Ford Transit vs Nissan NV200 Insurance Cost

The Nissan NV200 is cheaper to insure by about $65 a year for full coverage by our estimate ($1,435 vs. $1,370), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

Coverage	Ford Transit	Nissan NV200	Difference
State minimum	$640	$615	+$25
Standard (100/300/100)	$925	$890	+$35
Full coverage	$1,435	$1,370	+$65

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Transit minus NV200.

Why one costs more to insure

Factor	Ford Transit	Nissan NV200
Segment	Van	Van
Powertrains	Gasoline, Flex-fuel	Gasoline
HLDI collision (100 = avg)	—	—
HLDI comprehensive	—	—
HLDI property damage liability	—	—
HLDI bodily injury liability	—	—
NHTSA overall rating	2★	—
NICB most-stolen rank	Not in top 10	Not in top 10
Recalls (latest 3 model years)	22	1

Transit vs NV200 insurance by state

State	Transit	NV200	Difference
Alabama	$1,225	$1,165	+$60
Alaska	$1,245	$1,190	+$55
Arizona	$1,510	$1,440	+$70
Arkansas	$1,225	$1,165	+$60
California	$1,380	$1,320	+$60
Colorado	$1,610	$1,535	+$75
Connecticut	$1,550	$1,480	+$70
Delaware	$1,650	$1,575	+$75
District of Columbia	$1,790	$1,710	+$80
Florida	$2,135	$2,040	+$95
Georgia	$1,820	$1,740	+$80
Hawaii	$970	$925	+$45
Idaho	$965	$920	+$45
Illinois	$1,230	$1,170	+$60
Indiana	$1,005	$960	+$45
Iowa	$935	$890	+$45
Kansas	$1,110	$1,055	+$55
Kentucky	$1,210	$1,155	+$55
Louisiana	$1,995	$1,905	+$90
Maine	$895	$855	+$40
Maryland	$1,625	$1,550	+$75
Massachusetts	$1,405	$1,340	+$65
Michigan	$1,545	$1,475	+$70
Minnesota	$1,170	$1,115	+$55
Mississippi	$1,345	$1,285	+$60
Missouri	$1,280	$1,220	+$60
Montana	$1,105	$1,050	+$55
Nebraska	$1,110	$1,055	+$55
Nevada	$1,715	$1,640	+$75
New Hampshire	$1,005	$960	+$45
New Jersey	$1,775	$1,700	+$75
New Mexico	$1,275	$1,215	+$60
New York	$1,965	$1,880	+$85
North Carolina	$1,030	$985	+$45
North Dakota	$870	$825	+$45
Ohio	$1,010	$960	+$50
Oklahoma	$1,255	$1,195	+$60
Oregon	$1,320	$1,260	+$60
Pennsylvania	$1,225	$1,165	+$60
Rhode Island	$1,765	$1,685	+$80
South Carolina	$1,565	$1,495	+$70
South Dakota	$1,030	$980	+$50
Tennessee	$1,165	$1,110	+$55
Texas	$1,670	$1,595	+$75
Utah	$1,330	$1,270	+$60
Vermont	$895	$855	+$40
Virginia	$1,230	$1,175	+$55
Washington	$1,270	$1,215	+$55
West Virginia	$1,165	$1,110	+$55
Wisconsin	$960	$915	+$45
Wyoming	$1,055	$1,005	+$50

By driver profile (full coverage)

Driver	Transit	NV200
Teen driver (18, own policy)	$3,940	$3,765
Young adult (22)	$2,295	$2,190
Adult in their 30s	$1,435	$1,370
Adult in their 50s	$1,320	$1,260
Senior (72)	$1,605	$1,530
30s, one at-fault accident	$2,080	$1,985
30s, DUI on record	$2,650	$2,530

More comparisons

Frequently asked questions

Is the Ford Transit or the Nissan NV200 cheaper to insure?

By our estimate the Nissan NV200 is cheaper, by about $65 a year for full coverage ($1,435 vs. $1,370) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Ford Transit and Nissan NV200?

Mostly because of insurance-loss history: HLDI collision indices of n/a vs. n/a and comprehensive indices of n/a vs. n/a (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page