Purchasing car insurance is necessary to protect your finances if you are involved in an accident, especially if you are deemed at fault. Most states have their own minimum requirements for liability insurance, which covers the other driver’s bodily injury and property damage if you cause an accident. Without this important protection, you could be liable to pay out of pocket and even sued, which would cost even more if you have to go to court.
When purchasing car insurance, there are many factors used to determine your unique rate. Your age, driving history, where you live and the make and model of your car are all criteria used to determine your price and the average cost of car insurance. The U.S. average cost per year for liability coverage is $565 while full coverage costs $1,674. Your rate will vary based on the factors mentioned above.
The average cost of car insurance differs by company and make and model of the vehicle you drive. We reviewed six popular Nissan models to determine the average cost of car insurance:
- Nissan Altima
- Nissan Pathfinder
- Nissan Rogue
- Nissan Sentra
- Nissan Titan
- Nissan Versa
Car insurance for Nissan: by model
According to the quotes we received, the Nissan Rogue has the cheapest rates for full coverage car insurance per year, with the Versa and Pathfinder rounding out the top three Nissan models.
| Nissan Car Insurance | Average annual full coverage premium |
|---|---|
| Nissan Altima | $1,788 |
| Nissan Pathfinder | $1,685 |
| Nissan Rogue | $1,560 |
| Nissan Sentra | $1,745 |
| Nissan Titan | $1,867 |
| Nissan Versa | $1,631 |
Cheapest car insurance companies for Nissan Altima
The Nissan Altima starts at a base price of $24,350 with four optional trim packages, including all-wheel drive and turbo engine. The Altima has won the IIHS Top Safety Pick Award for six years in a row, making it a great option for safety – which can lower your insurance costs. When comparing the best car insurance companies rates, USAA has the cheapest price for minimum and full coverage annual average premiums. If you don’t qualify for USAA (they only serve military members, veterans and their families), Amica has the second cheapest price for minimum coverage and Erie has the second cheapest for full coverage car insurance.
| Car insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| USAA | $345 | $1,173 |
| Geico | $373 | $1,338 |
| State Farm | $505 | $1,505 |
| Erie | $371 | $1,294 |
| Amica | $367 | $1,401 |
Cheapest car insurance companies for Nissan Pathfinder
Offering all-season and multi-terrain performance and standard Automatic Emergency Braking, the Nissan Pathfinder starts at $31,980. The Pathfinder comes in five different trim packages with the option for all-wheel drive, making this SUV with optional third-row seating a solid choice for adventurous families. USAA and Erie tie for first place for cheapest average annual price for minimum coverage, while Erie beats out USAA to take first place for full coverage costs. Amica isn’t far behind for minimum coverage and Geico has the next cheapest price for full coverage car insurance.
| Car insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| USAA | $356 | $1,242 |
| Geico | $386 | $1,320 |
| State Farm | $505 | $1,493 |
| Erie | $356 | $1,216 |
| Amica | $367 | $1,344 |
Cheapest car insurance companies for Nissan Rogue
The Nissan Rogue is also a 2021 IIHS Top Safety Pick+, starting at just $25,750 with great fuel efficiency at 27 mpg city and 35 mpg highway for Nissan’s crossover SUV. Coming in three optional trim packages with the choice for all-wheel drive, the Rogue has also been an Automotive Best Buy for five years in a row. The Rogue happens to also have the cheapest average annual minimum and full coverage rates on our list of Nissan models, with USAA offering the cheapest annual rates for minimum and full coverage. Geico has the second cheapest rates for both coverages followed by Amica for minimum coverage and Erie for full coverage car insurance.
| Car insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| USAA | $349 | $1,114 |
| Geico | $357 | $1,182 |
| State Farm | $478 | $1,359 |
| Erie | $371 | $1,199 |
| Amica | $367 | $1,233 |
Cheapest car insurance companies for Nissan Sentra
The Nissan Sentra is a highly economical car, with a beginning price of $19,460 and average full economy of 29 mpg in the city and 39 mpg on the highway. You won’t have to sacrifice on cargo space with the Sentra and there are two optional trim packages to choose from, though Automatic Emergency Braking with Pedestrian Detection comes standard. The average annual cost of car insurance for the Nissan Sentra is cheapest through Amica for minimum coverage while USAA has the best rates for full coverage. USAA and Erie round out the top three for minimum coverage with Erie and Geico taking second and third for full coverage car insurance.
| Car insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| USAA | $353 | $1,108 |
| Geico | $394 | $1,327 |
| State Farm | $505 | $1,397 |
| Erie | $386 | $1,207 |
| Amica | $345 | $1,347 |
Cheapest car insurance companies for Nissan Titan
One of Nissan’s truck options, the Nissan Titan begins at $36,650 with a king cab or crew cab option and three different trim packages to choose from and optional four-wheel drive. The Titan also comes in the XD, which has greater towing capacity, a larger wheelbase and higher payload for hauling more to meet life’s demands. As for the average cost of car insurance on the Nissan Titan, Amica has the cheapest rates for minimum coverage and USAA for full coverage per year. USAA and Geico have the next cheapest rates for minimum coverage and Amica and State Farm are next in line for cheapest full coverage car insurance costs.
| Car insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| USAA | $369 | $1,348 |
| Geico | $393 | $1,739 |
| State Farm | $445 | $1,492 |
| Erie | $430 | $1,503 |
| Amica | $345 | $1,439 |
Cheapest car insurance companies for Nissan Versa
The Nissan Versa is the smallest in Nissan’s lineup of vehicles, with the smallest base price of $14,980. This compact car is Nissan’s only option with a manual transmission on the base model only, with two trim package options on the automatic transmission. In 2020, the Versa won the J.D. Power award for Most Appealing Small Car and has won the Consumer Guide Automotive Best Buy Award two years in a row. USAA has the cheapest average annual rates for minimum coverage on the Nissan Versa and Erie has the cheapest for full coverage. Amica and Erie have the next cheapest price for minimum coverage while USAA and Geico are the next cheapest for full coverage car insurance.
| Car insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| USAA | $358 | $1,073 |
| Geico | $390 | $1,294 |
| State Farm | $540 | $1,410 |
| Erie | $386 | $1,011 |
| Amica | $367 | $1,371 |
Other car insurance coverage for Nissan
When purchasing car insurance, the cheapest coverage isn’t always the best option. It’s important to understand the financial protection higher liability limits offer a driver when an accident occurs, especially when they are at fault. The more bodily injury and property damage liability protection you have, the less likely you’ll be faced with out-of-pocket costs for care or damage.
Unless your car is old without much book value, you may also want other optional coverages offered by car insurance companies, often labeled as full coverage. These coverages provide protection for you and your car in case you are involved in an accident, regardless of who is at fault:
- Comprehensive: If you don’t want to self insure for damages caused by weather events, broken windows or windshields, vandalism, theft or hitting an animal, comprehensive coverage may be a good choice.
- Collision: If it’s not covered by comprehensive, it’s likely covered by collision insurance. If your vehicle is damaged as a result of an accident, this coverage will pay to fix your car or pay you the book value, minus your deductible amount.
- Medical payments/Personal Injury Protection: Some states offer only one while others offer both, but medical payments or PIP coverage pays for your medical bills and lost wages if you’re injured in an accident.
- Roadside assistance: No one wants to be stranded by a flat tire, empty gas tank or having the keys accidentally locked in the car. These instances and more can be covered by roadside assistance.
- Uninsured motorist/underinsured motorist: Some states require this coverage while others don’t, but it’s a good coverage to have. Uninsured motorist provides coverage if you’re hit by someone without insurance or the victim of a hit-and-run, while underinsured motorist coverage fills the gap left if someone doesn’t have enough bodily injury or property damage liability coverage.
Whether you’re driving one of the Nissan models featured here, or prefer the GTR, Altima or Pathfinder, having the right coverage for car insurance can keep your rates and out-of-pocket costs low.
Methodology
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 commute five days a week, drive 12,000 miles annually and were evaluated using the following cars:
- 2019 Nissan Altima
- 2019 Nissan Pathfinder
- 2019 Nissan Rogue
- 2019 Nissan Sentra
- 2019 Nissan Titan
- 2019 Nissan Versa
These are sample rates and should only be used for comparative purposes.
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