Nissan has a long, storied history in automobile manufacturing, spanning back to 1914 when the Datsun company produced the first DAT model in Tokyo, Japan.
After many mergers and name changes, modern-day Nissan is headquartered in Nishi-ku, Yokohama, Japan and produces vehicles under the Infiniti, Nissan, and Datsun vehicle brands. Performance-tuned vehicles are released under the NISMO label.
With current models ranging from the popular Nissan LEAF electric car to the 600-horsepower GT-R NISMO performance coupe, how do Nissan insurance rates compare to other manufactures like Honda and Toyota?
Let’s take a look.
How much does Nissan insurance cost?
At an average cost of $1,775 per year for the 2023 model year, Nissan car insurance cost ranges from $1,386 a year for a Nissan Kicks up to $2,034 per year for the Nissan Maxima.
The average insurance rate for Nissan models costs 2.7% more per year than the U.S. national average car insurance rate of $1,728.
The following table shows average Nissan auto insurance rates by model going back to the 2013 model year. Some models like the Cube, Juke, and Xterra are no longer produced, so the average rates for those models are relative to the last year of production.
| Model | Annual Cost | Monthly Cost |
|---|---|---|
| Nissan 370Z 2021 and prior model years | $1,932 | $161 |
| Nissan Altima | $1,934 | $161 |
| Nissan Armada | $2,030 | $169 |
| Nissan Cube 2014 and prior model years | $1,064 | $89 |
| Nissan Frontier | $1,564 | $130 |
| Nissan GT-R 2022 and prior model years | $3,496 | $291 |
| Nissan Juke 2017 and prior model years | $1,262 | $105 |
| Nissan Kicks | $1,386 | $116 |
| Nissan Leaf | $1,826 | $152 |
| Nissan Maxima | $2,034 | $170 |
| Nissan Murano | $1,554 | $130 |
| Nissan NV 2022 and prior model years | $1,494 | $125 |
| Nissan NV200 2022 and prior model years | $1,610 | $134 |
| Nissan Pathfinder | $1,760 | $147 |
| Nissan Quest 2017 and prior model years | $1,470 | $123 |
| Nissan Rogue | $1,666 | $139 |
| Nissan Rogue Sport | $1,412 | $118 |
| Nissan Sentra | $1,682 | $140 |
| Nissan Titan | $1,792 | $149 |
| Nissan Titan XD | $2,022 | $169 |
| Nissan Versa | $1,932 | $161 |
| Nissan Xterra 2015 and prior model years | $1,158 | $97 |
| Nissan Z | $2,032 | $169 |
Is Nissan car insurance expensive?
When compared to other Japanese automakers, Nissan insurance is 3.1% cheaper per year than Toyota on average, 6.9% more expensive than Honda, 6.6% more expensive than Subaru, and 8% more expensive than Mazda.
When compared to Korean automakers, average Nissan insurance rates are 0.4% more expensive than Hyundai, and 0.9% more expensive than Kia.
The chart below shows how Nissan ranks against its primary Asian competitors.
When using an average rate for all models, Nissan insurance tends to be more expensive than other Asian automakers. However, Nissan produces some vehicles that the other manufactures do not. For example, Nissan has a full lineup of midsize (Frontier), half-ton (Titan), and heavy-duty (Titan XD) pickups, which tend to cost more to insure than smaller less-expensive cars and SUVs.
Not only do pickups cost more on average to insure, but Nissan also produces higher-performance sports cars like the GT-R, 370Z, and the upcoming Z. These models have the same effect of increasing the average cost of car insurance over then entire lineup.
The next table expands on the comparison above by including mainstream U.S. automakers like Ford, Chevrolet, and GMC, as well as luxury brands like Audi, Lexus, BMW, and Mercedes-Benz.
Each automotive brand is compared to the average Nissan insurance rate (first row in the table at $1,775 per year). The difference column shows if the average cost of car insurance for each brand is more expensive or cheaper than Nissan.
| Automotive Brand | Insurance Cost | Difference |
|---|---|---|
| Nissan | $1,775 | -- |
| Acura | $2,031 | $256 |
| Audi | $2,334 | $559 |
| BMW | $2,432 | $657 |
| Cadillac | $1,910 | $135 |
| Chevrolet | $1,798 | $23 |
| Dodge | $2,333 | $558 |
| Ford | $1,826 | $51 |
| Genesis | $2,102 | $327 |
| GMC | $1,880 | $105 |
| Honda | $1,656 | -$119 |
| Hyundai | $1,768 | -$7 |
| Infiniti | $2,183 | $408 |
| Jaguar | $2,171 | $396 |
| Jeep | $1,965 | $190 |
| Kia | $1,759 | -$16 |
| Land Rover | $2,201 | $426 |
| Lexus | $2,066 | $291 |
| Lincoln | $1,976 | $201 |
| Mazda | $1,638 | -$137 |
| Mercedes-Benz | $2,480 | $705 |
| Subaru | $1,661 | -$114 |
| Tesla | $2,224 | $449 |
| Toyota | $1,830 | $55 |
| Volkswagen | $1,689 | -$86 |
| Volvo | $1,928 | $153 |
Nissan insurance rates tend to be more expensive than mainstream U.S. and Asian automakers. However, as we mentioned before, Nissan trucks and sports cars do increase the average cost of car insurance for the brand as a whole.
Because of this, it’s important to look at the individual cost of car insurance for the particular model of vehicle you’re considering buying, rather than the average for the brand. In the first table on this page, each model is linked to detailed rate data that includes average rates by trim level and model year.
What is the cheapest Nissan insurance?
For 2023 models, the cheapest Nissan insurance is found on the Nissan Kicks, at an average cost of $1,386 per year, or around $116 per month.
The Nissan Rogue Sport takes second place honors at an average insurance cost of $1,412 per year. And following in third place is the Nissan Murano, with an insurance cost of $1,554 per year.
The list below shows the top five cheapest Nissan vehicles to insure for the 2023 model year. Also shown is the automotive segment each model belongs to.
Cheapest 2023 Nissan vehicles to insure
- Nissan Kicks – (small SUV) Insurance costs $1,386 per year ($116 per month)
- Nissan Rogue Sport – (small SUV) Insurance costs $1,412 per year ($118 per month)
- Nissan Murano – (midsize SUV) Insurance costs $1,554 per year ($130 per month)
- Nissan Frontier – (midsize truck) Insurance costs $1,564 per year ($130 per month)
- Nissan Rogue – (small SUV) Insurance costs $1,666 per year ($139 per month)
Where can I find cheap Nissan car insurance quotes?
Overall, Nissan insurance is pretty affordable (except for maybe the GT-R), but this does depend on the model you’re wanting to insure. Due to differences in car insurance rates based on your location and driving characteristics, we recommend getting multiple free car insurance quotes in order to find the best rate.
When comparing Nissan insurance quotes between different companies, there are some tips that can make the process a lot easier and much more effective.
Tip #1
This is the most important piece of advice that we can give regarding comparison quotes. It’s critical that when inputting data to receive a quote you request the same coverage amounts from each company.
Why is this so important? Because if you use different policy limits and deductibles on each car insurance quote, you will end up having quotes that are not comparable at all, which defeats the purpose of getting comparison quotes in the first place.
So make sure you compare apples-to-apples and not apples-to-oranges.
Tip #2
If you already own a Nissan and have a car insurance policy for it, use the numbers from the policy declarations page on any comparisons quotes you get.
For example, if your policy declarations page (the one showing all the coverages and amounts) shows liability limits of 100/300/100 or 300 CSL (or similar), those are the values you want to use on your quotes.
The same goes for physical damage deductibles (comprehensive and collision). If you currently have $500 deductibles, use those same values on your comparison quotes.
Tip #3
If you have a current policy and it shows extra coverages for things like rental reimbursement or roadside assistance, try to add those in your comparison quotes.
If you are getting a new quote for a vehicle you just purchased or are considering purchasing, keep it simple and leave off any additional add-on coverages on all quotes. This just helps level the playing field to give you a fair comparison.
Tip #4
Trying to find a lot of good companies to get Nissan auto insurance quotes from can take some time. We can help by showing you multiple companies in your area that can provide some great rates based on options that you can adjust. Just click through to our car insurance quote page and get started!
