Nissan Cube Insurance

Are You Paying More Than the National Average for Nissan Cube Insurance?

The easy guide toward finding the right coverage

Nissan Cube Insurance

The Nissan Cube is a uniquely styled, compact, four-door hatchback wagon. The 2014 Cube was the last model year, but used Cubes can still be found if you desire an interesting design with decent functionality for day-to-day commuting. Overall, the Cube is affordable to own with good car insurance premiums for most drivers.

Nissan Cube owners can get high-quality, affordable car insurance from a local independent agent. Independent agents can obtain quotes from multiple carriers, so you can make sure you are getting the best coverage at the right price. 

What Kind of Insurance Do You Need for Your Nissan Cube?

Knowing what insurance coverages are state-required and which are optional can help you build a comprehensive insurance package.

Most states mandate the following coverage

Bodily injury liability: In the event of an at-fault accident, this will pay for things like medical bills and lost wages for passengers, pedestrians, or other drivers who are injured. 

Property damage liability: If an at-fault accident results in damage to someone else's vehicle or other property, this coverage will pay for any necessary repairs or even to fully replace the property if necessary.

Medical payments/Personal injury protection: Not all states require personal injury protection, but in no-fault states, you will be required to have this coverage. These states include Delaware, Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Oregon, Pennsylvania and Utah. PIP covers a small amount of your personal medical treatment and that of your passengers if you're in an accident. In states where PIP insurance is not required, you have the option to purchase medical payments coverage. 

Uninsured motorist coverage: If you're in an accident with an uninsured motorist, this pays for any damage to your vehicle since the other driver will not have adequate insurance coverage to pay for the claim.

Optional coverage

Collision insurance: After colliding with other vehicles or objects, it's likely your vehicle will have damage. Collision insurance helps pay for the necessary repairs and even replacement of your vehicle. 

Comprehensive insurance: If a tree branch falls on your car, an icicle cracks your windshield, or a hail storm dents the roof of your Nissan Cube, comprehensive insurance pays to repair the damage. It will also cover events like vandalism, theft, and damage from natural disasters.

Glass coverage: Rock chips, cracks, and broken glass can impede your vision while on the road. It's also illegal to drive with a cracked or broken windshield. Glass coverage is a low cost, no deductible add-on that will pay the total cost to repair any broken glass on your vehicle. 

Gap insuranceIf you then get in an accident and your vehicle is deemed a total loss by your insurance company, you could be left having to pay the difference in what you owe for your Nissan Cube and your car's value. Gap insurance will cover these costs. 

What Affects the Cost of Insurance for Your Nissan Cube?

Annual mileage 

The more miles you drive, the more at risk you are of getting in an accident. Some companies offer low mileage discounts if you put less than 5,000 miles a year on your car.

Your driving record 

Traffic tickets and violations imply to the insurance company that you're not a safe driver. Fortunately, violations can be dropped from your record and your insurance agent can help you determine when that will be. 

The value of your vehicle 

The fact that the Nissan Cube has not had a new model in more than five years will help keep your insurance premiums lower than if you needed to insure a brand new vehicle. 

Average Nissan Cube Insurance Costs

The average, full coverage auto insurance for Nissan Cube owners is $1,212 a year, which breaks down to around $101 a month. Teens and high-risk drivers will pay much more than the national average because of the likelihood for claims. For example, teen drivers will pay around $4,690 and high-risk drivers will pay $2,620. However, with discounts, a driver with no violations can pay as little as $713.

Here's how Nissan Cube premiums change for younger vs. older drivers

Driver AgePremium
16$4,690
20$2,792
30$1,250
40$1,212
50$1,110
60$1,088

The Safety of Your Nissan Cube

The 2014 Cube offers a variety of safety features and amenities, and it earned mostly "Good" ratings from the Insurance Institute for Highway Safety (IIHS). Compact hatchbacks and wagons like the Nissan Cube tend to be affordable to purchase, and owners enjoy lower-than-average insurance rates. 

Insurance companies treat safer vehicles more favorably because they are less likely to have to pay costly claims for passenger injuries and repairs. Cars with lower safety ratings are generally more costly to insure. 

The 2014 Nissan Cube received the following safety ratings from the Insurance Institute for Highway Safety (IIHS).

  • Moderate overlap front test: Good
  • Side impact test: Good
  • Roof strength test: Good
  • Head restraints and seats: Good

Certain safety features like anti-lock brakes, airbags, and automatic seatbelts may help you qualify for an additional discount on your Nissan Cube insurance.

How Location Affects Your Nissan Cube Insurance 

City drivers who deal with a lot of traffic and potential vandalism will pay more than someone who lives in the countryside and faces less risk. Large city dwellers will pay closer to $1,636 while small cities will pay $1,273. If you live in a rural area you could pay closer to $900. 

Which states are most affordable and least affordable for car insurance? 

Estimated annual Nissan Cube insurance premiums in the United States

Most expensive states
Florida$1,518
Rhode Island$1,618
Kentucky$1,656
Louisiana$1,794
Michigan$2,106
Most affordable states
North Carolina$700
Virginia$724
Maine$748
Iowa$818
Idaho$820

Top Insurance Carriers That Insure the Nissan Cube

The insurance company you choose will determine your coverage and if they have the funds to foot the bill. Your carrier needs to be responsive and have an A-rated reserve for claim payouts. The US Independent Insurance Agent Satisfaction Study by J.D. Power gave these companies a trustworthy recommendation.

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

Where to Find Car Insurance for Nissan Cube

The Nissan Cube is a quirky compact hatchback with limited appeal. It is, however, a functional, safe and affordable vehicle that will likely please the driver who seeks out its unique style.  

Purchasing a hatchback or wagon is a great way to keep your insurance rates low, and many of the Cube’s safety features may help you qualify for insurance company discounts. 

An independent TrustedChoice.com agent can help you find high-quality Nissan Cube insurance that fits your needs and budget. Local agents can get quotes from multiple highly rated insurance companies and compare rates and coverage so you can be sure you are getting what you need. 

Find an independent agent in your area. 

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