Cheap Nissan Car Insurance in 2024 (Save With These 10 Companies)
State Farm, Travelers, and Erie offers cheap Nissan car insurance rates and top coverage options, starting at $56 per month. State Farm offers the cheapest prices, Travelers has the best Nissan auto insurance with accident forgiveness, and Erie has the best 24/7 claims service for Nissan drivers.
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Jeff Root
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Jeff is a well-known speaker and expert in life 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...
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UPDATED: Sep 27, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.
UPDATED: Sep 27, 2024
It’s all about you. We want to help you make the right legal decisions.
We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes and legal advice should be easy. This doesn’t influence our content. Our opinions are our own.
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1,731 reviewsCompany Facts
Min. Coverage for Nissan
A.M. Best Rating
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Pros & Cons
1,731 reviews
1,814 reviewsCompany Facts
Min. Coverage for Nissan
A.M. Best Rating
Complaint Level
1,814 reviewsThe leading providers for cheap Nissan car insurance coverage are State Farm, Travelers, and Erie, with rates starting as low as $56 per month.
This guide highlights the top Nissan car insurance companies and explains how getting low-cost car insurance with driver discounts can get you the most affordable coverage.
Our Top 10 Company Picks: Cheap Nissan Car Insurance| Company | Rank | Monthly Rates | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | $56 | B | Many Discounts | State Farm |
 | #2 | $59 | A++ | Accident Forgiveness | Travelers |
 | #3 | $61 | A+ | 24/7 Support | Erie |
 | #4 | $63 | A+ | Add-on Coverages | Allstate |
 | #5 | $65 | A | Local Agents | AAA |
 | #6 | $68 | A+ | Online Convenience | Progressive |
 | #7 | $71 | A | High-Risk Drivers | Liberty Mutual |
 | #8 | $73 | A | Customized Policies | Farmers |
 | #9 | $79 | A | Student Savings | American Family |
 | #10 | $83 | A++ | Online Quotes | Geico |
Our free online comparison tool above allows you to compare cheap car insurance quotes instantly — just enter your ZIP code to get started.
- State Farm offers the cheapest Nissan insurance, starting at $56 per month
- Travelers provides accident forgiveness and monitoring for Nissan drivers
- Erie features 24/7 claims support and rate lock for Nissan owners
#1 – State Farm: Top Overall Pick
Pros
- Lowest Nissan Premiums: Explore our State Farm insurance review to compare Nissan insurance at just $56/month for minimum coverage.
- Nissan-Specific Discounts: State Farm provides numerous insurance discounts for Nissan, including savings for safety features common in newer models.
- Personalized Nissan Coverage Options: Drivers can customize their Nissan insurance policies with add-ons like rideshare coverage for Uber or Lyft.
Cons
- Inconsistent Repair Experiences: Some Nissan insurance customers have reported varying quality in State Farm’s recommended repair shops for their vehicles.
- Limited OEM Parts Coverage: State Farm may not always cover original equipment manufacturer (OEM) parts for Nissan repairs.
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#2 – Travelers: Cheapest Accident Forgiveness
Pros
- Accident Forgiveness: Prevent rate increases after an accident with Travelers accident forgiveness for Nissan car insurance owner’s first at-fault accident.
- Innovative Monitoring: Travelers’ IntelliDrive program uses smartphone apps to monitor driving habits and lower Nissan car insurance rates.
- Superior Financial Strength: With an A++ rating from A.M. Best, Travelers provides Nissan owners peace of mind regarding claim payouts and long-term reliability.
Cons
- Limited Telematics Integration: While offering a smartphone app, Travelers telematics insurance coverage lacks direct integration with Nissan’s built-in telematics systems.
- Stricter Eligibility Criteria: Some Nissan models may face more stringent eligibility requirements compared to other insurers.
#3 – Erie: Best for 24/7 Support
Pros
- Exceptional Nissan Claims Support: Erie’s 24/7 claims service ensures Nissan owners can get assistance anytime, crucial for unexpected incidents with their vehicles.
- Nissan-Friendly Rate Lock Option: Erie’s Rate Lock program can help Nissan owners maintain stable premiums, even if they file a claim, offering long-term cost predictability.
- Comprehensive Nissan Coverage Add-Ons: Erie offers unique add-ons like pet injury coverage and personal item coverage, ideal for Nissan owners who frequently travel with pets or valuables.
Cons
- Limited Nissan Geographical Availability: Erie only operates in 12 states, severely restricting access for cheap Nissan car insurance.
- Rate Hikes: Some Nissan owners report significant rate hikes at renewal. You can reduce your premiums by bundling home and auto insurance with Erie.
#4 – Allstate: Cheapest Add-on Coverages
Pros
- Extensive Nissan Coverage Options: Does Allstate offer roadside assistance? Allstate provides a wide range of add-ons tailored for Nissan insurance coverage.
- Usage-Based Rewards: Allstate’s Drivewise program offers potential Nissan insurance discounts for safe drivers using a mobile app or plug-in device to monitor driving habits.
- Robust Claims Tools: Allstate’s mobile app allows Nissan owners to easily file claims.
Cons
- Limited Benefits: Unlike some competitors, Allstate doesn’t offer many Nissan-specific perks or partnerships with Nissan dealerships for repairs.
- Less Flexible Policy Customization: Some Nissan owners may find Allstate’s policy structure less adaptable to their specific needs compared to more flexible insurers.
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#5 – AAA: Best for Local Agents
Pros
- Extensive Roadside Assistance: AAA’s renowned roadside assistance program is beneficial for Nissan owners. Learn more about this program in our AAA insurance review.
- Nissan Repair Shop Network: AAA has partnerships with numerous auto repair shops, potentially offering Nissan owners access to quality, trusted repair services for their vehicles.
- Comprehensive Nissan Travel Benefits: AAA membership includes travel perks that can benefit Nissan owners on road trips, such as hotel discounts and trip planning assistance.
Cons
- Membership Requirement: Nissan owners must become AAA members to access insurance products, adding an extra cost on top of premiums.
- Potential Nissan Premium Volatility: Some Nissan owners report significant rate increases at renewal, which could offset AAA’s initial competitive pricing over time.
#6 – Progressive: Best for Online Convenience
Pros
- Usage-Based Insurance: The Snapshot program offers potential discounts for safe Nissan drivers. See how it could lower your premiums in our Progressive insurance review.
- Flexible Nissan Policy Customization: Progressive offers a wide range of Nissan auto insurance coverage options and add-ons for customization.
- Extensive Digital Tools: Progressive’s mobile app and online portal offer Nissan owners advanced features for policy management, claims filing, and digital ID cards.
Cons
- Less Personalized Service: Progressive’s focus on digital tools may result in less personalized service for Nissan owners who prefer face-to-face interactions with local agents.
- Repair Network Limitations: Some Nissan owners report challenges finding Progressive-approved repair shops that specialize in their specific Nissan models.
#7 – Liberty Mutual: Cheapest for High-Risk Drivers
Pros
- High-Risk Driver Programs: Liberty Mutual offers specialized programs for Nissan drivers with less-than-perfect records.
- Discounts for Safety Features: Nissan vehicles equipped with advanced safety features can get discounts as mentioned in our Liberty Mutual insurance review.
- Nissan-Friendly Multi-Policy Bundling: Liberty Mutual offers significant discounts for Nissan owners who bundle their auto insurance with home, renters, or other policies.
Cons
- Limited Customization for Older Models: Older Nissan models may have fewer customization options.
- Less Competitive for High-Value Nissans: Coverage options may not be as competitive for high-value Nissan models.
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#8 – Farmers: Cheapest Customizable Policies
Pros
- Customizable Nissan Coverage Tiers: Farmers offers three customizable coverage packages for Nissan owners. Check out the available options in our Farmers insurance review.
- Flexible Nissan Policy Periods: Farmers offers both 6-month and 12-month policy terms, allowing Nissan owners to choose the duration that best aligns with their needs and budget.
- Advanced Equipment Coverage: Unique add-ons like customized equipment and OEM parts coverage offer specialized protection for various Nissan models.
Cons
- Regional Nissan Coverage Variations: Farmers’ Nissan insurance offerings and rates can vary significantly by region.
- Less Advanced Nissan Digital Tools: Farmers’ mobile app and online portal could be inconvenient for tech-oriented Nissan owners.
#9 – American Family: Cheapest for Students
Pros
- Competitive Student Discounts: AmFam offers big savings on Nissan car insurance to students and young drivers for maintaining good grades.
- Multi-Policy Discounts: As mentioned in our American Family homeowners insurance review, bundling your insurance can result in substantial savings.
- New Car Replacement Coverage: American Family offers new car replacement coverage for Nissan insurance, the replaces your vehicle if it’s totaled within the first year or 15,000 miles.
Cons
- Higher Minimum Coverage Rates: At $79/month for minimum coverage, AmFam’s Nissan car insurance rates are notably higher than many competitors.
- Inconsistent Discount Application: Discounts and promotions may not always be uniformly applied or easily accessible for Nissan owners.
#10 – Geico: Cheapest Online Quotes
Pros
- Easy Quote Process: Geico’s streamlined online quote process allows drivers to quickly compare Nissan auto insurance rates and find the best coverage options.
- Competitive Initial Pricing: Geico’s initial rates are often lower, especially for Nissan. Explore their rates in our Geico auto insurance review.
- No-Claims Bonus Program: Geico rewards safe driving with discounts for Nissan drivers who maintain a clean record, potentially reducing premiums over time.
Cons
- Personalized Service is Limited: Geico’s focus on digital interaction for Nissan car insurance may lack personalization.
- Complex Policy Terms: Policy details and terms can sometimes be complicated, requiring Nissan owners to carefully review coverage specifics and limitations.
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Top 10 Affordable Nissan Car Insurance Companies
When choosing affordable insurance for your Nissan, consider the monthly rates and coverage levels offered by top providers:
Nissan Car Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $65 | $144 |
| $63 | $142 |
| $79 | $158 |
| $61 | $138 |
| $73 | $155 |
| $83 | $161 |
| $71 | $151 |
| $68 | $148 |
| $56 | $127 |
| $59 | $135 |
How much does Nissan Cube car insurance cost? While companies like State Farm and Erie provide competitive pricing, remember to evaluate whether the coverage meets your needs. Ensure you understand what’s included to get the best protection for your Nissan.
Top 5 Key Factors Influencing Nissan Car Insurance Rates
Wondering why your Nissan insurance rates are high? From driving history to vehicle safety features, this section will help you understand and manage the factors that influence your insurance costs.
Vehicle Model and Trim
High-end models like the Nissan GT-R or 370Z typically have higher insurance rates due to their performance and repair costs. Conversely, Nissan models with advanced safety features can sometimes qualify for discounts, potentially lowering your insurance costs.
Driver’s Age and Experience
Young drivers usually have to pay more for car insurance because they haven’t been driving for very long and are more likely to have accidents.
Having a good driving record can lower their rates, but if they have a history of accidents or traffic tickets, their premiums may go up.
Location
Living in an urban area can increase insurance rates due to higher traffic and theft risks. Additionally, local weather conditions, crime rates, and regional insurance regulations can impact your insurance premiums.
Coverage Levels
Is full coverage really full? Comprehensive and collision coverage generally result in higher premiums compared to basic liability insurance. Opting for higher deductibles can lower monthly premiums but will increase out-of-pocket costs in the event of a claim.
Nissan’s Safety Ratings and Repair Costs
Models with higher safety ratings, like those from the (IIHS) Insurance Institute for Highway Safety, often benefit from lower insurance premiums due to reduced risk of severe injury. On the other hand, Nissans with high repair and replacement costs can lead to higher premiums.
How to Save on Cheap Nissan Car Insurance
Cut your insurance costs with these best Nissan car insurance discounts. Discover the most common discounts available, including safe driver, bundling insurance, multi-car, and good student discounts.
Nissan Car Insurance Discounts by Provider| Insurance Company | Available Discounts |
|---|---|
| Bundling, Multi-Vehicle, Good Student, Safe Driver, Anti-Theft, New Car, Low Mileage |
| Bundling, Safe Driver, Good Student, Anti-Theft, New Car, Early Signing, Automatic Payments |
| Bundling, Safe Driver, Good Student, Loyalty, Auto Safety Equipment, Defensive Driving |
| Bundling, Safe Driver, Young Driver, Anti-Theft, Vehicle Storage, First Accident Forgiveness |
| Bundling, Multi-Vehicle, Good Student, Safe Driver, Anti-Theft, Alternative Fuel, Affinity |
| Bundling, Good Driver, Good Student, Military, Anti-Theft, New Car, Emergency Deployment |
| Bundling, Multi-Vehicle, Safe Driver, Good Student, New Car, Alternative Energy, Online Purchase |
| Bundling, Multi-Vehicle, Good Driver, Good Student, Snapshot, Anti-Theft, Continuous Insurance |
| Bundling, Multi-Vehicle, Good Driver, Good Student, Accident-Free, Safe Vehicle, Anti-Theft |
| Bundling, Multi-Vehicle, Safe Driver, Good Student, Hybrid/Electric Vehicle, New Car, Homeownership |
Geico has a discount for people in the military, and Progressive has a program that helps you save based on how you drive. By using these discounts, you can pay less for your insurance.
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Save money by comparing online car insurance quotes from various insurers to pinpoint the best rates for your Nissan model. Seek out discounts that can reduce your car insurance premiums.
Additionally, maintaining a clean driving record and choosing a higher deductible can further lower your costs. Regularly reviewing and updating your policy ensures you continue to get the most competitive rates for your Nissan.
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Why Nissan Owners Choose These Top Insurance Companies
The best car insurance companies for comprehensive coverage like State Farm, Travelers, and Erie are known for cheap Nissan car insurance.
Nissan owners prefer certain insurance companies for their blend of affordability, customer service, and comprehensive coverage. State Farm and Travelers are favored for their cheap rates, while Erie offers a unique rate-lock feature that stops rates from increasing at policy renewal.
By entering your ZIP code below, you can get instant car insurance quotes from the best cheap Nissan car insurance companies near you.
Frequently Asked Questions
Which Nissan is the cheapest to insure?
The Nissan Juke is one of the cheapest SUVs to insure. Find out how much Nissan JUKE car insurance costs.
Why is Nissan car insurance so high?
Nissans can be expensive to insure because certain models have poor safety test ratings, increasing the likelihood of insurance claims.
What’s the cheapest Nissan car insurance to go with?
Among nationally available providers, State Farm and Travelers are the cheapest Nissan car insurance companies.
What car brand has the lowest insurance cost?
Subaru vehicles are typically the least expensive to insure. Find cheap Subaru car insurance here.
Which Nissan insurance company insures the most cars?
State Farm is the largest auto insurance company in the U.S. followed by Geico.
At what age is Nissan car insurance cheapest?
Experienced drivers in their 40s and 50s are less likely to have accident claims, which means they cost less to insure. Compare average auto insurance rates by age and gender to learn more.
Why are Nissan Altimas so expensive to insure?
It costs insurers more to repair these cars when they’re involved in a collision, increasing Nissan car insurance rates.
Are older Nissans cheaper to insure?
Generally, car insurance is cheaper for an older car than a new car. But the rate you’ll pay to insure an older car is based on more than just the vehicle’s age, such as where it’s parked, your driving record, and the type of coverage you need.
Does the year of a Nissan matter for car insurance?
Yes, the age of the car affects insurance because insurers take specific vehicle details into account when determining car insurance prices. You should know how insurance companies calculate your car insurance rate to get reduced premiums.
What is the cheapest and most reliable car insurance company?
State Farm and Geico typically have the cheapest car insurance rates in most states. Enter your ZIP code below to compare car insurance quotes from companies in your home state.
Enter your ZIP code below to compare cheap insurance rates.
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Jeff Root
Licensed Insurance Agent
Jeff is a well-known speaker and expert in life 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...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about legal topics and insurance. Our goal is to be an objective, third-party resource for everything legal and insurance related. We update our site regularly, and all content is reviewed by experts.