Best Auto Insurance for Nissans in 2025 (Top 10 Companies for Your Vehicle!)
State Farm, Geico, and Progressive provide the best auto insurance for Nissans. State Farm has the best accident forgiveness, while Geico has the cheapest car insurance for Nissan models starting at $50 a month. Progressive stands out with usage-based discounts and specialized coverage for new Nissans.
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Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
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UPDATED: Apr 14, 2025
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We strive to help you make confident insurance and legal decisions. Finding trusted and reliable insurance quotes 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 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: Apr 14, 2025
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 should be easy. This doesn’t influence our content. Our opinions are our own.
On This Page
18,154 reviewsCompany Facts
Full Coverage for Nissans
A.M. Best Rating
Complaint Level
Pros & Cons
18,154 reviews
19,116 reviewsCompany Facts
Full Coverage for Nissans
A.M. Best Rating
Complaint Level
Pros & Cons
19,116 reviews
13,283 reviewsCompany Facts
Full Coverage for Nissans
A.M. Best
Complaint Level
Pros & Cons
13,283 reviewsThe best auto insurance for Nissans is with State Farm, Geico, and Progressive. Rates start at $50 per month. See how the best car insurance companies stand out for Nissan owners in different ways.
Our Top 10 Company Picks: Best Auto Insurance for Nissans| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 17% | A++ | Accident Forgiveness | State Farm |
 | #2 | 25% | A++ | Low Rates | Geico |
 | #3 | 10% | A+ | Snapshot Program | Progressive |
 | #4 | 25% | A+ | Safe Drivers | Allstate |
 | #5 | 20% | A | Custom Parts | Farmers |
 | #6 | 20% | A+ | Low Mileage | Nationwide |
 | #7 | 25% | A | Car Replacement | Liberty Mutual |
 | #8 | 5% | A+ | AARP Benefits | The Hartford |
 | #9 | 13% | A++ | Hybrid Models | Travelers |
 | #10 | 25% | A | Loyalty Rewards | American Family |
State Farm ranks highest for offering accident forgiveness and up to 17% off when bundling auto and homeowners insurance. Geico gives Nissan drivers up to 25% off for bundling and insuring multiple vehicles.
Progressive offers specialized coverage for adaptive cruise control and blind-spot detection, plus its Name Your Price tool customizes Nissan auto insurance by budget.
- State Farm has the best accident forgiveness for Nissan owners
- Geico offers up to 25% off for Nissan drivers with multiple vehicles
- Progressive covers Nissans with blind-spot detection and custom pricing tools
It can be intimidating to shop for insurance, but you don’t have to do it alone. Enter your ZIP code to begin using our free comparison tool.
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Enter your zip code below to view companies that have cheap insurance rates.
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#1 – State Farm: Top Overall Pick
Pros
- Accident Forgiveness: Prevents Nissan auto insurance premium hikes after the first at-fault accident, available in most states after a three-year clean record.
- 17% Bundling Discount: Nissan drivers bundling home or renters insurance save an average of 17%.
- Emergency Road Service: This covers towing, fuel delivery, and lockouts for Nissans at less than $10 a month as an optional add-on. Learn more in our State Farm auto insurance review.
Cons
- Teen Driver Premium Increases: Nissan insurance costs for teen drivers are higher than average.
- No New Car Replacement: Unlike other companies like Liberty Mutual, State Farm does not offer a new vehicle replacement option for drivers who total a new Nissan.
#2 – Geico: Best for Low Rates
Pros
- Cheapest Nissan Insurance: Geico has the cheapest auto insurance for Nissans. Minimum coverage starts at $50 per month.
- 25% Multi-Vehicle Discount: Nissan drivers with two or more cars save up to 25% of total premiums.
- Mechanical Breakdown Insurance (MBI): For less than $10 a month, this add-on covers new Nissans (under 15 months and 15,000 miles) beyond the factory warranty.
Cons
- Mixed Reviews: Geico car insurance for Nissans receives mixed customer service reviews in some states, especially regarding claims handling and speed.
- Limited Local Agent Access: Nissan owners needing in-person service may struggle due to Geico’s mostly online structure. Learn everything you need to know about Geico before choosing a policy.
#3 – Progressive: Best for Snapshot Program
Pros
- Snapshot Program: Offers up to 30% off for safe drivers who sign up for usage-based auto insurance for Nissans, tracked via mobile or plug-in device.
- Name Your Price Tool: Allows Nissan owners to enter their monthly budget and receive policies built to match — useful for entry-level models.
- 10% Bundling Discount: Nissan vehicles added to existing Progressive home or renters insurance policies receive a 10% reduction.
Cons
- Snapshot Penalties: Drivers logging frequent hard stops or rapid acceleration may see Nissan insurance rates increase. Read everything you need to know about Progressive insurance to learn more.
- Fewer Repair Shop Choices: Progressive’s limited approved body shop network may delay Nissan repairs, especially for specialty models.
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#4 – Allstate: Best for Safe Drivers
Pros
- 25% Safe Driver Discount: This applies to Nissan drivers who are accident- and violation-free for at least three years.
- Drivewise Telematics: Safe drivers can save up to 40% on Nissan car insurance rates by utilizing the app and avoiding speeding, hard braking, and driving at night.
- Deductible Rewards: Nissan owners are rewarded with a $100 reduction in their deductible each accident-free year, up to a maximum of $500.
Cons
- Higher Base Rates: Initial monthly Nissan insurance rates average $136, higher than Geico or Progressive, even before discounts. Get more quotes in our Allstate Insurance review.
- Privacy Concerns: Drivewise is constantly tracking and collecting detailed trip data, which some Nissan drivers find invasive.
#5 – Farmers: Best for Custom Parts
Pros
- Coverage for Customized Equipment: This protects Nissan aftermarket parts, such as audio systems, spoiler kits, and LED lights, until a specified limit is reached.
- Guaranteed Value Coverage: Pays out an agreed-upon amount on high-trim Nissan models if totaled in a covered claim. Our guide to everything you need to know about Farmers Insurance explains more.
- 20% Discount for Bundling: People who combine Nissan auto insurance with life or homeowners policies can lower their monthly payment by 20%.
Cons
- Outdated App Interface: Nissan policyholders report slow claim updates and limited digital features compared to competitors.
- Slow Response During Disasters: Nissan drivers in high-risk weather zones may face longer resolution times post-storm than with other companies.
#6 – Nationwide: Best for Low Mileage
Pros
- Nationwide SmartMiles: Nissan drivers who are on the road less than 11,000 miles per year can save on their car insurance rates. Low-mileage drivers also save 20% on standard policies.
- SmartRide Program: Save up to 40% on Nissan auto insurance rates with Nationwide SmartRide usage-based insurance solution that tracks speed, braking, and time of day.
- 20% Bundling Discount: When Nissan auto insurance is paired with property insurance, total costs drop significantly. See a list of discounts in our Nationwide Insurance review.
Cons
- Enrollment Timing Critical: Nissans must be enrolled in SmartRide immediately after policy activation to start earning savings.
- Higher Upfront Rates: Before discounts apply, Nissan car insurance rates for certain models will be higher than average in some states.
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#7 – Liberty Mutual: Best for New Car Replacement
Pros
- New Car Replacement: Replaces a totaled Nissan less than one year old with a brand-new one of the same make and model.
- Better Car Replacement: If your Nissan is older than a year, Liberty will replace it with a model one year newer and with 15,000 fewer miles.
- 25% Bundling Discount: Nissan owners bundling with renters or home insurance can save up to 25%.
Cons
- Program Cutoff: Nissan models older than two years are not eligible for new or better car replacement programs.
- Higher Premiums for New Drivers: Nissan owners under 25 often face monthly rates over $180 despite available discounts. For details, read our Liberty Mutual insurance review.
#8 – The Hartford: Best for AARP Benefits
Pros
- AARP Auto Program: AARP members aged 50+ get guaranteed lifetime policy renewals and exclusive discounts on Nissan car insurance.
- RecoverCare Coverage: Pays for home help (cleaning, cooking, etc.) if a Nissan driver is injured in a covered accident.
- Disappearing Deductible: Reduces Nissan auto insurance deductibles for every claim-free year through the Advantage Plus policy. Discover the best tips to pay less for car insurance and start saving today.
Cons
- AARP Membership Required: Non-members and young drivers can’t access key Nissan insurance policy benefits.
- Higher Base Rates: The Hartford is not as affordable as the top three Nissan auto insurance companies.
#9 – Travelers: Best for Hybrid Models
Pros
- Discount for Hybrid: Nissan hybrid models, such as the Leaf and Altima Hybrid, can get an eco-friendly insurance discount of up to 10%.
- IntelliDrive UBI: If you are a Nissan driver and you drive during the day, don’t accelerate suddenly, and brake gently, you can get a discount of up to 30% with this usage-based insurance program.
- 13% Bundling Discount: Moderate car insurance discount for Nissan drivers bundling with home, renters, or umbrella insurance.
Cons
- Risk of Rate Hikes: IntelliDrive will raise Nissan car insurance rates for drivers who brake suddenly or drive at night.
- Limited Rural Support: Fewer licensed agents may be available for Nissan drivers outside major metro areas. Explore your options in our Travelers auto insurance review.
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#10 – American Family: Best for Loyalty Rewards
Pros
- Loyalty Discount: Drivers who renew their Nissan auto insurance coverage with American Family earn a discount that increases every year they renew.
- Generational Discount: Teens looking for cheap Nissan car insurance can save up to 10% on coverage if their parents are existing policyholders.
- KnowYourDrive Telematics: Drivers with safe behavior tracked via the usage-based AmFam app can save up to 20% on Nissan car insurance rates.
Cons
- Availability Limited: Nissan drivers who do not live in the 19 states that it covers cannot purchase American Family auto insurance.
- Clunky Quote System: Real-time quote updates for Nissan auto insurance may lag or require agent follow-up. Discover simple hacks to save more money on car insurance and lower your monthly bill fast.
Rates From The Best Nissan Auto Insurance Companies
If you drive a Nissan, what you pay for insurance each month can vary a lot depending on your provider and how much coverage you want. The table below shows exactly what each company charges for minimum and full coverage.
Nissan Auto Insurance Monthly Rates by Provider & Coverage Level| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $78 | $276 |
| $63 | $168 |
| $89 | $274 |
| $50 | $121 |
| $96 | $248 |
| $64 | $168 |
| $62 | $199 |
| $76 | $237 |
| $62 | $224 |
| $53 | $141 |
Geico Insurance has the most competitive Nissan car insurance rates, with $50 per month for minimum and $121 per month for full coverage. It’s the best option for Nissan Sentra or Altima owners seeking low-cost protection.
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Travelers, at $53 monthly for minimum and $141 a month for full coverage, appeal to Nissan Leaf drivers eligible for its hybrid discount and IntelliDrive program, which can shave off up to 30%.
In contrast, Allstate and Farmers charge the highest full coverage monthly rates ($276 and $274, respectively), making them less appealing unless paired with safe driving or accident-free rewards.
Read More: How to Buy Auto Insurance
Nissan Insurance Rates by Driver
How much you’ll pay to insure a Nissan really depends on your age, driving record, and even your gender. If you’re looking for the best tips to pay less for car insurance, understanding how age and violations affect your rate is a great place to start. The table below breaks it all down so you can see what different drivers pay each month based on real-world scenarios.
Nissan Auto Insurance Monthly Rates by Age & Driving Record| Age & Gender | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| Age: 17 Female | $756 | $1,109 | $1,296 | $1,620 |
| Age: 17 Male | $831 | $1,220 | $1,428 | $1,785 |
| Age: 25 Female | $318 | $466 | $543 | $678 |
| Age: 25 Male | $345 | $506 | $590 | $737 |
| Age: 35 Female | $248 | $364 | $425 | $531 |
| Age: 35 Male | $252 | $370 | $432 | $540 |
| Age: 60 Female | $210 | $308 | $360 | $450 |
| Age: 60 Male | $210 | $308 | $360 | $450 |
Teen Nissan drivers pay the highest monthly premiums, with 17-year-old males paying $831 per month with a clean record and a staggering $1,785 per month after a DUI. The Nissan 350Z insurance cost for a 17-year-old is higher since it’s a sporty car and is seen as a bigger risk.
Female drivers at age 25 see a noticeable jump from $318 per month with a clean record to $543 per month after one accident, while their male counterparts rise even more sharply from $345 to $590 per month.
For 35-year-old Nissan owners, one ticket bumps the premium from $252 to $370 monthly, showing how even a minor infraction can impact costs. Meanwhile, 60-year-old drivers enjoy the lowest rates at $210 per month, proving experience and age reward long-term Nissan drivers with real savings.
Nissan Insurance Rates by Model
Nissan auto insurance rates vary significantly by model year. The table below shows how premiums fall as your Nissan ages, allowing drivers to understand how age affects rates month after month.
Nissan Auto Insurance Monthly Rates by Model Year| Year | Monthly Rates |
|---|---|
| 2024 | $197 |
| 2023 | $192 |
| 2022 | $188 |
| 2021 | $183 |
| 2020 | $179 |
| 2019 | $175 |
| 2018 | $171 |
A brand-new 2024 Nissan Altima or Rogue costs around $197 per month to insure, mostly because of the higher repair costs and newer tech that raise claim values. Go just a few years back, and a 2020 model drops to $179 per month, while a 2018 Nissan brings it down to just $171 per month.
The sharpest drop occurs between 2024 and 2021, saving drivers $14 per month just by choosing a three-year-old model. These rate differences are especially important for Nissan buyers who want newer safety features but are also hunting for budget-friendly coverage.
Learn More: How to Compare Auto Insurance Companies
Top Providers Offer Stacked Discounts for Hybrid Nissans
If you drive a Nissan, stacking the right discounts can seriously cut down your monthly insurance bill. The table below lays out exactly what top companies offer for things like driving habits, bundling, military status, and owning a hybrid or electric model. These are the car insurance discounts you can’t miss if you want to save big.
Nissan Auto Insurance Discounts From Top Providers| Insurance Company | UBI | Bundling | Pay-in-Full | Military | Green Vehicle |
|---|---|---|---|---|---|
| 40% | 20% | 15% | 15% | 10% |
| 30% | 25% | 10% | 25% | 7% |
| 30% | 25% | 20% | 12% | 5% |
| 30% | 20% | 10% | 20% | 8% |
| 30% | 25% | 12% | 10% | 8% |
| 30% | 17% | 15% | 25% | 5% |
| 30% | 13% | 15% | 10% | 10% |
| 25% | 25% | 10% | 15% | 5% |
| 25% | 10% | 15% | 15% | 5% |
| 20% | 5% | 10% | 15% | 5% |
State Farm offers one of the biggest discounts to military drivers and those who pay their Nissan auto insurance premiums in full instead of monthly installments. And while it doesn’t have the biggest usage-based discount, Nissan drivers who sign up for Drive Safe & Save can a competitive 30% on rates.
Allstate matches the 25% military discount and includes Drivewise UBI savings up to 30%, making it perfect for safe-driving families insuring multiple Nissan vehicles.
Pay-in-full discounts don’t just save money—they also eliminate monthly billing fees that quietly raise your total premium.
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Nissan Leaf and Altima Hybrid owners can benefit most from Travelers’ and Liberty Mutual’s 10% green vehicle discount—the highest available across the board. By taking time to compare auto insurance companies and layering these targeted discounts, Nissan drivers can easily reduce premiums by over $100 per month, depending on their habits and model.
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Smart Coverage Choices For Nissan Auto Insurance
To legally drive in the United States, you must have liability insurance that covers medical expenses and property damage to other drivers.
Nissan Auto Insurance Coverage Options| Coverage Type | Description |
|---|---|
| Liability | Covers injury & damage to others. Required in most states |
| Collision | Pays for your car’s damage after a crash |
| Comprehensive | Covers theft, fire, vandalism, and disasters |
| Personal Injury Protection | Covers medical bills & lost wages (no-fault states) |
| Medical Payments | Pays medical expenses regardless of fault |
| Uninsured Motorist | Protects against uninsured/underinsured drivers |
| Gap | Covers loan balance if your car is totaled |
| Rental Reimbursement | Pays for a rental while your car is repaired |
| Roadside Assistance | Covers towing, jump-starts, and flat tires |
| Rideshare | Insurance for Uber & Lyft drivers |
Collision coverage is essential for models like the Rogue or Altima, covering repairs after a crash. Comprehensive coverage protects against theft, vandalism, fire, and severe weather — especially important for tech-heavy or leased Nissans. PIP and MedPay cover medical bills regardless of fault, with PIP also covering lost wages in no-fault states.
UM/UIM protects you if you’re hit by someone with little or no insurance. For newer models, gap insurance covers the difference if your car is totaled and you owe more than its value. Affordable add-ons like rental reimbursement and roadside assistance offer real help during breakdowns, and rideshare coverage is a must if you drive for Uber or Lyft.
Learn More: What to Do When You’re Denied Insurance Coverage
How to Save More on Nissan Auto Insurance
State Farm, Geico, and Progressive stand out as the best auto insurance for Nissans. State Farm offers a 17% bundling discount, Geico has the lowest full coverage rate at $121 per month, and the Progressive Name-Your-Price tool helps drivers on a budget find affordable Nissan car insurance.
Through bundling insurance and participating in UBI programs like Progressive Snapshot and State Farm Drive Safe & Save, Nissan drivers can reduce expenses. Read our guide to usage-based auto insurance to learn how to qualify and see how much you can save.
Drive Safe & Save® is triggered with movement of the beacon recording a trip. The app is designed to run in the background, so you don’t have to open the app for trips to record. Specific phone settings are required for the app and location to allow for this functionality. -CB https://t.co/YfhiqoZYaW
— State Farm (@StateFarm) August 25, 2024
To get the best rates near you, always compare multiple Nissan auto insurance quotes online — it’s the easiest way to match coverage with your driving profile and budget. Are you ready to compare Nissan car insurance companies near you? Enter your ZIP code for free quotes.
Frequently Asked Questions
What is the cheapest Nissan auto insurance?
Geico currently offers the cheapest car insurance for Nissan drivers, with minimum coverage starting at $50 per month, especially for models like the Versa and Sentra.
Are Nissans expensive to insure?
Most Nissans are moderately priced to insure, but costs rise for turbocharged or performance models like the 370Z or Maxima, which have higher accident and claim rates. Enter your ZIP code to start comparing Nissan insurance quotes for free.
Why are Nissan insurance rates so high?
Nissan insurance rates spike for models with high theft rankings (like the Altima), sports trims, or if driven by teens — where monthly premiums can exceed $800. These are the situations where people get auto insurance right by choosing safer models, applying key discounts, or switching providers to avoid overpaying.
Who offers the best Nissan auto insurance coverage?
State Farm stands out with a 17% bundling discount, Geico offers the lowest full coverage at $121 per month, and Progressive adds up to 25% UBI savings via Snapshot.
Are Nissans expensive to upkeep?
Most Nissans cost around $40 per month to maintain, and their affordable parts and strong reliability make them easier on the wallet long-term.
How can I lower Progressive auto insurance for Nissans?
Enroll in Snapshot to earn up to 30% off, use the Name Your Price tool, and bundle policies for an additional 10% monthly discount (Read More: State Farm vs. Progressive Auto Insurance).
Is it possible to get a better deal on your Nissan auto insurance?
Compare rates every 6–12 months, increase deductibles, and qualify for discounts like safe driver, pay-in-full, or multi-policy savings up to $40 per month.
Can you negotiate Nissan auto insurance prices?
While you can’t haggle the price, switching insurers, raising your deductible, or using telematics programs can significantly lower your monthly cost. Use our free comparison tool to find cheap Nissan car insurance near you.
How long should you keep gap insurance for Nissan?
Avoid wasting money on your car and only keep Nissan gap insurance until your loan balance is lower than your car’s value, typically within the first 24–36 months of ownership.
Why is a Nissan Maxima so expensive to insure?
The Maxima’s V6 engine, higher trim level, and repair costs exceeding $500 per incident raise monthly premiums, especially for drivers under 25.
How do you get a discount on Nissan auto insurance?
Use Drivewise, SmartRide, or KnowYourDrive for up to 40% savings, and bundle auto with home or renters to save $20–$30 per month.
How can I get a lower rate on my Nissan auto insurance?
Struggling with high premiums? Check out what to do if you can’t afford your auto insurance. Choose a higher deductible, maintain a clean record, and enroll in usage-based programs to cut monthly rates by up to 40% over time.
Are Nissan Jukes expensive to insure?
Yes, due to the turbocharged engine and unique parts, Nissan Juke insurance can be $15–$25 higher per month than the average compact SUV.
Why is Nissan Altima insurance so high?
Altima insurance rates often exceed $140 per month due to high theft rates (especially 2013–2015 models) and frequent claims among younger drivers.
What is the cheapest Nissan model to insure?
The Nissan Versa is the cheapest to insure, with full coverage averaging under $100 monthly, thanks to its basic design and top-tier safety scores (Learn More: Everything You Need to Know About Luxury And Exotic Car Insurance).
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Ty Stewart
Licensed Insurance Agent
Ty Stewart is the founder and CEO of SimpleLifeInsure.com. He started researching and studying about life insurance when he got his first policy for his own family. He has been featured as a life insurance expert speaker at agent conventions and in top publications. As an independent licensed life insurance agent, he has helped clients nationwide to secure affordable coverage while making the...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about 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.