Best Auto Insurance for Nissans in 2025

Nationwide, Liberty Mutual, and State Farm have the best auto insurance for Nissans. Rates start at $50 per month.

State Farm is a great pick for Nissan drivers thanks to its accident forgiveness program, which helps you avoid rate hikes after your first at-fault accident.

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

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.

Nissan Auto Insurance From Top Providers

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.

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.

Nissan Auto Insurance Monthly Rates by Coverage Level

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.

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.

Nissan Full Coverage Insurance Monthly Rates by Driving Record

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.

Learn More: How to Compare Auto Insurance Companies

Nissan Insurance Rates by Model

Insurance costs for Nissans can vary quite a bit depending on the model, and it all comes down to how each vehicle is built and used.

The Titan’s $350 full coverage rate is on the higher end since it’s a larger truck with pricier repairs, while the Maxima’s $300 reflects its performance features and higher theft risk.

Nissan Auto Insurance Monthly Rates by Model

On the other hand, the Versa’s $85 minimum coverage makes it one of the most affordable options, thanks to its smaller size and lower replacement costs.

These price differences show just how much your Nissan model can affect your monthly insurance bill—especially when you’re adding comprehensive auto insurance, which covers non-collision damage like theft or weather—and why it pays to shop around.

Best Auto Insurance Discounts for Nissans

If you drive a Nissan, stacking the right discounts can seriously cut down your monthly insurance bill. Top companies offer 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. 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.

Nissan Auto Insurance Discounts From Top Providers

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.

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.

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.

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.

Nissan Auto Insurance Coverage Options

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

Top 10 Nissan Auto Insurance Providers

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.

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.

#1 – Nationwide: Top Pick Overall

Pros

• Pay-as-You-Go Options: 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.
• Usage-Based Savings: Save up to 40% on Nissan auto insurance rates with SmartRide, a usage-based insurance solution that tracks speed, braking, and time of day.
• Claims Satisfaction: Nationwide has the highest claims and customer satisfaction ratings in the nation. Find out why 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.

#2 – Liberty Mutual: Best for New Vehicles

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.
• Bundle & Save: Liberty Mutual offers one of the biggest discounts of 25% to Nissan drivers who bundle home and auto insurance.

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.

#3 – State Farm: Best for Accident Forgiveness

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.
• 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.
• Claims Service: State Farm excels in Nissan auto insurance claims handling with an A++ financial rating and above-average customer satisfaction ratings.

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.

#4 – Farmers: Best for Customized Nissans

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.
• OEM Parts Coverage: Farmers offers affordable add-ons to Nissan drivers who prefer to repair their vehicles with original market parts instead of using a third-party supplier.

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.

#5 – The Hartford: Best for Senior Drivers

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.

#6 – Geico: Best for Low Rates

Pros

• Cheapest Nissan Insurance: Geico has the cheapest auto insurance for Nissans. Minimum coverage starts at $50 per month.
• 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.
• Big Bundling Discounts: Geico is one of the top Nissan auto insurance companies offering 25% discounts to drivers who bundle home and auto coverage.

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.

#7 – 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.

#8 – Allstate: Best for Safe Drivers

Pros

• Safe Driver Discount: The 25% discount applies to Nissan drivers who have been 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.

#9 – Travelers: Best for Hybrid Models

Pros

• Discount for EVs & Hybrids: 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.
• Affordable Full Coverage: Nissan drivers can get full coverage for $141 a month, only $20 more than Geico and hundreds less than competitors like Allstate and Farmers.

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.

#10 – Progressive: Best for Usage-Based 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 new drivers and entry-level models.
• Automatic Accident Forgiveness: Nissan drivers who switch to Progressive with a clean record will have small accident forgiveness added to their policy for free.

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.