Nissan Cube Insurance Cost Estimate [Rates + Coverage Guide]

Nissan Cube insurance rates cost $101 per month ($1,212 per year) on average for full coverage car insurance. For owners of an older Nissan Cube, liability-only costs $41 per month (or $486 per year) for Nissan Cube insurance. The Nissan Cube has good safety ratings and a variety of safety features.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Feb 16, 2021

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Things to Remember

  • Full coverage costs around $1,212 a year or $101 each month.
  • A liability-only policy costs around $486 a year or $41 each month.
  • Highest rates are for teenage drivers at around $4,430 a year or $369 each month.
  • Good drivers can save as much as $500 a year by earning policy discounts.
  • Nissan Cube insurance costs around $307 less per year than the average vehicle.

You can save up to $307  a year on auto insurance rates when you insure a Nissan Cube. Nissan Cube insurance rates are $101 per month for full coverage and $41 per month for liability-only coverage.

Continue reading to learn how you can get out of the box of expensive rates and onto the open road of cheaper Nissan Cube insurance rates. Get low-cost full coverage auto insurance or liability-only coverage.

Ready to buy Nissan Cube auto insurance? Find the best Nissan Cube auto insurance company for your needs. You can start comparing quotes for Nissan Cube automobile insurance rates from some of the best auto insurance companies by using our free online tool now.

Nissan Cube Auto Insurance Cost

The average Nissan Cube auto insurance rates are $1,212 a year or $101 a month.

The chart above looks at some of the factors that determine the Nissan Cube’s average insurance rates. Read on to see how those rates compare with other cars in the same class.

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Are Nissan Cubes Expensive to Insure?

The chart below details how Nissan Cube insurance rates compare to other Nissan Cube alternative hatchbacks like the FIAT 500L, Kia Soul, and Toyota Yaris.

Average Annual Auto Insurance Rates for Similar-Size Hatchbacks
Vehicle Make and ModelAverage Annual Comprehensive RatesAverage Annual Collision RatesAverage Annual Liability RatesAverage Annual Rates
FIAT 500L$256.00$478.00$450.00$1,364.00
Kia Soul$308.00$500.00$372.00$1,338.00
Toyota Yaris$256.00$478.00$398.00$1,290.00
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However, there are a few things you can do to find the cheapest Nissan insurance rates online.

What Impacts the Cost of Nissan Cube Auto Insurance?

The Nissan Cube box trim and model you choose can impact the total price you’ll pay for Nissan Cube insurance coverage.

Age of the Vehicle

The average Nissan Cube auto insurance rates are higher for newer models. For example, auto insurance rates for a 2014 Nissan Cube are $1,212, while 2010 Nissan Cube rates are $1,084, a difference of $128.

Auto insurance is more expensive for newer cars simply because it costs more to repair or replace them.

Average Annual Nissan Cube Auto Insurance Rates By Model Year
Model YearAverage Annual Comprehensive RatesAverage Annual Collision RatesAverage Annual Liability RatesAverage Annual Rates
2010 Nissan Cube$190.00$272.00$464.00$1,084.00
2011 Nissan Cube$196.00$292.00$460.00$1,106.00
2012 Nissan Cube$210.00$316.00$460.00$1,144.00
2013 Nissan Cube$218.00$352.00$456.00$1,184.00
2014 Nissan Cube$228.00$374.00$452.00$1,212.00
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Driver Age

Driver age can have a significant effect on Nissan Cube auto insurance rates. For example, 30-year-old drivers pay $53 more for Nissan Cube auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Nissan Cube insurance rates. For example, drivers in Los Angeles may pay $667 a year more than drivers in Phoenix.

Your Driving Record

Your driving record can have an impact on the cost of Nissan Cube auto insurance. Teens and drivers in their 20s see the highest jump in their Nissan Cube auto insurance rates with violations on their driving record.

Nissan Cube Safety Ratings

Your Nissan Cube auto insurance rates are tied to the safety ratings of the Nissan Cube. See the breakdown below:

Nissan Cube Safety Ratings
Test TypeRating
Head restraints and seatsG
Moderate overlap frontG
Roof strengthG
SideG
Small overlap front: driver-sideNot Tested
Small overlap front: passenger-sideNot Tested
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This video from the IIHS shows a crash test for a 2009 Nissan Cube.

This moderate overlap crash test received a “Good” rating.

Nissan Cube Crash Test Ratings

Good Nissan Cube crash test ratings mean the vehicle is safe, which could mean cheaper Nissan Cube auto insurance rates.

Nissan Cube Crash Test Ratings
Impact TestNissan Cube Rating
FrontalN/R
OverallN/R
Rollover4 stars
SideN/R
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Nissan Cube Safety Features

The numerous safety features of the Nissan Cube help contribute to lower insurance rates. The 2020 Nissan Cube has the following safety features:

  • Driver Airbag
  • Passenger Airbag
  • Front Head Airbag
  • Rear Head Airbag
  • Front Side Airbag
  • 4-Wheel ABS
  • Front Disc/Rear Drum Brakes
  • Brake Assist
  • Electronic Stability Control
  • Child Safety Locks
  • Traction Control

Nissan Cube Finance and Auto Insurance Cost

When financing a Nissan Cube, most lenders will require you to carry higher Nissan Cube coverage options including comprehensive coverage, so be sure to shop around and compare Nissan Cube auto insurance rates from the best companies using our FREE tool below.

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Ways to Save on Nissan Cube Auto Insurance

If you want to reduce the cost of your Nissan Cube insurance rates, follow the tips below:

  • Move to a safe neighborhood.
  • Use an accurate job title when requesting Nissan Cube auto insurance.
  • Maintain a clean driving record.
  • Work with a direct insurer instead of an insurance broker for your Nissan Cube auto insurance.
  • Check reviews and state complaints before you choose an insurer.

Top Nissan Cube Auto Insurance Companies

The best auto insurance companies for Nissan Cube auto insurance rates will offer competitive rates and discounts that account for the Nissan Cube’s safety features. The following list of auto insurance companies features the insurers with the highest market shares in the industry.

Top 10 Auto Insurance Companies by Market Share
RankCompaniesVolumeMarket Share
1State Farm$65,615,190.009.30%
2GEICO$46,106,971.006.60%
3Progressive$39,222,879.005.60%
4Liberty Mutual$35,600,051.005.10%
5Allstate$35,025,903.005.00%
6Travelers$28,016,966.004.00%
7USAA$23,483,080.003.30%
8Chubb$23,388,385.003.30%
9Farmers$20,643,559.002.90%
10Nationwide$18,442,145.002.60%
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Compare Free Nissan Cube Auto Insurance Quotes Online

You can start comparing quotes for Nissan Cube insurance from some of the top auto insurance companies by using our free online tool today.

With its funky design, roomy interior, and easy handling, the Nissan Cube has attracted a lot of attention. Targeted toward city dwellers, this car has been designed to make maximum use of seating and interior features.

A relatively inexpensive car, a well-maintained Nissan Cube driven by a cautious driver can be insured at reasonable rates.

If you’re looking for cheap Nissan Cube insurance, type your ZIP code into our FREE quote tool above today.

In today’s market, affordability is key. Not only are insurance rates shooting through the roof, making it difficult to afford good insurance, but the unstable economy is also forcing many people to drive without insurance or with very low coverage.

According to MSNBC, one out of every six people behind the wheel is uninsured.

So it’s very important to get the best possible insurance at the lowest price for your trendy Cube.

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About Nissan the Automobile Company

The Nissan Motor Company is a Japanese automaker headquartered in Yokohama. It’s the sixth-largest automobile manufacturer in the world.

Besides the Nissan lineup of vehicles, the company also sells the luxury Infiniti line.

Nissan models are known for their reliable handling, sturdy workmanship, and safety.

From sedans like the Sentra and the Altima, SUVs like the Rogue, alternative fuel tech cars such as the Leaf, and trucks like the Titan, Nissan has a range of automobiles to suit all tastes and budgets.

Starting at $11,000 for its sedans, Nissan sells high-performance cars for up to $97,000.

About the Nissan Cube

The Nissan Cube is a small car or wagon popular with urban dwellers who are strapped for road and parking space.

Comfortable seating, practical design, and easy maneuverability make it a good city car.

With its unique, eye-catching shape and innovative technology, the Cube is an affordable option for those seeking a standout car.

Priced at approximately $15,000 for its 1.8 model, it goes up to about $20,000 for the 1.8 S Indigo Limited model.

The Cube comes with phenomenal options such as the Nissan Navigation System, rearview monitor, heated seats, remote keyless entry with an integrated key, and push-button ignition, among others.

With all the fancy gadgetry and comfortable seating, the Cube is gaining a loyal following. Make sure you get the best and most comprehensive coverage for your unique model.

Different Forms of Auto Insurance

By law, you’re required to get auto insurance if you drive in the United States.

While most states mandate minimum amounts of insurance, as consumers you have the option of getting additional forms of auto insurance depending on your budget and needs.

So make sure you look at the various options available so that you can get the best insurance package for your Nissan Cube.

Some of the insurance industry standards are as follows:

Bodily Injury Liability (BIL):

BIL pays for medical costs incurred in an at-fault accident. It covers other drivers, passengers, and/or pedestrians.

Bodily injury liability insurance is also used to pay for lost wages, household expenses incurred while recovering from an accident, and at-home nursing care.

BIL is very handy in cases of lawsuits where the insurance company pays toward legal fees.

Property Damage Liability

If you were to damage another car or property, such as a building, fences, traffic signals, or electric poles, among others, PDL comes into play. This is mandatory in many states.

Personal Injury Protection (PIP)

Mandatory in most states, PIP is the core of most insurance policies and is meant to pay all medical and funeral costs incurred due to an accident. Most states require a minimum of $10,000 in PIP coverage.

Collision Coverage

If your Nissan Cube is brand new or financed, it might be a good idea to get collision coverage. Collision will pay to repair damage to your own vehicle if you get into an accident.

Comprehensive Coverage

Comprehensive coverage will pay to repair or replace your Nissan Cube if it is damaged by anything other than a collision.

This would include damage caused by inclement weather such as tornadoes, hurricanes, flooding, or an animal encounter, as well as theft or vandalism.

Make sure you know the exclusions under comprehensive coverage on your policy so you don’t get caught by surprise when you go to file a claim.

Pay-as-You-Go Coverage

A relatively new product, pay-as-you-go coverage is based on the number of miles you drive and your driving record.

Just make sure you read the fine print on any policy you apply for and get your insurance from a reputable company.

Besides these options, insurance companies have created many other types of insurance policies that target specific groups.

If you own an expensive car that has high repair costs, you might want to tack on replacement parts coverage or extended warranties.

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Calculating Auto Insurance Rates

Drivers always wonder how insurance companies reach the rates and premium amounts they charge.

While it’s nearly impossible to figure out the exact calculations made by insurance companies, most of them incorporate specific elements in their trademarked equations.

Some of the basic components are as follows:

Your Driving Record

Points, citations, and tickets on your license can sound a pretty loud death knell on your insurance rates. A poor record indicates recklessness and a propensity for accidents.

This is a red flag for insurance companies. So drive carefully, follow the rules, and stick to the speed limits. Not only will this keep you and your family safe, it will reflect well on your insurance bill.

Your Automobile

Certain types of vehicles, such as convertibles, luxury cars, and SUVs, are more expensive to insure. This is because they’re more expensive to replace and/or research has shown that they’re more likely to be driven recklessly.

In other words, the make, model, and year of the car, as well as its accident history, make a difference on your insurance policy. Safety and crash ratings are important as well.

You can check your Cube’s ratings with the Insurance Institute for Highway Safety.

Location, Location, Location

Much like real estate, your residential or business address can greatly influence your auto insurance rates. Live in an earthquake prone area, the Tornado Alley, or a flood zone? Get ready for higher insurance rates.

You can find out how your area is rated at the National Flood Insurance website. Live in the city as opposed to a rural or suburban neighborhood? You will likely pay more for your Cube’s insurance. High crime areas have higher insurance rates.

Demographics

Your age, gender, and marital status are also considered in insurance calculations. Younger drivers, especially those under 25, pay more. Married people pay less than single people, and men often pay more than women.

College graduates are considered better drivers than those without degrees. For example, all other things being equal, a married woman with a college degree is likely to pay less than an unmarried woman with a college degree.

Your Credit Rating

Good FICO scores indicate financial responsibility, which in turn translates into good insurance rates.

So make sure you service your debts in a timely fashion and you’ll reap the benefits in all financial areas of your life.

Lowering Your Auto Insurance Rates

Bargain hunting is the way to shop, especially for insurance policies. However, an informed search is more likely to yield productive results.

So make sure you start your insurance hunt with enough knowledge to be able to ask the right questions. Learn about the different kinds of insurance, how much is the optimum amount you should seek, and what your budget limits are.

Another easy method to reduce your insurance bill is to raise your insurance deductible to $1,000.

Make sure you can afford the higher amount or start an emergency fund just in case you need to file a claim and pay that deductible.

Always drive carefully to avoid getting tickets, citations, or points on your license. This will help keep your insurance rates low. Careful driving will also earn you certain discounts such as the safe driver discount and accident-free discount.

If you speak to an insurance agent, ask them about all of the discounts you might be entitled to.

For instance, a Cube driver might be eligible for a safety discount, given some of the innovative safety features of the wagon.

Much like other products, you must comparison shop. Talk to various agents, use online calculators, and look into consolidator sites. You might score an amazing deal.

Additionally, ask your existing insurance company for a better deal. If you have made timely payments and are a good driver, your insurance company will try to retain you as a customer by offering better rates, service, or coverage.

Besides, these steps, you might consider dropping your comprehensive insurance coverage, especially if you have access to a garage or covered parking for your Cube, especially during inclement weather.

How much is a Nissan Cube?

A Nissan Cube, per Car and Driver, originally retailed for $19,825. But it’s not worth that anymore.

Kelley Blue Book now notes that the fair market purchase Nissan Cube price is between $6,786 and $9,673.

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Buying Automobile Insurance for Your Nissan Cube

Getting information about insurance has become much easier, but deciding on the right insurance can be stressful given the enormous number of offers available.

Irrespective of your insurance source, make sure you ask questions and read the terms and conditions of your policy thoroughly. You don’t want to be flipping through your policy after an accident, trying to figure out what’s covered.

Looking for affordable Nissan Cube car insurance? If you think scouring the internet for excellent insurance coverage is a painful exercise, just type your ZIP code into our FREE quote tool below for no-hassle Nissan Cube auto insurance quotes.

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