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Car insurance for Nissans
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In 2021, Nissan sold 977,639 vehicles in the United States, an increase of 8.7% from the year prior. If you recently purchased a Nissan or are considering purchasing one in the future, you may be searching for the best and most affordable car insurance for your vehicle. Purchasing car insurance is a requirement in most states, but it’s also an important step to help protect your finances if you are involved in an accident.
The average cost of car insurance for minimum coverage is $565 per year, while full coverage costs $1,674 annually, according to Bankrate’s 2021 study of quoted annual premiums of a 2019 Toyota Camry. The cost of insuring a Nissan is around the national average rate. However, keep in mind that your vehicle’s make and model, among several other factors, can influence the price you pay for car insurance.
Models included in this review:
- Nissan Altima
- Nissan Pathfinder
- Nissan Rogue
- Nissan Sentra
- Nissan Titan
- Nissan Versa
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Coverage.com, LLC is a licensed insurance producer (NPN: 19966249). Coverage.com services are only available in states where it is licensed. Coverage.com may not offer insurance coverage in all states or scenarios. All insurance products are governed by the terms in the applicable insurance policy, and all related decisions (such as approval for coverage, premiums, commissions and fees) and policy obligations are the sole responsibility of the underwriting insurer. The information on this site does not modify any insurance policy terms in any way.
How much does it cost to insure a Nissan?
The cost of Nissan insurance hovers right around the national average rate of $1,674 for full coverage and $565 for minimum coverage. Depending on the specific Nissan model you drive, you might pay slightly more or less than the average rate for all vehicles.
However, there are a variety of factors that will impact your car insurance premium besides the make and model of your car. For instance, a car that comes equipped with state-of-the-art safety equipment makes it less likely for a driver to crash their vehicle. For that reason, insurance premiums are generally lower. By contrast, a car designed for speed may be costlier to insure since insurance companies would likely view its driver as higher risk.
Here are some factors that contribute to the cost of Nissan car insurance:
- Price of parts: Nissan parts are relatively cheap compared to the cost of parts for the average vehicle. For this reason, car insurance for Nissans may be slightly cheaper due to less expensive repairs.
- Safety features: Nissan Safety Shield 360 offers a suite of safety features, including high beam light assist, lane departure warning, automatic emergency braking for pedestrians, blind spot warning, rear cross traffic alert and rear automatic braking. These features could help lower your insurance premium.
Car insurance for Nissan: by model
According to the quotes we received, the Nissan Rogue has the cheapest rates on average for full coverage car insurance per year, with the Versa and Pathfinder rounding out the top three Nissan models.
Car insurance for Nissan Altima
The 2021 Nissan Altima starts at a base price of $24,550 with four optional trim packages, including all-wheel drive and turbo engine. The Altima has won the IIHS Top Safety Pick Award for several years in a row, making it a great option for safety — which could lower your insurance costs. Overall, full coverage insurance for the Altima costs a bit more than the national average.
| Altima car insurance | Average annual premium |
|---|---|
| Minimum coverage | $526 |
| Full coverage | $1,788 |
Car insurance for Nissan Pathfinder
Offering all-season and multi-terrain performance and standard automatic emergency braking, the Nissan Pathfinder comes in five different trim packages with the option for all-wheel drive, making this SUV a safe choice. The vehicle’s standard crash avoidance and mitigation system earned a “superior” rating from IIHS, which may contribute to lower insurance costs.
| Pathfinder car insurance | Average annual premium |
|---|---|
| Minimum coverage | $525 |
| Full coverage | $1,685 |
Car insurance for Nissan Rogue
The Nissan Rogue is also a 2021 IIHS Top Safety Pick inclusion, 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 offers itself as a top option for value for money. Of all the models we analyzed in this article, the Rogue had the lowest average full coverage insurance premium.
| Rogue car insurance | Average annual premium |
|---|---|
| Minimum coverage | $507 |
| Full coverage | $1,560 |
Car insurance for Nissan Sentra
The Nissan Sentra is a highly economical car with an average fuel economy of 29 mpg in the city and 39 mpg on the highway. You will not have to sacrifice on cargo space with the Sentra and there are two optional trim packages to choose from. Additionally, automatic emergency braking with pedestrian detection comes standard. These safety features may contribute to lower auto insurance premiums.
| Sentra car insurance | Average annual premium |
|---|---|
| Minimum coverage | $541 |
| Full coverage | $1,745 |
Car insurance for Nissan Titan
One of Nissan’s truck options, the Nissan Titan comes with three different trim packages to choose from and optional four-wheel drive. The truck boasts “superior” ratings from IIHS for vehicle-to-vehicle and vehicle-to-pedestrian collisions. Its safety features may contribute to lower insurance premium.
| Titan car insurance | Average annual premium |
|---|---|
| Minimum coverage | $521 |
| Full coverage | $1,867 |
Car insurance for Nissan Versa
In the IIHS’s 2021 safety tests, the Nissan Versa received solid safety scores nearly across each category. These safety features may contribute to the Versa’s low full coverage insurance premiums — the second-lowest of any vehicle in this article.
| Versa car insurance | Average annual premium |
|---|---|
| Minimum coverage | $538 |
| Full coverage | $1,631 |
Cheapest car insurance companies for Nissans
USAA offers some of the cheapest insurance for Nissan models on average. However, if you are not active duty military, a veteran or a qualifying family member, you would need to consider other affordable options, like Erie or Geico, both of which offer the next lowest rates on average for nearly every Nissan model. While these averages may be useful for the sake of comparison, every driver’s actual premium will be different. The best way to see how much you would pay is to request a quote from the insurer.
Average annual premium for full coverage by model
| Car insurance company | Altima | Pathfinder | Rogue | Sentra | Titan | Versa |
|---|---|---|---|---|---|---|
| Amica | $1,401 | $1,344 | $1,233 | $1,347 | $1,439 | $1,371 |
| Erie | $1,294 | $1,216 | $1,199 | $1,207 | $1,503 | $1,011 |
| Geico | $1,338 | $1,320 | $1,182 | $1,327 | $1,739 | $1,294 |
| State Farm | $1,505 | $1,493 | $1,359 | $1,397 | $1,492 | $1,410 |
| USAA | $1,173 | $1,242 | $1,114 | $1,108 | $1,348 | $1,073 |
Nissan features that impact insurance costs
If you purchase a vehicle equipped with Nissan’s common safety features, you could save money on your car insurance. Common Nissan safety features include:
- Lane assist with departure warning: If you are beginning to drive outside of your lane, your Nissan can provide visual and audio prompts for you to correct your path.
- Intellibeam auto high beam assist: This feature turns off high beams based on whether or not using your high beams is safe, factoring the traffic around you.
- Front pedestrian braking: Nissan vehicles with this safety feature can sense a pedestrian in front of the vehicle and alert you with audio and visuals. If you do not take action, your Nissan can brake for you to avoid a collision with a pedestrian.
In addition to Nissan’s safety features, it’s important to note that the company is one of many auto brands that a global chip shortage has been impacted due to the COVID-19 pandemic. The company was forced to close its manufacturing facilities several times in 2021, leading to decreased production of popular models like the Leaf, Maxima, Rogue, Murano and Altima. As a result, certain replacement parts are harder to find, which may drive up the cost of Nissan auto insurance this year.
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 at fault. The more bodily injury and property damage liability protection you have, the less likely you are to face high out-of-pocket costs for medical care or damage.
Unless your car lacks considerable book value, you may also want other optional coverage options offered by car insurance companies, often labeled as full coverage. The following coverage options provide financial backing for you and your car in case you are involved in an accident, regardless of who is at fault.
For instance, comprehensive car insurance can be a good choice if you do not want to self-insure for damages caused by weather events, broken windows or windshields, vandalism, theft or hitting an animal. Roadside assistance helps provide services in the event that you become stranded by a flat tire, empty gas tank or key lockout. If you are unsure how much coverage you need, you may benefit from speaking with a licensed insurance agent.
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 own a 2019 Nissan of the following model types, commute five days a week and drive 12,000 miles annually:
- 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.