Nissan Cube Insurance

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

(The easy guide toward finding the right coverage)

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. 

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

The Cube has very low theft rates, and repairing it costs less than the national average. Overall, the Cube is affordable to own and insure 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. 

How Much Does Nissan Cube Insurance Cost?

Average Cost of Nissan Cube Insurance

Nissan Cube insurance averages about $844 per year. This is lower than the national average of $1,311. When determining rates, insurance companies look at the make and model of your vehicle and its history of accidents and claims. 

In addition, they also look at where you live and a variety of other factors, so not everyone will pay the same for Nissan Cube insurance. If you are interested in purchasing a Nissan Cube, knowing how it ranks compared to the national average is a great place to start your investigation of how much it will cost to insure. 

When determining insurance rates for a particular make and model, insurance companies assess its record of claims and the costs associated with repairs and passenger injuries. Larger SUVs, trucks, and sedans tend to cost less to insure because they are considered to be safer and are often driven by older, more cautious individuals and those with families. 

Your Nissan Cube insurance rates will also be determined by:

  • Where you live
  • Your age and gender
  • Your driving record 
  • Your marital status 
  • Your credit history
  • How much you drive

The types of coverage and deductibles that you choose also impact your insurance rates. If you purchase your state’s mandated minimum liability coverage, you will have lower insurance rates for your Cube than someone who chooses higher coverage limits. You can lower your rates by choosing higher deductibles (the amount you must pay out of pocket before your insurance coverage kicks in).

You may also qualify for some discounts from your insurance company. Your independent insurance agent can help you determine if you qualify for some of the most common discounts, including:

  • Multi-policy discount for those with multiple policy types (usually auto and home) with one insurance company
  • Multi-vehicle discount for those who insure more than one vehicle with an insurance company
  • Safe driver discount if you have a clean driving record
  • Good student discount for students who earn good grades

What Influences Insurance Costs for Hatchbacks?

Insurance companies look at several factors when determining how much to charge for insuring different types of vehicles:

  • Initial purchase price 
  • Repair costs
  • Model history of accidents
  • Safety ratings
  • Speed and power
  • Theft ratings

Hatchbacks and wagons are traditionally less expensive to insure than other types of cars, mostly because they tend to be affordable, family-friendly vehicles. 

Insurance costs for hatchbacks like the Nissan Cube can vary dramatically, however, with luxury or foreign models sometimes having much higher insurance rates. These vehicles tend to have high sticker prices, higher theft rates, and higher repair costs.

Most typical hatchbacks and wagons have very affordable insurance rates. 

Nissan Cube Auto Theft and Safety Ratings

Vehicle safety ratings are based on the frequency of accidents for a particular car model, and how likely it is for passengers to be injured. 

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:

  • 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.

Theft also plays an important role in how much you will pay for Nissan Cube insurance. According to the FBI’s Uniform Crime Report, more than $4.5 billion was lost nationwide to motor vehicle thefts in 2014. These losses are often in the form of auto insurance claims, so they are of great concern to auto insurance companies. 

For model year 2013, the National Crime Information Center of the FBI reported that 4 Nissan Cubes were stolen per 1,000 produced, with a theft rate of 0.64 per thousand. The national theft rate is 3.58 thefts per thousand for all cars, thus the Cube has a very low theft rate.

The comprehensive coverage portion of your auto insurance pays for losses due to theft, fire, vandalism, and other perils. This coverage costs more for high-theft vehicles, but since the Cube has a low theft rate the comprehensive coverage portion of your policy will likely not be significantly impacted.

Repairs Costs for the Nissan Cube

Repair costs also factor into how much you will pay for Nissan Cube insurance. In general, the more you pay for your car, the more expensive it will be to repair—and your insurance costs will reflect that. 

Foreign and luxury cars may also cost more to repair (and insure) because there may be greater difficulty obtaining parts if you are in a crash. 

Body Repairs for the Nissan Cube, including repairing or replacing the front bumper, grille, and windshield are lower compared to national average costs. 

This should help to keep your insurance rates low. Insurance companies are concerned with these prices because they reflect what they might have to pay out if you have to file a claim after an accident. 

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 Trusted Choice 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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