average cost of car insurance for a Nissan, by company
Car insurance premiums can vary widely based on the make of your vehicle. Insurance companies have their own methods for calculating the risk and the probability of claim filing. They consider various factors, including your driving history, location, age and the type of vehicle you own, to determine your auto insurance rates.
Below, you’ll find Nissan car insurance rates from various insurance companies.
Cost to insure a Nissan, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Travelers | $2,051 | $1,026 | $171 |
| GEICO | $2,270 | $1,135 | $189 |
| State Farm | $2,381 | $1,190 | $198 |
| Progressive | $2,494 | $1,247 | $208 |
| Nationwide | $2,662 | $1,331 | $222 |
| Allstate | $3,450 | $1,725 | $288 |
| Farmers | $3,672 | $1,836 | $306 |
| USAA | $2,039 | $1,020 | $170 |
Nissan average insurance rates, by model
Nissan Frontier car insurance cost
The average car insurance premium for Nissan Frontier is $212 per month, which translates to $2,539 per year. The most affordable company for a Nissan Frontier is Travelers with a rate of $156 monthly or $1,872 per year.
Nissan Rogue car insurance cost
The average car insurance premium for Nissan Rogue is $219 per month, which translates to $2,633 per year. The most affordable company for a Nissan Rogue is Travelers with a rate of $162 monthly or $1,943 per year.
Nissan Murano car insurance cost
For Nissan Murano owners, the average car insurance cost is $224 per month or $2,690 annually. Travelers offers the most affordable insurance premiums with an average annual cost of $2,037 or $170 per month.
Nissan Leaf car insurance cost
The average car insurance premium for Nissan Leaf is $228 per month, which translates to $2,735 per year. The most affordable company for a Nissan Leaf is Travelers with a rate of $149 monthly or $1,790 per year.
Nissan Pathfinder car insurance cost
The average monthly car insurance premium for a Nissan Pathfinder is $228 , which totals $2,741 annually. Travelers offers the cheapest rate at $166 per month or $1,998 annually.
Nissan Kicks car insurance cost
The average car insurance premium for Nissan Kicks is $231 per month, which translates to $2,774 per year. The most affordable company for a Nissan Kicks is GEICO with a rate of $177 monthly or $2,118 per year.
Insurance rates by car model
The average cost of car insurance for a Nissan, by age
Nissan car insurance costs will vary depending on your age. When it comes to car insurance, young drivers typically pay much higher rates for coverage than drivers with more experience under their belts.
According to the Insurance Information Institute, young drivers made up only 5.1% of all licensed drivers in 2020 but accounted for 8.5% of all drivers involved in fatal crashes. Statistics clearly show that young drivers are involved in more accidents which result in claims. Teens also engage in more reckless behavior behind the wheel than older drivers, and that additional risk pushes up the cost of insurance.
Car insurance costs generally decrease as drivers gain more experience and avoid getting tickets and filing claims. However, when drivers turn 60, insurance rates tend to rise again. The tables below show Nissan insurance costs based on the driver’s age.
Cost to insure a Nissan, by model, for 18-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 18 | Nissan Altima | $10,151 | $5,075 | $846 |
| 18 | Nissan Ariya | $10,033 | $5,017 | $836 |
| 18 | Nissan Armada | $9,613 | $4,807 | $801 |
| 18 | Nissan Frontier | $8,361 | $4,181 | $697 |
| 18 | Nissan Kicks | $9,036 | $4,518 | $753 |
| 18 | Nissan Leaf | $9,019 | $4,509 | $752 |
| 18 | Nissan Murano | $8,692 | $4,346 | $724 |
| 18 | Nissan Pathfinder | $8,945 | $4,472 | $745 |
| 18 | Nissan Rogue | $8,610 | $4,305 | $718 |
| 18 | Nissan Sentra | $9,936 | $4,968 | $828 |
| 18 | Nissan Versa | $9,474 | $4,737 | $790 |
| 18 | Nissan Z | $13,153 | $6,576 | $1,096 |
Cost to insure a Nissan, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Nissan Altima | $3,114 | $1,557 | $260 |
| 40 | Nissan Ariya | $3,040 | $1,520 | $253 |
| 40 | Nissan Armada | $2,998 | $1,499 | $250 |
| 40 | Nissan Frontier | $2,539 | $1,269 | $212 |
| 40 | Nissan Kicks | $2,774 | $1,387 | $231 |
| 40 | Nissan Leaf | $2,735 | $1,368 | $228 |
| 40 | Nissan Murano | $2,690 | $1,345 | $224 |
| 40 | Nissan Pathfinder | $2,741 | $1,371 | $228 |
| 40 | Nissan Rogue | $2,633 | $1,317 | $219 |
| 40 | Nissan Sentra | $3,013 | $1,506 | $251 |
| 40 | Nissan Versa | $2,894 | $1,447 | $241 |
| 40 | Nissan Z | $4,002 | $2,001 | $334 |
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Nissan car insurance rates by state
Your location significantly impacts your Nissan car insurance premiums. Insurance rates vary widely from state to state due to factors like traffic density, accident statistics, theft/vandalism, weather events and state laws. Below, you’ll find Nissan car insurance rates by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,599 | $1,300 | $217 |
| Alabama | $2,417 | $1,208 | $201 |
| Arkansas | $3,049 | $1,525 | $254 |
| Arizona | $2,953 | $1,476 | $246 |
| California | $3,474 | $1,737 | $289 |
| Colorado | $3,238 | $1,619 | $270 |
| Connecticut | $3,268 | $1,634 | $272 |
| Washington, D.C. | $3,473 | $1,736 | $289 |
| Delaware | $3,268 | $1,634 | $272 |
| Florida | $3,452 | $1,726 | $288 |
| Georgia | $2,988 | $1,494 | $249 |
| Hawaii | $1,681 | $840 | $140 |
| Iowa | $2,401 | $1,200 | $200 |
| Idaho | $1,932 | $966 | $161 |
| Illinois | $2,370 | $1,185 | $197 |
| Indiana | $1,923 | $962 | $160 |
| Kansas | $2,625 | $1,312 | $219 |
| Kentucky | $3,166 | $1,583 | $264 |
| Louisiana | $4,714 | $2,357 | $393 |
| Massachusetts | $2,322 | $1,161 | $194 |
| Maryland | $2,956 | $1,478 | $246 |
| Maine | $1,757 | $879 | $146 |
| Michigan | $4,037 | $2,018 | $336 |
| Minnesota | $2,664 | $1,332 | $222 |
| Missouri | $2,615 | $1,307 | $218 |
| Mississippi | $3,043 | $1,521 | $254 |
| Montana | $2,488 | $1,244 | $207 |
| North Carolina | $2,499 | $1,249 | $208 |
| North Dakota | $2,229 | $1,115 | $186 |
| Nebraska | $2,803 | $1,401 | $234 |
| New Hampshire | $1,870 | $935 | $156 |
| New Jersey | $3,226 | $1,613 | $269 |
| New Mexico | $2,660 | $1,330 | $222 |
| Nevada | $3,875 | $1,937 | $323 |
| New York | $3,218 | $1,609 | $268 |
| Ohio | $1,878 | $939 | $156 |
| Oklahoma | $3,101 | $1,551 | $258 |
| Oregon | $2,486 | $1,243 | $207 |
| Pennsylvania | $2,659 | $1,330 | $222 |
| Rhode Island | $3,012 | $1,506 | $251 |
| South Carolina | $3,281 | $1,640 | $273 |
| South Dakota | $2,898 | $1,449 | $242 |
| Tennessee | $2,403 | $1,201 | $200 |
| Texas | $3,139 | $1,569 | $262 |
| Utah | $2,247 | $1,124 | $187 |
| Virginia | $2,272 | $1,136 | $189 |
| Vermont | $1,780 | $890 | $148 |
| Washington | $2,324 | $1,162 | $194 |
| Wisconsin | $2,666 | $1,333 | $222 |
| West Virginia | $2,358 | $1,179 | $196 |
| Wyoming | $2,122 | $1,061 | $177 |
Average car insurance cost for different vehicle makes
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To find affordable Nissan car insurance rates, you should opt for a family-friendly vehicle like a small SUV. These models usually include advanced safety features, have smaller engines and are driven by people with children in the car. This makes them more cautious drivers, leading to fewer accidents.
Safety features like airbags, backup cameras, automatic emergency braking and lane departure warnings play a significant role in keeping insurance premiums low. Minivans and compact to midsize SUVs continue to top the list of the most affordable cars to insure.
Pickups and commercial vans usually cost less to insure than sedans and other vehicles. This is because they aren’t equipped with costly electrical and safety components, making them less expensive to repair.
Cheapest Nissan models to insure
Smaller, budget-friendly Nissan models with low-power engines are more affordable to insure than upscale or sporty versions. Entry-level base models have lower car insurance rates, but premiums increase as you move up to higher-level trims.
Models that are popular with families and are loaded with safety features will help keep your premium affordable. Advanced safety features such as automatic emergency braking, a backup camera and blind spot detection can result in a discount on your premium.
“If you are a younger driver, you will probably pay more for auto insurance, so you may need to consider practicality versus style,” says Lauren Mckenzie, independent broker/agent with A Plus Insurance. “If you are younger and you choose a fast, luxurious sports car, your monthly insurance payments could end up being more than your monthly auto loan payments.”
Most expensive Nissan models to insure
Luxury vehicles and sports cars typically rank among the most expensive vehicles to insure. Luxury cars and sports models often come with higher premiums due to their increased theft risk and higher repair or replacement costs. Meanwhile, larger SUVs can also result in higher insurance rates because of their potential to cause more damage in an accident.
If you’re planning to reduce your insurance expenses, try to avoid these types of vehicles:
- EVs: Electric vehicles (EVs) come with large, costly batteries, which can make them more expensive to insure. Battery packs can cost up to $20,000 to replace, so insurers factor this risk into your premium.
- Luxury and sports cars: Insurers view luxury and sports cars as higher risk due to their hefty price tags. With big engines and exclusive features, these vehicles are costly to repair or replace, which leads to higher insurance premiums.
- Favorites of thieves: Insurance companies diligently analyze theft data to assess risk. Owning a vehicle that ranks high on thieves’ lists can lead to increased insurance premiums. Each year, the National Insurance Crime Bureau (NICB) releases a list of the most targeted cars by thieves. By selecting a vehicle that isn’t frequently stolen, you can potentially reduce your insurance expenses.
How to save on car insurance for a Nissan
“Shop around for quotes from multiple insurers. Also, investigate group auto insurance that may be available from your employer,” says Brian Martucci, finance editor for Minneapolis-based Money Crashers.
Additionally, drop insurance coverage you don’t need, especially if you want to purchase an older vehicle model.
“You can shift money from one type of coverage to additional coverage on the uninsured motorist property damage coverage, for example. This way, so long as you are not the one at fault in an accident, your vehicle will be covered, and you will save a lot of money on car insurance,” McKenzie says.
Before committing to a vehicle, estimate your car insurance costs and shop for the best value. Compare quotes from different insurance companies carefully.
“If your car insurance payments are still on the higher end, consider choosing a higher deductible, such as $1,000 instead of a $500 deductible – which will lower your premium,” McKenzie says. “Also, consider leaving off additional coverages like rental reimbursement or roadside assistance, which may save you money, too.”
Nissan discounts on car insurance
You can take advantage of all the available discounts to lower your Nissan car insurance costs. Insurance companies offer various discounts that can significantly reduce your premiums.
Discounts can be related to the vehicle you drive or your personal factors. Insurance companies often offer reduced premiums for vehicles equipped with advanced safety features such as automated emergency braking, lane departure warnings and driver alertness monitors.
You may be able to save money by installing an anti-theft device or driving a brand-new car, as some insurers offer discounts for new vehicles. Personal factors, such as being a good driver or a good student (if you have a teen on your policy), can also lead to significant discounts.
“You may also qualify for a low-mileage discount by driving less and by bundling multiple policies, like home and auto, with the same carrier,” Martucci says.
Learn about common car insurance discounts for an overview of the most common savings for Honda auto insurance.
How does a car’s make affect car insurance rates?
Curious how much is Nissan insurance? It will depend on which model you choose. Nissan builds a variety of different vehicles and the cost to insure them will vary depending on the vehicle type.
Smaller SUVs and minivans are the cheapest vehicle types to insure while luxury models and sporty sedans are more expensive. Pickup trucks tend to fall on the more affordable side of the insurance spectrum – until you get into the luxury trim levels.
Insurance companies accumulate excessive statistical data, revealing that family-friendly vehicles-like SUVs and minivans-are involved in fewer accidents and file fewer claims than sedans and sports cars. This is one reason why they are cheaper to insure. Additionally, luxury vehicles and sports cars are equipped with expensive materials and advanced technology, which drives up repair costs and, as a result, increases insurance premiums.
Make sure you compare car insurance quotes apples to apples for different types of vehicles. A luxury sedan typically costs more to insure than a minivan or mid-size SUV. To make an informed decision, make sure you compare quotes for the same vehicle types and coverage limits.
This same approach is essential when comparing vehicles from different brands. A luxury German sedan, like a BMW or Mercedes, typically incurs higher insurance costs compared to a minivan or compact car from a different brand. Always make sure you’re comparing similar vehicle types and trim levels when considering a new vehicle or insurance policy.
Check out car insurance rates by model: Compare rates for over 3,000 models
About the company: Nissan
Nissan, a Japanese multinational automobile manufacturer, was founded on December 26, 1933, originally under the name Jidosha-Seizo Kabushiki-Kaisha. The company was later renamed to Nissan Motor Co., Ltd on June 1, 1934. Nissan’s range of vehicles spans from compact city cars to robust pickup trucks and electric vehicles, each designed with a blend of state-of-the-art technology and distinctive styling.
Final thoughts on Nissan insurance costs
Nissan offers a diverse lineup of models, and the cost to insure them varies based on several factors. Choosing an entry-level vehicle with a low MSRP, smaller engine and various safety features can help keep your insurance premiums affordable. On the other hand, choosing luxury or sporty models will typically increase the cost of coverage.
Shopping your coverage on a regular basis, asking for discounts and choosing the highest deductible you can easily afford are all great ways to save money on your coverage regardless of which Nissan model you drive off the lot.
Frequently asked questions
Does my driving record impact how much I pay to insure my Nissan?
Your driving record is important in determining your Nissan’s insurance premium. Generally, a clean driving history results in lower rates, while incidents such as accidents, speeding violations, or DUI charges can significantly raise your premium.
Does the color of my Nissan affect the insurance premium?
The color of your Nissan does not influence your insurance premium. Insurance companies determine rates based on factors such as the model, age, safety features and driving history, but vehicle color has no impact on the cost.
How does the age of my Nissan affect insurance costs?
The age of your Nissan can affect your insurance costs. Generally, older models may come with lower premiums due to depreciation, although they might lack modern safety features, which can lead to slightly higher rates. In contrast, newer models typically have higher premiums because they are more costly to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed March 2026.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed March 2026.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates. The rates are based on the sample profiles of 18 and 40-year-old male drivers carrying full coverage policies with limits of 100/300/100 and 0 collision and comprehensive deductibles. Read the detailed methodology for more information.
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