Cheap Nissan Auto Insurance in 2024 (Save With These 10 Companies)

Erie, AAA, and State Farm are the top providers for cheap Nissan auto insurance.

Nissan auto insurance costs as low as $22/mo for minimum coverage at the cheapest companies. However, factors such as vehicle age, type, and mileage all impact Nissan insurance rates. So, it’s always important to compare auto insurance rates by vehicle make and model to find the best Nissan car insurance.

Luckily, Nissan owners see fairly low rates from most top insurers.

We’ll go over how much Nissan car insurance costs and how to find cheap Nissan auto insurance below. Then, you can start comparing free Nissan insurance quotes today by entering your ZIP code above.

#1 – Erie: Top Pick Overall

Pros

• Filing Claims: Erie has a simple claims process, which you can read more about in our Erie review.
• Rate Lock: Customers who rarely make policy changes will benefit from Erie’s rate lock guarantee.
• Add-On Coverages: Erie offers coverages to help meet different driver needs, such as roadside assistance.

Cons

• UBI Discount: Erie offers gift cards through its UBI program instead of an auto insurance discount.
• Availability: Currently, Erie auto insurance is not offered in all states.

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#2 – AAA: Best for Roadside Assistance

Pros

• Roadside Assistance: AAA has one of the best roadside assistance programs, which you can read about in our review of AAA.
• Membership Perks: AAA members qualify for discounts on shopping, traveling, and more.
• Coverage Choices: AAA has a selection of add-on coverages for customers.

Cons

• Membership Fee: Customers must pay an annual AAA membership fee to purchase auto insurance.
• Various Clubs Sell AAA Coverage: AAA auto insurance is sold by different clubs, so customer service and coverage can vary from state to state.

#3 – State Farm: Best for Local Agents

Pros

• Local Agents: State Farm offers great customer service, in part due to its availability of local agents. Learn more in our State Farm auto insurance review.
• Multi-Policy Discount: State Farm customers can save by bundling policies.
• Financial Ratings: State Farm has great financial strength ratings.

Cons

• Agent-Only Purchases: You can’t purchase a policy online after getting a quote.
• UBI Discount Availability: Customers may not be able to get State Farm’s UBI discount in their state.

#4 – Progressive: Best for Loyalty Rewards

Pros

• Loyalty Rewards: Customers who stick with Progressive may earn a loyalty discount. Learn about Progressive’s other saving opportunities in our Progressive review.
• Budgeting Tool: Progressive’s free tool allows customers to calculate their coverage options on a budget.
• Add-On Coverages: Progressive’s selection of add-on coverages includes gap insurance for new Nissans.

Cons

• UBI Rate Increases: Poor driving performances while participating in Progressive’s UBI program can result in rate increases.
• Customer Satisfaction: Progressive has average and below-average ratings and reviews for its customer service.

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#5 – The Hartford: Best for Organization Discount

Pros

• Organization Discount: AARP members qualify for a discount at The Hartford. Learn more in our review of The Hartford.
• UBI Program: Customers can save by participating in The Hartford’s UBI program.
• Accident Forgiveness: The Hartford offers accident forgiveness to safe drivers.

Cons

• Rates Best for Older Drivers: The Hartford’s rates for younger drivers are often more expensive than the average.
• Customer Complaints: Some customers have negative reviews for The Hartford.

#6 – Nationwide: Best for Widespread Availability

Pros

• Widespread Availability: Nationwide is available across the U.S. Read more about the company in our Nationwide auto insurance review.
• Vanishing Deductibles: Claim-free customers can qualify for deductible deductions.
• Accident Forgiveness: Nissan owners with clean driving records may be forgiven their first at-fault accident.

Cons

• High-Risk Driver Rates: Nationwide’s rates for high-risk drivers tend to be above average.
• Customer Reviews: Some customers rated Nationwide’s customer service as below average.

#7 – American Family: Best for Customer Service

Pros

• Customer Service: American Family has good reviews from customers. Learn more about the company in our American Family review.
• Coverage Options: Customers can purchase extras like gap insurance for their Nissans.
• Discount Options: American Family has loyalty discounts, good driver discounts, and more.

Cons

• Availability: Currently, American Family is not available in every state.
• High-Risk Driver Rates: American Family’s rates often aren’t as competitive for high-risk drivers.

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#8 – Farmers: Best for First-Responder Discount

Pros

• First-Responder Discount: First responders can qualify for an affiliation discount at Farmers.
• Coverage Options: Farmers has add-ons like roadside assistance to round our policies. Learn more about Farmers’ coverage in our Farmers review.
• Accident Forgiveness: Customers with clean driving records will benefit from Farmers’ accident forgiveness policy after their first at-fault accident.

Cons

• Lacks Gap Insurance: New Nissan owners won’t be able to purchase gap insurance from Farmers.
• UBI Discount Availability: Farmers’ UBI discount is unavailable in some states.

#9 – Allstate: Best for Usage-Based Discount

Pros

• Usage-Based Discount: Allstate offers a UBI discount for good drivers. Learn about the company’s other discounts in our review of Allstate.
• Coverage Options: Allstate offers plenty of add-ons, like rideshare insurance, to meet customers’ needs.
• Availability: Allstate insurance is available in every state, so customers don’t need to switch providers before a move.

Cons

• UBI Discount Availability: Allstate doesn’t offer its UBI discount in a few states.
• High-Risk Driver Rates: Allstate’s rates are less competitive for some high-risk drivers, such as DUI drivers.

#10 – Liberty Mutual: Best for Business Vehicles

Pros

• Business Vehicles: If your Nissan is a work vehicle, Liberty Mutual has great insurance for business vehicles.
• 24/7 Support: Liberty Mutual offers 24/7 support. Learn more about the company in our Liberty Mutual review.
• Discount Options: Customers can save with good driver discounts, bundling discounts, and more.

Cons

• UBI Discount Availability: Not all states offer Liberty Mutual’s UBI discount.
• Customer Ratings: Liberty Mutual scored average or below average ratings from customers for customer service.

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Cheap Nissan Auto Insurance Rates

Are Nissans expensive to insure? It costs around $147 monthly to get full coverage auto insurance for a Nissan.

However, every insurance company uses different formulas when calculating rates, and considers factors unique to each driver, such as driving record, demographics, and vehicle type. We’ll go over Nissan car insurance rates by model below.

Average Cost of Nissan Altima Car Insurance

Nissan Altima auto insurance averages $145 monthly. See how much you could pay to insure your Altima with the top companies below:

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If your Nissan insurance company doesn’t offer you the lowest rates for your Altima, consider switching to get cheap auto insurance from a different car insurance company. Get quotes from cheap companies like Erie or State Farm to find out which offers the best deal. 

Every vehicle’s value reduces over time, resulting in the cost of insurance decreasing, especially if you have certain types of auto insurance. Here’s what to expect to pay for insurance for a Nissan Altima based on the model year.

Nissan Altima Auto Insurance Monthly Rates by Model Year

Model	Rates
2023 Nissan Altima	$144
2020 Nissan Altima	$120
2019 Nissan Altima	$118
2018 Nissan Altima	$118
2017 Nissan Altima	$117
2016 Nissan Altima	$116
2015 Nissan Altima	$114

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Newer Nissan Altimas cost more to insure compared to older models, largely due to an older model costing less to repair, so insurance companies will charge more for coverage when you have a newer model.

Auto insurance for young adults is also more expensive than for older adults. Check out the average cost to insure an Altima by age below:

Nissan Altima Auto Insurance Monthly Rates by Driver's Age

Age	Rates
16-Year-Old	$461
17-Year-Old	$408
18-Year-Old	$359
19-Year-Old	$257
20-Year-Old	$230
21-Year-Old	$182
22-Year-Old	$167
23-Year-Old	$153
24-Year-Old	$144
25-Year-Old	$130
40-Year-Old	$110

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Once drivers turn 25 years old, they will likely see a decrease in their insurance rates because they have gained more experience behind the wheel.

Average Cost of Nissan Versa Car Insurance

You’ll pay around $137 monthly for Nissan Versa car insurance coverage. However, you could find cheaper rates by insuring an older model:

Nissan Versa Auto Insurance Monthly Rates by Model Year

Model	Rates
2020 Nissan Versa	$114
2019 Nissan Versa	$113
2018 Nissan Versa	$112
2017 Nissan Versa	$112
2016 Nissan Versa	$111
2015 Nissan Versa	$109
2014 Nissan Versa	$107
2013 Nissan Versa	$104
2012 Nissan Versa	$100
2011 Nissan Versa	$96
2010 Nissan Versa	$94

As you can see, you could insure a 2011 Nissan Versa for around $96 monthly. Read more about auto insurance for older cars and how they can help you save on Nissan insurance.

Average Cost of Nissan Leaf Car Insurance

Nissan Leaf auto insurance costs $153 monthly for full coverage. As an electric vehicle, it has more expensive repair costs, so you’ll pay higher rates for car insurance for Nissan Leafs. Check out the table below to compare Nissan Leaf coverage costs by age:

Nissan Leaf Auto Insurance Monthly Rates by Age

Age	Rates
16-Year-Old	$560
20-Year-Old	$348
30-Year-Old	$160
40-Year-Old	$153
50-Year-Old	$140
60-Year-Old	$137

As you can see, you’ll pay a lower Nissan Leaf insurance cost the older you are since you have more driving experience. Your Leaf could also qualify for electric vehicle auto insurance discounts, including a $7,500 tax credit.

Discover Nissan Vehicle Comparison

This table compares the safety ratings of small SUVs from Nissan and Chevy, focusing on whether Nissan’s ratings surpass those of Chevy.

Nissan Vehicle Comparison
Is Nissan's safety rating on small SUVs better than Chevy's?
Nissan Leaf vs. Toyota Prius [Infographic]

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The table also contrasts Nissan with Toyota and offers a starting point for rate comparison.

Nissan Car Insurance Rates Across Models

Gain insights into the dynamic range of car insurance prices for various Nissan models, empowering consumers with comprehensive data to make well-informed decisions about their automotive insurance needs.

Cost of Car Insurance for Nissan's by Model
Nissan 240SX	Nissan Maxima
Nissan 370Z	Nissan Sentra
Nissan Cube	Nissan Versa
Nissan Kicks	Nissan Xterra
Nissan Leaf

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You will see price differences when comparing models, as Nissan Sentra insurance rates will be slightly different than Nissan Xterra insurance rates.

How Auto Insurance Rates for Nissans Get Calculated

There are various factors that affect auto insurance rates for Nissans, and each insurance company weighs factors differently.

Not only is a vehicle’s make, model, and year considered, but insurance companies also look at the vehicle’s engine size, cost of repairs, theft rates, and safety record.

Michelle Robbins Licensed Insurance Agent

Check out our list of common factors that affect car insurance rates for Nissans:

• Age
• Driving record
• Mileage
• Location
• Gender
• Nissan model
• Coverage type
• Credit score
• Marital status

Of course, you should always compare Nissan car insurance quotes from the best auto insurance companies for the cheapest premiums.

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How to Save Money on Nissan Car Insurance Quotes

Nissan auto insurance costs around 24% higher than the national average, but discounts can help you save.

Here’s how you can save money on Nissan car insurance:

• Shop around. Compare multiple Nissan insurance quotes from local companies to find the cheapest rates.
• Increase your credit score. Your credit score can impact your auto insurance rates. The higher your credit score, the lower the cost of auto insurance because your insurance company will view you as a safe driver.
• Confirm available discounts. Confirm which auto insurance discounts are offered by your insurance company and inquire about how to apply them to your policy.
• Bundle insurance policies. Purchasing multiple insurance policies from the same company may earn you a discount on your car insurance. 
• Remove and/or adjust coverage. Reviewing your policy and removing or adjusting coverage, coverage limits, or auto insurance deductible amounts can lower your Nissan insurance cost.
• Avoid traffic violations and accidents. Nissan insurance companies check driving records, so it’s important to keep a clean driving record. A clean driving record shows your insurer that you’re a safe driver, and you’ll see cheaper Nissan auto insurance rates.

In most cases, making a few quick and easy changes can get you down to a more acceptable number if you’re not satisfied with your current Nissan auto insurance rates.

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More About How to Buy a Cheap Nissan Auto Insurance Policy

Generally, insurance for a Nissan is affordable if you know how to lower your auto insurance rates for Nissan coverage. Of course, the cost of auto insurance will vary based on several factors. So, while it might cost around $145 monthly for Nissan Altima insurance, you’ll pay around $158 monthly for a Nissan Maxima.

So, get started on comparing cheap Nissan insurance quotes today by entering your ZIP code below.

Frequently Asked Questions

What is Nissan auto insurance?

Nissan auto insurance refers to the insurance coverage specifically designed for Nissan vehicles. It provides financial protection in the event of accidents, damage to the vehicle, or injuries to individuals involved in a car accident while driving a Nissan.

Are Nissan cars expensive to insure?

Nissan auto insurance costs around $147 monthly, about 24% higher than the national average.

How do I get quotes for a Nissan Altima?

To get quotes for a Nissan Altima, you select multiple car insurance companies and provide each with the requested personal and vehicle information. Learn more: How to Get Multiple Auto Insurance Quotes

How much is insurance for a 2023 Nissan Altima?

Nissan Altima insurance costs around $145 monthly, close to the overall Nissan average.

Why is Nissan Altima insurance so high?

Nissan auto insurance shouldn’t be too expensive, so if your Nissan Altima insurance rates are high, see if you can reduce your rates. You can save money on Nissan Altima insurance by doing any of the following:

• Shopping around
• Increasing your credit score
• Confirming available discounts
• Bundling insurance policies
• Removing and/or adjusting coverage
• Avoiding traffic violations and accidents.

Which Nissan is cheapest to insure?

The Nissan Pathfinder and Armada are the cheapest Nissans to insure, averaging $131 monthly. Read more about Nissan Pathfinder auto insurance.

How does the vehicle’s model year impact the cost of insurance?

The vehicle’s model year can drive up the cost of insurance because the newer the vehicle, the higher the cost of repairs.

Why is a Nissan Maxima so expensive to insure?

Nissan Maxima auto insurance averages $158 monthly, more than 7% higher than the overall Nissan average. Nissan Maxima insurance rates are high partly due to their high theft rate.

Do I need specific insurance for my Nissan vehicle?

Yes, all vehicles, including Nissan vehicles, require auto insurance coverage to comply with legal requirements and protect against potential financial losses. Nissan auto insurance provides coverage tailored to the specific needs of Nissan owners.

Why is Nissan insurance so expensive?

Nissan insurance can be more expensive because of poor crash safety ratings and expensive repair costs. To find cheap car insurance for Nissan vehicles, compare rates with our free tool.

Best Nissan Kicks Auto Insurance (2024)

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Written by:

Melanie Musson

Published Insurance Expert

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...

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Written by Melanie Musson

Published Insurance Expert

Reviewed by:

Jeff Root

Licensed Insurance Agent

Jeff is a well-known speaker and expert in insurance and financial planning. He has spoken at top insurance conferences around the U.S., including the InsuranceNewsNet Super Conference, the 8% Nation Insurance Wealth Conference, and the Digital Life Insurance Agent Mastermind. He has been featured and quoted in Nerdwallet, Bloomberg, Forbes, U.S. News & Money, USA Today, and other leading fina...

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Reviewed by Jeff Root

Licensed Insurance Agent

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