Nissan Insurance

The easy and affordable way

Nissan Insurance

Nissan is a Japanese brand of vehicles that are well-constructed and attractive, and for this reason, they are very popular among America’s car-buying population. If you are one of the millions of people who own a Nissan, you'll want to know your options when it comes to getting affordable and valuable car insurance.

Not sure where to start?

This independent agent matching tool will find you the best insurance solution in your area. Local independent agents are familiar with the Nissan brand, and can take your individual needs into account to find an insurance policy that works for you. An independent agent can compare multiple policies and quotes to make sure that you don’t overpay for insurance.

What Kind of Insurance Do You Need for Your Nissan? 

Bodily injury liability: Bodily injury liability insurance pays for medical expenses and lost wages that a third-party sustains from an accident where you are the at-fault driver. It will also cover injury related costs for third-party passengers and pedestrians. 

Property damage liability: Property damage liability pays the cost to repair or replace vehicles, buildings, structures and other property that is damaged in an accident when you're the at-fault driver. 

Liability insurance is required in most states with a minimum coverage amount. It's likely that the minimum coverage will not be enough to cover you in the event of an accident. so it's important to work with your independent agent to make sure you have adequate coverage.

Many states also require this coverage: 

Medical payments/personal injury protection: Medical payments or personal injury protection (PIP) coverage pays for a small amount of medical treatment for yourself and your passengers in an at-fault accident. This insurance is available in "no-fault" states and a requirement in most. Other states that do not participate in PIP will have medical payment insurance.

Uninsured and underinsured motorist coverage: If you're in an accident with an uninsured or underinsured driver, uninsured and underinsured motorist (UM/UIM) coverage pays for damage to your vehicle. This is necessary because underinsured motorists do not have the proper coverage to pay for any damage to yourself or your vehicle in an accident. UM/UIM insurance is not always a required coverage, but it is essential to be adequately covered. 

Optional Coverage: 

Collision: If you're at fault in a collision accident, collision insurance will pay for damage that your vehicle sustains.

Comprehensive: Your Nissan is at risk, even parked on the street. Natural disasters, storms, and other incidents that are out of your control can cause costly damage to your vehicle. Comprehensive insurance is there to pay for these unexpected damages.

Glass coverage: If you need to replace your Nissan windshield it could cost $150 or more than $700. Glass coverage is an endorsement typically costing only a few extra dollars per year that pays for any glass or windshield replacement for no cost.

Gap insurance: If you're financing or leasing your Nissan, you'll want to consider gap insurance. This coverage will pay the difference between your car's value and the outstanding amount owed on a loan or lease if you're in an accident where insurance deems your Nissan a total loss. 

What Affects the Cost of Insurance for Your Nissan?

Insurance companies factor in a variety of considerations to determine insurance policy prices. Car insurance is based largely on the retail price of the vehicle and who will be driving it. For example, young drivers always pay higher rates because of their lack of experience. Teen Nissan drivers spend an average of $5,318 per year for insurance. Compare that price to the lowest average premium of $828 annually which goes to middle-aged drivers with a good driving record, and you can see the difference in price. Those with multiple driving violations or accidents will also pay higher premiums. A high-risk driver pays an average of $3,128 per year for Nissan insurance. 

Average cost of Nissan insurance by model

The Nissan brand has nearly 20 models and which one you choose will affect your insurance rates. A sedan costs less to insure than an SUV and a sports car is riskier to drive than a crossover. 

The rates below assume that the driver is a 40-year-old male with a clean driving record. The policies also represent a $500 comprehensive and collision deductible, uninsured and underinsured motorist coverage, and minimum liability limits. Rates are averaged across all 50 states. 

Average annual insurance premium for a new Nissan by model
Nissan Altima $1,446
Nissan Armada $1,350
Nissan Frontier $1,394
Nissan GT-R $2,014
Nissan Leaf $1,580
Nissan Maxima $1,576
Nissan Murano $1,370
Nissan Pathfinder $1,308
Nissan Rogue $1,412
Nissan Sentra $1,390
Nissan Titan $1,468
Nissan Versa $1,372
Nissan Xterra $1,140

The safety of your Nissan

Insurance companies associate the likelihood that you'll file a claim with the safety features of your Nissan. Unfortunately, Nissan has had inconsistencies in safety throughout its models, but several models have been ranked as more reliable in recent years, so you'll want to do your research.

You'll want to track down the models that have received four and five stars in crash safety ratings from the National Highway Traffic Safety Administration and "good" ratings from the Insurance Institute for Highway Safety.

How location affects your Nissan insurance

Living in certain states could earn you a lower car insurance premium, while your rates could be higher in other states. Carriers will determine the pricing based on local crime rates, traffic patterns, and the number of claims filed in an area.

Average yearly auto insurance rates are the least expensive in these states:
North Carolina $834
Virginia $866
Maine $892
Idaho $978
Iowa $978
Average yearly auto insurance rates are most expensive in these states:
Florida $1,810
Rhode Island $1,928
Kentucky $1,972
Louisiana $2,142
Michigan $2,512

Average Cost to Insure a Nissan

The average annual policy rate in the US for a Nissan is $1,446. Your costs will vary according to the type of coverages you choose, your location, your age, and your driving history. 

Here's how Nissan rates change for younger vs. older drivers:

Nissan rates by age for full coverage with a $500 deductible
Age Premium
16 $5,318
20 $3,342
30 $1,516
40 $1,446
50 $1,320
60 $1,294

Top Independent Insurance Carriers That Insure the Nissan

Having the right protection for your Nissan is essential, and so is the company that provides that coverage. Your insurance company should be responsive to claims and endorsements. The US Independent Insurance Agent Satisfaction Study by J.D. Power gave these companies a trustworthy recommendation: 

  1. Auto-Owners Insurance
  2. Progressive
  3. Safeco
  4. Traveler

Find the Right Nissan Insurance

Whether you own a Nissan now or want to purchase one of these popular vehicles, Nissan insurance is a must. The right kind of insurance at the right coverage levels can make a world of difference for car owners. 

Discussing your options with an independent insurance agent can help you get on your way to complete coverage and safety on the road.

An independent, local insurance agent can help you shop around for the best Nissan insurance quotes, with coverage that is right for you. For more information about Nissan insurance, contact a insurance agent today.

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