When buying a new vehicle, factor in the cost of car insurance as part of your overall budget.
The average cost of Nissan car insurance is $2,511 a year or $209 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 $2,511 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 differ significantly based on the make of the vehicle. For instance, car insurance rates vary from one insurance company to another because each company uses its formula to calculate risk and estimate the likelihood of a claim being filed, considering factors such as your driving record, location, age and the type of vehicle you drive.
See how car insurance rates for Nissan vehicles compare among different insurers in the table below.
Cost to insure a Nissan, by company
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| State Farm | $2,056 | $1,028 | $171 |
| Geico | $2,067 | $1,034 | $172 |
| Nationwide | $2,217 | $1,109 | $185 |
| Progressive | $2,364 | $1,182 | $197 |
| Farmers | $3,106 | $1,553 | $259 |
| Allstate | $3,367 | $1,683 | $281 |
Nissan average insurance rates, by model
Nissan Frontier car insurance cost
The average car insurance premium for Nissan Frontier is $184 per month, which translates to $2,209 per year. The most affordable company for a Nissan Frontier is Nationwide with a rate of $148 monthly or $1,770 per year.
Nissan Murano car insurance cost
The average car insurance premium for Nissan Murano is $186 per month, which translates to $2,234 per year. The most affordable company for a Nissan Murano is Nationwide with a rate of $145 monthly or $1,741 per year.
Nissan Kicks car insurance cost
The average car insurance premium is $186 per month, which adds up to $2,237 each year for a Nissan Kicks. State Farm is the cheapest car insurance company, with a monthly rate of $142, which translates to an annual cost of $1,709.
Nissan Versa car insurance cost
The average car insurance premium for Nissan Versa is $188 per month, which translates to $2,254 per year. The most affordable company for a Nissan Versa is Geico with a rate of $146 monthly or $1,755 per year.
Nissan Pathfinder car insurance cost
The average monthly car insurance premium for a Nissan Pathfinder is $193, which totals $2,311 annually. Geico offers the cheapest rate at $158 per month or $1,897 annually.
Nissan Rogue car insurance cost
The average car insurance premium for Nissan Rogue is $193 per month, which translates to $2,314 per year. The most affordable company for a Nissan Rogue is State Farm with a rate of $158 monthly or $1,895 per year.
Insurance rates by car model
The average cost of car insurance for a Nissan, by driver age
Your age is an important rating factor in determining your Nissan car insurance premiums. Young drivers often pay the highest car insurance rates because of their inexperience behind the wheel. On the other hand, adult drivers pay affordable premiums for the same coverage.
In 2020, the Insurance Information Institute reported that young drivers represented only 5.1% of licensed drivers but were involved in 8.5% of fatal crashes. This data clearly shows that young drivers are more frequently involved in accidents, resulting in increased claims. Their tendency to engage in riskier driving behaviors compared to older drivers further contributes to the higher insurance rates.
As drivers gain more experience, car insurance costs usually decrease and remain relatively stable if the driver doesn’t have any tickets, claims or accidents on their record. However, rates tend to rise again after the age of 60. The table below shows how much it costs to insure a Nissan 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 | $9,314 | $4,657 | $776 |
| 18 | Nissan Ariya | $11,522 | $5,761 | $960 |
| 18 | Nissan Armada | $9,651 | $4,826 | $804 |
| 18 | Nissan Frontier | $8,212 | $4,106 | $684 |
| 18 | Nissan GT-R | $21,274 | $10,637 | $1,773 |
| 18 | Nissan Kicks | $8,490 | $4,245 | $707 |
| 18 | Nissan Leaf | $9,180 | $4,590 | $765 |
| 18 | Nissan Murano | $8,239 | $4,119 | $687 |
| 18 | Nissan Pathfinder | $8,541 | $4,271 | $712 |
| 18 | Nissan Rogue | $8,564 | $4,282 | $714 |
| 18 | Nissan Sentra | $8,978 | $4,489 | $748 |
| 18 | Nissan Titan | $9,703 | $4,852 | $809 |
| 18 | Nissan Titan XD | $9,894 | $4,947 | $825 |
| 18 | Nissan Versa | $8,495 | $4,248 | $708 |
| 18 | Nissan Z | $14,973 | $7,486 | $1,248 |
Cost to insure a Nissan, by model, for 40-year-olds
| Age | Make Model | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|---|
| 40 | Nissan Altima | $2,510 | $1,255 | $209 |
| 40 | Nissan Ariya | $3,059 | $1,529 | $255 |
| 40 | Nissan Armada | $2,660 | $1,330 | $222 |
| 40 | Nissan Frontier | $2,209 | $1,104 | $184 |
| 40 | Nissan GT-R | $5,637 | $2,819 | $470 |
| 40 | Nissan Kicks | $2,237 | $1,119 | $186 |
| 40 | Nissan Leaf | $2,396 | $1,198 | $200 |
| 40 | Nissan Murano | $2,234 | $1,117 | $186 |
| 40 | Nissan Pathfinder | $2,311 | $1,155 | $193 |
| 40 | Nissan Rogue | $2,314 | $1,157 | $193 |
| 40 | Nissan Sentra | $2,350 | $1,175 | $196 |
| 40 | Nissan Titan | $2,648 | $1,324 | $221 |
| 40 | Nissan Titan XD | $2,706 | $1,353 | $225 |
| 40 | Nissan Versa | $2,254 | $1,127 | $188 |
| 40 | Nissan Z | $4,048 | $2,024 | $337 |
Nissan car insurance rates by state
When it comes to car insurance, your location plays a significant role in determining your insurance premiums. Nissan car insurance rates vary significantly from one state to another due to factors such as traffic conditions, accident rates, theft/vandalism, weather events and state-specific insurance laws. Find below Nissan car insurance rates by state.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,345 | $1,172 | $195 |
| Alabama | $2,414 | $1,207 | $201 |
| Arkansas | $2,692 | $1,346 | $224 |
| Arizona | $2,429 | $1,214 | $202 |
| California | $3,058 | $1,529 | $255 |
| Colorado | $3,251 | $1,625 | $271 |
| Connecticut | $2,630 | $1,315 | $219 |
| Washington, D.C. | $2,987 | $1,493 | $249 |
| Delaware | $2,548 | $1,274 | $212 |
| Florida | $3,059 | $1,529 | $255 |
| Georgia | $3,144 | $1,572 | $262 |
| Hawaii | $1,599 | $800 | $133 |
| Iowa | $2,138 | $1,069 | $178 |
| Idaho | $1,651 | $825 | $138 |
| Illinois | $2,442 | $1,221 | $204 |
| Indiana | $2,256 | $1,128 | $188 |
| Kansas | $2,614 | $1,307 | $218 |
| Kentucky | $3,094 | $1,547 | $258 |
| Louisiana | $4,056 | $2,028 | $338 |
| Massachusetts | $2,319 | $1,159 | $193 |
| Maryland | $2,379 | $1,189 | $198 |
| Maine | $1,743 | $872 | $145 |
| Michigan | $3,271 | $1,636 | $273 |
| Minnesota | $2,779 | $1,390 | $232 |
| Missouri | $2,961 | $1,480 | $247 |
| Mississippi | $2,626 | $1,313 | $219 |
| Montana | $2,667 | $1,334 | $222 |
| North Carolina | $2,166 | $1,083 | $180 |
| North Dakota | $2,220 | $1,110 | $185 |
| Nebraska | $2,669 | $1,334 | $222 |
| New Hampshire | $1,878 | $939 | $157 |
| New Jersey | $2,365 | $1,182 | $197 |
| New Mexico | $2,597 | $1,299 | $216 |
| Nevada | $2,403 | $1,202 | $200 |
| New York | $1,910 | $955 | $159 |
| Ohio | $1,787 | $893 | $149 |
| Oklahoma | $2,697 | $1,349 | $225 |
| Oregon | $2,395 | $1,198 | $200 |
| Pennsylvania | $2,652 | $1,326 | $221 |
| Rhode Island | $2,987 | $1,493 | $249 |
| South Carolina | $2,323 | $1,162 | $194 |
| South Dakota | $2,987 | $1,493 | $249 |
| Tennessee | $2,665 | $1,332 | $222 |
| Texas | $3,573 | $1,786 | $298 |
| Utah | $2,052 | $1,026 | $171 |
| Virginia | $1,835 | $918 | $153 |
| Vermont | $1,802 | $901 | $150 |
| Washington | $2,116 | $1,058 | $176 |
| Wisconsin | $1,929 | $964 | $161 |
| West Virginia | $2,363 | $1,181 | $197 |
| Wyoming | $2,657 | $1,329 | $221 |
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 often come with lower insurance rates than sedans and other types of vehicles. This is partly because they are cheaper to repair and don’t have any expensive electric and safety components, leading to cheaper insurance rates.
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.
Family-friendly models equipped with various safety features can help keep your insurance premiums affordable. Advanced safety technologies like automatic emergency braking, backup cameras and blind spot detection often qualify for discounts.
“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, a senior agent with A Plus Insurance. “If you are younger and 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 looking to cut down on your insurance costs, it’s best to avoid these types of vehicles:
- EVs: The high cost of the large batteries in electric vehicles (EVs) can lead to higher insurance premiums. Since battery packs can be as expensive as $20,000 to replace, insurers include this risk when calculating your rate.
- Luxury and sports cars: Luxury and sports cars represent a higher risk due to their hefty purchase prices. These vehicles are built for speed and are equipped with advanced tech features, making repairs or replacements costly. As a result, insurance for these cars tends to be more expensive.
- Favorites of thieves: Insurance companies closely monitor vehicle theft statistics. If your car is popular among thieves, your insurance premiums will be higher. The National Insurance Crime Bureau (NICB) annually publishes a list of the most stolen vehicles. Choosing a car not on this list can help you maintain lower insurance costs.
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
One way to save money on your Nissan insurance is to make sure that all available discounts are being applied to your policy. Insurers offer a variety of discounts that can dramatically lower your premium.
Discounts may be related to the vehicle you drive or your personal factors. Insurance companies typically offer a discount for a vehicle loaded with advanced safety features such as automated emergency braking, lane departure warning and driver alertness monitor.
In addition, you may be able to save a bit of coin by having an anti-theft device installed or driving a brand-new car as some insurers offer a new car discount.
Discounts related to your personal factors can include major discounts such as being a good driver or a good student (if you have a teen on your policy).
“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 Nissan auto insurance.
How does a car’s make affect car insurance rates?
Nissan car insurance rates depend on the model you select. They offer a diverse range of vehicles and insurance costs vary with each type.
Smaller SUVs and minivans are among the least expensive vehicles to insure, while luxury models and sporty sedans come with higher insurance costs. Pickup trucks generally fall on the more affordable side of insurance rates-unless you opt for luxury trim levels.
Insurance companies analyze extensive statistical data, which shows that vehicles popular among families-like SUVs and minivans-are involved in fewer accidents and file fewer claims compared to sedans and sports cars. This is one reason they come with lower insurance costs. On the other hand, luxury vehicles and sports cars are packed with high-end materials and advanced technology, increasing repair expenses and, consequently, insurance premiums.
Remember to compare apples to apples when it comes to insurance quotes for different vehicle types. A luxury sedan will always cost more to insure than a minivan or mid-size SUV, so when comparing insurance quotes, be sure to compare the same vehicle types and coverage limits.
The same advice should be followed when comparing vehicles from different manufacturers. A luxury German sedan (BMW or Mercedes for example) will be more expensive to insure than a minivan or compact vehicle from another manufacturer, so always compare similar vehicle types and trim levels when shopping for a new vehicle or 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 range of vehicle models, and the cost to insure them varies based on several factors. Opting for entry-level vehicles with a lower starting price, a smaller engine and plenty of safety features can help keep your insurance premiums affordable. On the other hand, selecting luxury or sporty models may increase the cost of coverage.
You can reduce your insurance costs by regularly comparing coverage options, inquiring about available discounts and choosing the highest deductible.
Frequently asked questions
Does my driving record impact how much I pay to insure my Nissan?
Yes, your driving record has a significant impact on your Nissan’s insurance premium. A clean driving history typically leads to lower rates, while accidents, speeding tickets, or DUI offenses can substantially increase your premium.
Does the color of my Nissan affect the insurance premium?
No, the color of your Nissan does not affect your insurance premium. Insurance companies base their rates on factors like the model, age, safety features, and driving history, but not the color of your vehicle.
How does the age of my Nissan affect insurance costs?
The age of your Nissan can influence your insurance costs. Older Nissan models tend to have lower premiums due to depreciation, but they may lack the latest safety features, which can slightly increase the rates. Conversely, newer models often have higher premiums because they are more expensive to repair or replace.
Resources & Methodology
Sources
- Insurance Information Institute. “Facts + Statistics: Teen Drivers.” Accessed July 2025.
- National Insurance Crime Bureau (NICB). “2023 Vehicle Theft Trends Report.” Accessed July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to get car insurance rates for different makes and models. The rates are based on sample profiles of 18 and 40-year-old male drivers carrying full coverage policy with limits of 100/300/100 and a $500 collision and comprehensive deductible.
To evaluate the premiums, we have compared 67,566,780 insurance quotes from 57 insurance companies across the nation.
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