Best Car Insurance Company for Nissans (2023)

If you own a Nissan, you need car insurance. Some people may find it difficult or intimidating to shop for car insurance, but Nissan car coverage is often simple and easy to find. 

As a Nissan owner, you can choose between a liability-only car insurance policy that meets your state’s coverage requirements or a full coverage policy that provides added protection when you’re on the road. Full coverage car insurance costs more than a minimum option, but you’ll be happy you have it if you’re ever at fault in an accident. 

Nissan insurance rates are often around $1,740 annually or $145 per month. Still, the model and year you drive will impact your monthly or annual rates. In addition, factors like your age, gender, location, credit score, and driving history may also affect how much you’ll pay for Nissan vehicle insurance. 

When you shop for auto insurance for Nissan vehicles, you must compare car insurance quotes from several companies. Comparing quotes will help you find the best car insurance company for Nissans in your area that offers the coverage you want at the best price. 

What type of car insurance do I need for my Nissan? 

Each state in the U.S., aside from New Hampshire and Virginia, requires drivers to carry a minimum level of auto insurance coverage. Therefore, as you search for Nissan insurance providers, all the companies you consider must sell at least liability insurance that meets your state’s requirements. 

The types of liability insurance required in most states include:

• Property damage liability: Covers you if you cause an accident and damage someone’s vehicle or other personal property. 
• Bodily injury liability: Covers you if you cause an accident and one or more people are injured. Find the best bodily injury liability car insurance companies.

The amount of property damage and bodily injury liability coverage you need on your Nissan depends on where you live.

In addition, some states require more coverage, including: 

• Personal injury protection (PIP): PIP coverage helps with medical bills, lost wages, and funeral costs associated with a covered accident. Find the best personal injury protection car insurance companies. 
• Medical payments (MedPay): MedPay helps with medical bills like visits to the doctor and hospital stays. Find the best medical payments car insurance companies. 
• Uninsured/underinsured motorist coverage: If another driver causes an accident but does not carry proper insurance, uninsured/underinsured motorist coverage allows your insurance company to pay for the damage someone else caused to your vehicle. Find the best uninsured motorist coverage car insurance companies.

Even if your state does not require PIP, MedPay, or uninsured/underinsured motorist coverage, you should consider adding these coverages to your car insurance policy if it’s available.

Should I get full coverage for my Nissan?

Nissan owners can purchase full coverage for their vehicles. Doing so may equip you with the coverage you need for peace of mind behind the wheel. If you don’t buy full coverage car insurance, you’ll have to pay out of pocket if you cause an accident and your vehicle sustains damage.

A full coverage policy for a Nissan includes the following types of car insurance coverage: 

• Collision insurance: Collision insurance pays for damage to your vehicle if you cause an accident. Collision will cover your Nissan up to its actual cash value (ACV). Find the best collision car insurance companies.
• Comprehensive insurance: Comprehensive car insurance pays if theft, vandalism, wild animals, or inclement weather damage your Nissan. Find the best comprehensive coverage car insurance companies.

With collision and comprehensive coverage added to your policy, you’ll be covered if you cause an accident or if someone or something damages your car. If you drive a new or expensive Nissan or have a loan or lease on your vehicle, you may need a full coverage policy.

Can I get add-on coverage for my Nissan?

The best car insurance companies for Nissan offer add-on options to further customize your policy. With add-on insurance, you can choose from unique coverage options based on your unique needs and lifestyle.

Some of the most common add-on coverage options for a Nissan include:

• Emergency roadside assistance: Auto insurance with roadside assistance helps if you have a flat tire, need lockout services, run out of fuel, or need a tow. 
• Gap insurance: If your new Nissan is damaged, and you still have a loan or lease on the vehicle, Gap insurance pays the difference between what you owe on the vehicle and its actual cash value.
• New car replacement: If your new Nissan is totaled, new car replacement pays for the vehicle to be replaced with the same make and model. 
• Rideshare coverage: Drivers for companies like Uber and Lyft often need additional rideshare or food delivery car insurance to ensure they’re protected. 
• Rental car reimbursement: Your insurance company will pay you back for any money spent on rental cars while your vehicle is in the shop after a covered accident.

If you have a brand-new Nissan, gap insurance or new car replacement will help cover out-of-pocket costs after a claim.

In addition, anyone who works for a rideshare service should purchase additional coverage, so they are not liable for an accident during work hours. You can speak with any company that offers the add-on coverages you need to see how much they will cost and learn more about your options. Find out how much car insurance you need.

How much is Nissan car insurance?

The cost of coverage for your Nissan will depend on the model you drive. Some Nissan models are less expensive to insure than others.

It’s a good idea to learn more about your specific Nissan model to know how much you’ll pay for car insurance. Use our table below to compare Nissan car insurance quotes by vehicle:

Nissan Altima car insurance quotes average around  $1,700 annually or $145 per month, while Nissan Sentra insurance costs $1,668 annually or $139 per month. Nissan Murano insurance is even more affordable at $1,644 annually or $137 per month.

The cheapest Nissans to insure are the Pathfinder and Armada. Monthly Armada and Nissan Pathfinder insurance rates are as low as $131. 

As you shop for affordable coverage, remember to compare Nissan auto insurance quotes from several companies. You may get rates from one company that are much higher than another based on discounts, coverage options, and more. Start comparing quotes now in our expert guide to finding the best car insurance for a Nissan Armada.

Can I get discounts on Nissan car insurance?

Aside from comparing quotes, you can save money on car insurance by asking for Nissan insurance discounts. 

The most common car insurance discounts that Nissan owners qualify for include the following:

• Safety features
• Defensive driver
• Good student
• Student away at school
• Paid-in-full
• Affiliation
• Loyalty
• Multi-car
• Multi-policy

If you believe you’re eligible for discounts, speak with a representative from any company you’re considering to determine how much you could save on your car insurance. Many companies offer car insurance discounts, and you may qualify for one or more, which could help you save a lot on your car insurance rates.

How can I choose the best Nissan car insurance company?

You can’t stop at coverage and price to choose the best company for your Nissan car insurance. You must also assess each company’s financial strength, customer service, and claims handling.

Each insurance company’s financial strength is important when paying out on claims. For example, if you buy a cheap car insurance policy with a company that doesn’t have good financial strength, you may find that the company cannot pay for repairs to your vehicle when you’re in an accident. 

In addition to a company’s financial strength, research each company’s customer service ratings and reviews. If a company has a great customer service department, you will not have to worry if you’re in an accident, need assistance, or have questions. On the other hand, if the customer service is not helpful, you may wish you had a different company altogether.

Lastly, pay attention to how well each company handles claims from its policyholders. Read our expert reviews on the best insurance companies to learn how customers from different insurers feel about their experience after filing a claim. Doing so could help you learn which companies to pursue and which to avoid. 

The Best Nissan Car Insurance: The Bottom Line

If you own a Nissan, you need car insurance for your vehicle. Fortunately, finding the best car insurance company for your Nissan doesn’t have to be difficult. You can compare coverage types and policies to determine what insurance you need on your Nissan and how much you will pay for coverage.

Some Nissan owners may want a simple, minimum coverage policy for their vehicles. A minimum liability-only policy can help you drive legally in your state, and your monthly rates will be less expensive. Still, many drivers may decide they need full coverage on their Nissans for added protection.

You can also consider add-on coverage options to customize your Nissan auto insurance policy. Once you know what kind of coverage you want, find and compare quotes from different companies in your area. Comparing quotes can help you save money on your car insurance and avoid paying too much for coverage.

Speak with a representative from any company you’re considering to learn whether you qualify for discounts on Nissan auto insurance coverage. Discounts could help you save up to 25% on your insurance rates.

Don’t forget to compare quotes from the best car insurance companies for Nissan at least once a year, even if you’re happy with your coverage. You never know if another company will offer better coverage at a more affordable rate.