Nissan Car Insurance: Average Cost & How To Get It

The average Nissan car insurance cost differs greatly depending on the model. For example, MoneyGeek’s research shows that a policy for a Nissan Frontier costs an average of $1,120 per year, while the average cost of insuring a Nissan GT-R is $2,520 per year.

Nissan’s mid-tier sedan is slightly more expensive to insure than the average Nissan. But if you own an older Altima, you will likely pay lower rates. A 2011 Altima costs just $1,868 annually to insure, which is 34% cheaper than coverage for a 2022 model.

The Versa (subcompact sedan), Rogue (SUV), and Frontier (truck) are the cheapest Nissans to insure. The GT-R (sports car), Maxima (luxury sedan), and 370Z (sports car) are the most expensive.

Your age will also impact your insurance rates, and younger drivers should expect to pay more for Nissan insurance. An 18-year-old driver will spend over three times as much as a 30-year-old driver, even if the younger driver has a spotless record.

Nissan car insurance cost by model

The Nissan Frontier, the company’s cheapest model of truck, is the cheapest Nissan model to insure, at $2,414 per year for a 2022 edition. In contrast, the GT-R’s average rate is $6,218 for a 2021 model.

Nissan Cube

The Nissan Cube’s small size and low cost made it a popular choice for young drivers. Unfortunately, as with most cars, the cost to insure the Cube for an 18-year-old is much higher than for older drivers: 18-year-olds will pay an average of $6,121 to cover the most recent model years of the Cube.

That’s more than three times as much as the average cost for a 30-year-old.

Nissan Frontier

The Frontier is the least expensive of Nissan’s two pickup truck models to insure. The larger and more expensive Titan costs about 13% more for insurance coverage and has an MSRP that’s about $10,000 higher.

Nissan Rogue

The average coverage for a new Rogue comes out to $202 per month. If you’re looking to pay less for insurance on a Rogue, go for an older model — insuring a 2011 Rogue will lower your monthly rates by 29% compared to the 2022 model.

Nissan Quest

Nissan’s minivan was discontinued in 2017 but is nevertheless one of the most affordable Nissans to insure: The 2016 Quest is 16% cheaper than other 2016 Nissans on this list.

Nissan Murano

A Murano is cheaper to insure than the average Nissan. It has rates that are basically the same as the Pathfinder, Nissan’s next-largest sport utility vehicle.

Nissan Pathfinder

The Pathfinder costs about the same amount to insure compared to its slightly smaller sibling, the Murano. However, drivers looking to save money on Pathfinder insurance rates may want to look at an older model.

Covering a 2011 Pathfinder will reduce your insurance cost by $820 per year, compared to a 2022 model with the same amount of coverage.

Nissan Juke

The Juke was discontinued in 2018, and the last model of the Juke costs slightly less to insure than its replacement, the Kicks. The Juke is not particularly expensive to insure, in line with the average cost of a Nissan SUV from 2017.

Nissan Kicks

The car was just introduced starting in the 2018 model year, and it is slightly more expensive to insure when compared to the average Nissan SUV. However, it still costs much less than more powerful vehicles like the Nissan 370Z.

Nissan Sentra

Among Nissan sedans, the cost of insuring a Sentra is second cheapest; it’s less expensive to insure than the larger Altima and Maxima but more expensive than the smaller Versa.

Nissan GT-R

The GT-R is Nissan’s fastest and most expensive car, and it also costs the most to insure. You can expect to pay about 84% more to insure a GT-R than a 370Z, Nissan’s other, less expensive, sports car.

Young drivers will pay even more for insurance on a 2021 GT-R. An 18-year-old driver will pay $21,005 per year to insure a GT-R. That’s more than three times what a 30-year-old will spend.

Nissan Titan

Coverage for the Titan is $317 per year more expensive than coverage for Nissan’s other pickup, the Frontier. The cost to insure a Titan is just slightly above the overall average for a Nissan.

Like most models, younger drivers will likely pay a lot more to insure a Titan. An 18-year-old will pay more than three times what a 30-year-old would to insure this vehicle: $9,186 per year, on average.

Nissan Leaf

The Leaf is Nissan’s only all-electric car and it costs more than most other Nissans — it’s the most expensive among Nissan’s compact, electric vehicle offerings.

Electric cars often cost more to insure than vehicles with standard engines, partially because they cost more to repair. This can offset some of the fuel savings that come with owning an electric car.

Nissan Xterra

The Xterra was discontinued after the 2016 model year, but it is one of the most affordable Nissans to insure, and the 2015 Xterra has the lowest cost for coverage of any 2015 Nissan model. The Frontier — the pickup truck upon which the Xterra was based — costs slightly more, $16 per year, to insure for a 2015 model.

Nissan Altima

Nissan’s mid-tier sedan is slightly more expensive to insure than the average Nissan. But if you own an older Altima, you will likely pay lower rates. A 2011 Altima costs just $1,868 annually to insure for our sample driver, which is 34% cheaper than coverage for a 2022 model.

Nissan Armada

The Armada is Nissan’s largest SUV and one of the most expensive vehicles the company sells. The vehicle’s high cost and large size contribute to its being one the most expensive Nissans to insure: Of Nissan’s currently available models, only four cost more for coverage.

Nissan Maxima

The Maxima is the most expensive Nissan sedan to insure. But some older Maximas can be far less expensive to cover: A 2011 Maxima costs $2,211 per year to insure, a difference of $1,272 per year compared to the 2021 model.

Nissan Versa

The Versa is Nissan’s smallest and least costly car to buy, so drivers looking to save money on a car and insurance may want to consider the Versa.

Teens and young drivers considering a Versa will likely have to pay more, unfortunately. The typical price an 18-year-old can expect to pay is $8,683, well over three times the price to insure a Versa for an older driver.

Nissan 370Z

An 18-year-old will pay way more than a 30-year-old to insure this car: The average price for an 18-year-old with a clean driving history is $10,536 — more than three times as expensive as coverage for the older driver.

The 370Z is the replacement for the older 350Z, which Nissan discontinued in 2009.

How much is Nissan car insurance on average: Summary by model

The average Nissan insurance cost can differ significantly depending on the model. The following shows the average cost of Nissan models from the most expensive to the cheapest:

• Nissan GT-R: $2,520 per year
• Nissan 370Z: $1,579 per year
• Nissan Maxima: $1,494 per year
• Nissan LEAF: $1,383 per year
• Nissan Altima: $1,323 per year
• Nissan Sentra: $1,300 per year
• Nissan Versa: $1,228 per year
• Nissan Pathfinder: $1,204 per year
• Nissan 350Z: $1,197 per year
• Nissan Rogue: $1,190 per year
• Nissan Frontier: $1,120 per year

Some Nissan models can be more expensive to insure due to high repair costs, high MSRP, and increased likelihood of theft. Also, since high-horsepower cars are considered risky by insurance companies, insurance costs for them are higher.

Are Nissans expensive to insure?

While car insurance for Nissan is generally moderately priced, it has various models and the insurance cost will be determined more by your car’s model than its brand. MoneyGeek analyzed 11 models and found that a Nissan Frontier is cheap to insure, the Nissan LEAF has moderate insurance costs and a Nissan GT-R is expensive to insure.

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References

• Value Penguin
• Money Geek