Nissan Car Insurance: Best Rates for 2025

From the affordable Versa to the aptly named Armada, Nissan has vehicles for everyone. No matter what you are looking for, whether you're in the market for an efficient electric vehicle, a crossover or SUV, a sedan, truck, or sports car, Nissan has something for you..

Nissan performs well in customer satisfaction, and it tends to have loyal customers (I owned two Nissan Versas myself!).

When it comes to Nissan car insurance, premiums for these vehicles tend to be slightly higher than the national average for all vehicles. However, there are ways to save money on your policy — you can shop around, ask about discounts, or adjust your coverage to help reduce your premiums.

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Average cost to insure a Nissan

Model	Average cost
Nissan 370Z	$176
Nissan Maxima	$164
Nissan LEAF	$158
Nissan Altima	$165
Nissan Sentra	$163
Nissan Versa	$152
Nissan Pathfinder	$141
Nissan 350Z	$146
Nissan Rogue	$138
Nissan Frontier	$129
Data from Insurify

Best companies for Nissan car insurance

Company name	Best for	Average monthly full coverage cost	Average monthly liability-only cost
GEICO	Low rates	$142	$111
USAA	Service members and veterans	$99	$50
Nationwide	Discount programs	$181	$90
State Farm	Customer satisfaction	$116	$55
Progressive	Digital experience	$171	$105

Geico

Best for low rates

Company details

AM Best: A++
J.D. Power claims satisfaction: 692/1,000 (study average 697)
BBB: A+
NAIC complaints: 0.75

Geico was one of the cheapest insurance companies for Nissan vehicles. Only USAA — which is available only to military service members, veterans, and their families — was cheaper.

The company is well known thanks to its commercials and the much-loved gecko. But, Geico backs its popularity with a range of coverage options and discount programs that can make your insurance policy even more affordable.

However, there are some drawbacks to keep in mind, particularly for Nissan owners. Geico doesn't sell GAP insurance, so if you're financing a new Nissan or leasing a vehicle, you'll need to get GAP coverage elsewhere.

Pros

Cheaper-than-average rates for Nissan vehicles
Multiple discount programs
Sells mechanical breakdown insurance for added protection

Cons

Lower claims satisfaction rankings
Limited agent network
Doesn't offer GAP coverage

Learn more in our GEICO review.

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USAA

Best for military service members and veterans

Company details

AM Best: A++ (Superior)
J.D. Power claims satisfaction: 726/1,000 (study average 697)
BBB: A+
NAIC complaints: 0.96 (Private passenger)

If you are a military service member, veteran, or qualifying family member, USAA is tough to beat. Its rates for Nissan car insurance policies are significantly lower than the industry average for both full coverage and liability-only policies, and it has excellent customer satisfaction ratings.

The downside? Not everyone is eligible for USAA membership or coverage. Unless you meet the criteria, you will not be able to purchase a policy.

Pros

Cheaper-than-average rates
Extra perks for service members
High customer satisfaction ratings

Cons

Fewer discount programs than other insurers
Limited eligibility

Learn more in our USAA review.

Nationwide

Best for discount programs

Company details

AM Best: A (Excellent)
J.D. Power claims satisfaction: 728/1,000 (study average 697)
BBB: A+ (Accredited)
NAIC complaints: 0.70

Nationwide is a well-known company with a strong reputation for customer service. In fact, J.D. Power ranked Nationwide fourth out of 21 insurers in its 2024 Auto Claims Satisfaction Study.

Where Nationwide really stands out is with its discount programs. It has a range of discounts, including good student, safe driver, autopay, and multi-policy discounts. But, it also has two usage-based insurance (UBI) or pay-per-mile programs that can help drivers who cover fewer-than-average miles and drive safely save money.

However, Nationwide isn't available everywhere: Its policies aren't available in Alaska, Hawaii, Louisiana, or Massachusetts.

Pros

Usage-based and telematics programs
Strong customer satisfaction ratings
Accident forgiveness available in some states

Cons

Not available in all states
Smaller agent network

Learn more in our Nationwide review.

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State Farm

Best for customer satisfaction

Company details

AM Best: A++ (Superior)
J.D. Power claims satisfaction: 710/1,000 (study average 697)
BBB: F
NAIC complaints: 0.84

State Farm is a standout choice for those looking for personalized assistance and superior customer service. State Farm was ranked well above the industry average in the J.D. Power 2024 Auto Claims Satisfaction Study, and it has a large network — over 19,000 strong — of agents who can provide help in person, over the phone, or via email.

Plus, it offers a broad range of coverage options and discount programs, including its Drive Safe & Save telematics program.

Unfortunately, State Farm isn't available everywhere. Residents of Rhode Island or Massachusetts will have to look elsewhere for coverage.

Pros

Large network of agents
Highly rated for customer satisfaction
Telematics programs available

Cons

Not available in all states
Doesn't sell GAP insurance
Higher rates for drivers with infractions on their records

Learn more in our State Farm review.

Progressive

Best for a digital experience

Company details

AM Best: A+ (Superior)
J.D. Power claims satisfaction: 672/1,000 (study average 697)
BBB: A+ (Accredited)
NAIC complaints: 0.50

For Nissan drivers who want to shop for insurance and buy a policy entirely online, Progressive may be a good choice. Progressive offers a powerful digital experience; you can get quotes and even purchase coverage online or through your mobile phone.

Plus, Progressive has coverage options and add-ons that other companies don't — such as protection for your pets if they're in the car when you're in an accident, as well as rideshare insurance.

However, Progressive has a less-than-stellar reputation for customer service. It was ranked 20th out of 21 insurers in the J.D. Power 2024 Auto Claims Satisfaction Study.

Pros

Online quotes and purchasing
Extra coverage options available
Available in all 50 states

Cons

Poor customer satisfaction rating
Snapshot program isn't available everywhere
Higher rates for some purchase methods

Learn more in our Progressive review

Buying a Nissan? What coverage you'll need

If you're planning on buying a new or used Nissan vehicle, you'll need to consider the following types of car insurance when creating your budget:

Liability: Nearly every state requires drivers to have policies that meet the state's liability requirements. Liability coverage pays for injuries or damages you cause to another driver and their passengers.
Collision: Collision protection pays for the repairs your own car needs after an accident.
Comprehensive: Comprehensive insurance protects you against weather damage, theft, fires, and other non-collision hazards.
Guaranteed asset protection (GAP): If you lease or finance your Nissan, you may need GAP coverage. GAP comes in handy if you're in an accident and your car is a total loss; GAP insurance pays for the difference between what you owe on your car loan and the car's value.

What factors affect Nissan car insurance rates?

Several factors affect your Nissan car insurance premiums, including:

Car's value: In general, the higher your car's value, the more expensive your car insurance coverage will be. Why? If your car is damaged or totaled in an accident, the car is more costly to repair or replace than cheaper vehicles.
Your age: Younger drivers, due to their inexperience behind the wheel, are statistically more likely to be in accidents than other age groups, so they pay higher rates for coverage.
Your gender: Statistically speaking, men are in more accidents than women, so they tend to pay higher premiums.
Your credit: In many states, insurance companies can use your credit-based insurance score as part of the underwriting process. Generally, those with poor credit will pay a higher rate for coverage.
Location: Drivers in urban areas pay higher rates for coverage than those in suburban or rural areas due to higher congestion levels and a higher incidence rate of accidents and theft.
Typical vehicle use: How you use your vehicle — and how far you drive — affects your rates. For example, if you commute five days a week, and it's a 25-mile drive to work, you'll pay more for coverage than someone who works from home and primarily uses this car for the occasional errand.

Tip

On average, drivers cover about 13,500 miles per year. If you are a stay-at-home parent, work from home, or have a very short commute, you may drive less than that, so you may be able to save money on your Nissan car insurance by opting for a usage-based insurance policy.

FAQs

Why do some Nissan models cost more to insure than others?

Some models, such as the Nissan 370Z, are more expensive to insure than other Nissan vehicles. There are several factors behind the higher rates. You can no longer purchase a new 370Z (it was discontinued in 2020), but it was a high-performance sports car. As a compact two-seater with a powerful engine, it was more expensive to insure due to its higher sticker price (and the increased risk of serious accidents). The Nissan Z and GT-R are both sports cars that are still being made; the GT-R starts at $121,090.

Are Nissans expensive to insure compared to other brands?

Nissans are slightly more expensive to insure than other car brands. On average, Nissan drivers pay $1,824 per year for insurance, about 3% higher than the national average for all makes.

What happens if my Nissan is totaled?

If your Nissan is totaled in an accident, what happens next depends on the type of insurance you have. If the other driver was at fault, you can work with the other driver's insurance to have your vehicle replaced.

If you're at fault, your car is covered only if you have collision insurance. If that's the case, you can submit a claim through your own insurer for the car.

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Bottom line

Whether you are the proud owner of the NIssan GT-R or zip around in the Nissan Versa, Nissan car insurance rates tend to be close to the national average. To find the lowest rates for the coverage you want, it's wise to request quotes from several companies. The best car insurance companies are a good starting point as you start shopping for coverage.

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