Car insurance for Nissans

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Nissan sold just under one million vehicles in 2020 alone. If you recently purchased a Nissan, you may be searching for the best car insurance for your vehicle. Purchasing car insurance is an important step to protect your finances if you are involved in an accident, especially if you are deemed at fault.

The average cost per year for minimum liability coverage is $565, while full coverage costs $1,674 annually, according to Bankrate’s 2021 study of quoted annual premiums. 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

How much does it cost to insure a Nissan?

While the average cost of full coverage car insurance is $1,674 per year based on 2021 rates gathered from Quadrant Information Services, your vehicle’s features could affect that price in addition to other factors. 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.

  • 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 premiums.

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.

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.

Written by
Lizzie Nealon
Insurance Writer
Lizzie Nealon is an 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