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Car insurance for a Nissan GT-R

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The average cost to insure a Nissan GT-R is $3,945 annually for full coverage insurance, $2,271 higher than the national average cost for car insurance. Car insurance rates are influenced by the make and model of the car you drive, and insurance rates for sports cars like the GT-R are significantly higher than average.

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

You may be wondering what accounts for the nearly $2,500 gap between the national average cost of car insurance and Nissan GT-R rates. Car insurance rates are influenced by numerous personal and car factors, including the make and model of your vehicle to account for differing crash statistics, price of parts, safety features, speed capabilities and more.

The Nissan GT-R is a luxury sports car with an average sticker price between $113,540 and $215,690. Insurance companies consider the high value of this vehicle, knowing that covering repairs or a replacement vehicle may be costly. Sports cars like the Nissan GT-R are also typically viewed as more likely to be used for risky driving, which may also play into this model’s higher-than-average car insurance rates. In addition, foreign vehicles like Nissans are made with more expensive parts in general, which may affect car insurance rates.

Car insurance for a Nissan GT-R

To understand your car insurance rates, you may be wondering what factors insurance companies consider when calculating your premium. Depending on the state and the specific insurer, car insurance companies may factor in driver age, credit score, ZIP code, gender, driving history, vehicle make and model and various other factors. The average auto insurance rates for a GT-R below are based on a sample 40-year-old driver with a clean driving record, good credit and an annual mileage of 12,000. While your individual premium will vary, the following rates may be helpful for the sake of comparison.

Average annual car insurance premium for a Nissan GT-R

Minimum Coverage Full Coverage
$478 $3,945

Cheapest car insurance companies for Nissan GT-Rs

Average Nissan GT-R rates vary by the car insurance company. When searching for the best insurance for your GT-R, you may want to start your research with the companies below, which made our list of best car insurance companies. While the following rates may be helpful for the sake of comparison, keep in mind that your individual rates will vary based on your personal characteristics. You may want to compare auto insurance quotes from several of these companies to see how much you’ll actually pay. We’ve arranged our list by the cheapest full coverage car insurance rates — if you have a loan on your GT-R, you’ll be required to purchase full coverage. Even if you don’t have a loan, most insurance experts recommend full coverage car insurance to better protect your investment.

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

Other car insurance coverage for Nissan GT-R

The average minimum coverage car insurance rates for Nissan GT-R drivers are slightly lower than the national average. Except for New Hampshire and Virginia, every state requires its drivers to carry at least the minimum state car insurance requirements. Purchasing the minimum amount of auto insurance required in your state may be tempting since minimum coverage is typically significantly cheaper than full coverage insurance. However, most insurance experts warn against purchasing minimum liability insurance. Since the minimum required limits are typically very low, you may be involved in an accident that exceeds your policy limits. In this situation, you would be held liable to pay for the remaining damages out-of-pocket.

Since liability insurance doesn’t cover damages to your own vehicle, you may want to consider additional coverage options. The following coverage types may help better protect your finances in the event of damage to your car.

Collision coverage

Collision insurance pays if your vehicle needs to be repaired or replaced after an accident. If your Nissan GT-R is damaged and the other driver is at-fault, your collision insurance may kick in to help cover your vehicle’s damages while you wait for the other driver’s insurance to pay out.

Comprehensive coverage

Not all vehicle damage stems from car accidents. Comprehensive coverage pays to cover damage caused by things like theft and vandalism or a tree limb falling on your car. In other words, comprehensive coverage pays for damages incurred outside of a car accident.

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 (Triple-I) 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. Additional coverage will raise the cost of car insurance for Nissan GT-R drivers, but it will also help you avoid the potentially massive expense of replacing a totaled or stolen GT-R.


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
Lizzie Nealon
Insurance Writer
Lizzie Nealon is a former insurance writer for Bankrate. Her favorite part of the job is making home, auto and life insurance digestible for readers so they can prepare for the future.
Edited by
Insurance Editor