Car insurance for a Nissan GT-R

Bankrate Logo

Why you can trust Bankrate

While we adhere to strict , this post may contain references to products from our partners. Here's an explanation for . This content is powered by (NPN: 8781838). For more information, please see our

For more than a decade, the Nissan GT-R has been wowing drivers, both in terms of its performance and the cost of its insurance coverage. While the average driver across the nation pays $1,674 for their full coverage car insurance each year, GT-R drivers can expect to pay a significant amount more.

When car insurance companies calculate rates for individual auto insurance policies, they look at a bunch of factors unique to the driver, including the make and model of their vehicle. And since the vehicle in question is a luxury sports car (which makes it more expensive), coverage for it is similarly pricey.

How much does it cost to insure a Nissan GT-R?

As we mentioned, the average cost of car insurance when you look at rates across the country falls at just shy of $1,700. But to calculate that rate, we used an average car (a Honda Accord) — and a Nissan GT-R is definitely not average.

Insurance companies know that. When they calculate the cost of a policy to insure a Nissan GT-R, they take the high value of the vehicle into account. Knowing that they may need to shell out to replace a totaled GT-R – which would cost more to replace than a Honda Accord, for example – they prepare for potentially high costs when quoting you for a policy. And they pass that extra expense onto you in the form of higher premiums. In short, you should brace for a fairly hefty Nissan GT-R insurance cost.

Even if you have a high risk tolerance and would rather hit the road without coverage to protect your vehicle itself, your state will most likely require you to carry liability insurance in case you damage someone else’s property or hurt someone while behind the wheel. Liability coverage ensures you can pick up the tab for any medical bills or property damage (including damage to other drivers’ vehicles) for which you are responsible. Every state except New Hampshire requires this coverage. So you probably need at least some car insurance for your Nissan GT-R.

Car insurance for a Nissan GT-R

To reiterate, when insurance companies determine the rate for your specific auto insurance policy, they look at several unique-to-you factors, like your driving record, how much you drive each year, where you live and, in some states, your credit score. They also evaluate your vehicle, as more expensive vehicles could mean higher costs for them after a covered loss.

Long story short, your specific rates will vary based on the factors different insurance companies consider and where you fall on the various spectra. But we can still present you with some rough averages, which we gathered using sample 40-year-old drivers who have a clean driving record, good credit and an annual mileage of 12,000. Take a look at the average annual premium for our sample drivers:

Nissan GT-R car insurance Average annual premium
Minimum Coverage $478
Full Coverage $3,945

Cheapest car insurance companies for Nissan GT-Rs

As we pulled rates for our average drivers, we checked the cost of premiums with the insurance companies that ranked on our best-of list. This list examined the largest auto insurance providers by market share, scoring them in important deliverables like customer service, pricing and discounts offered. From those high-ranked insurance companies, we pulled the most affordable car insurance for Nissan GT-R drivers. While rates will vary based on those factors that are specific to you that we have already outlined, this should give you a good idea of some of the most affordable Nissan GT-R insurance available in the market.

Car insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $354 $3,996
Geico $399 $3,632
State Farm $446 $2,727
Erie $386 $2,265
Amica $342 $3,025

Other car insurance coverage for Nissan GT-R

All told, as far as averages go, Nissan GT-R drivers generally do not pay too much more for minimum coverage. But that only covers damages you cause behind the wheel, from bodily injury to property damage. As the GT-R is a relatively small vehicle, it is fairly unlikely to do a huge amount of damage. And as a result, drivers generally will not need to pay too much for minimum coverage.

That said, a GT-R is not a low-cost car. And, as such, you probably want to have some type of insurance that protects the car itself. To give you an idea of that Nissan GT-R insurance cost, our full coverage premiums include a few additional, optional coverage types. Specifically, our averages for annual premium for full coverage Nissan GT-R insurance include:

Collision coverage

When you buy car insurance for a Nissan GT-R, you expect it to step in if your vehicle gets damaged. Technically, if another driver causes the accident, their liability insurance will be the one to pick up the tab for any required repairs.

But what happens if you are the at-fault driver? In that case, you need collision coverage. While your property damage liability coverage will step in to repair any other vehicles you damage, your collision coverage is the portion of the policy that covers repairs for your GT-R.

Collision coverage can also pay for non-accident related damages. If you back into your mailbox, for example, this optional coverage can help with the costs.

One thing you should know about collision coverage: it comes with a deductible, or an amount you need to pay out-of-pocket before your insurance provider will pick up the remainder of the expense (up to your policy limits). Our sample drivers had collision deductibles of $500 for their Nissan GT-R insurance.

Comprehensive coverage

Not all vehicle damage stems from car accidents. Comprehensive coverage protects against the other risks your GT-R faces, from theft and vandalism to a tree limb falling on it or a wildfire damaging it. In other words, it steps in to help with expenses for any repairs your GT-R might need for incidents that happen while it was in park.

Like collision coverage, comprehensive coverage comes with a deductible. Our sample drivers for our average rates for car insurance for Nissan GT-R had $500 comprehensive deductibles.

Uninsured motorist coverage

While drivers in your state probably should have liability coverage, the Insurance Information Institute (III) estimates that around 13% of drivers lack the liability insurance required in their state. Technically, you could sue a driver for the damages they cause to your Nissan GT-R, but uninsured motorist coverage saves you from the headache of a legal battle. Instead, if the at-fault driver is found to be without car insurance, it steps in to cover the resulting expenses (up to your policy limits). There are two types of uninsured motorist coverage: bodily injury and property damage. If you want protection for your GT-R itself, you need the latter.

If you drive a luxury sports car like a Nissan GT-R, you may want all of these optional protections. Yes, they will raise the cost of the car insurance for Nissan GT-R drivers, but they will also help those drivers avoid the potential massive expense of replacing a totaled or stolen car.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our base profile drivers own a 2019 Nissan GT-R, commute five days a week and drive 12,000 miles annually.

These are sample rates and should only be used for comparative purposes.

Written by
Kacie Goff
Personal Finance Contributor
Kacie Goff is a personal finance and insurance writer with over seven years of experience covering personal and commercial coverage options. She writes for Bankrate, The Simple Dollar, NextAdvisor, Varo Money, Coverage, Best Credit Cards and more. She's covered a broad range of policy types — including less-talked-about coverages like wrap insurance and E&O — and she specializes in auto, homeowners and life insurance.