Nissan Insurance Cost
Across 11 current Nissan models, full coverage averages about $1,593 a year by our estimate — 0% versus the average vehicle ($1,590).
Nissan insurance profile
Nissan’s lineup is made up mostly of 3 small suvs, 2 midsize suvs, and 2 compact cars. HLDI collision losses for its models average 107 (100 = all-vehicle average).
Every Nissan model ranked by insurance cost
| Model | Segment | Model years | HLDI collision | Est. full / yr | vs. avg car |
|---|---|---|---|---|---|
| Armada | Large SUV | 2005–2026 | 89 | $1,420 | −11% |
| Rogue | Small SUV | 2008–2026 | 82 | $1,430 | −10% |
| Pathfinder | Midsize SUV | 2005–2026 | 87 | $1,455 | −8% |
| Murano | Midsize SUV | 2005–2027 | 90 | $1,465 | −8% |
| Leaf | Compact car | 2011–2026 | 96 | $1,465 | −8% |
| Frontier | Pickup truck | 2005–2027 | 92 | $1,480 | −7% |
| Ariya | Small SUV | 2023–2026 | 118 | $1,500 | −6% |
| Kicks | Small SUV | 2018–2027 | 100 | $1,600 | +1% |
| Z | Sports car | 2023–2027 | 156 | $1,670 | +5% |
| Altima | Midsize car | 2005–2026 | 135 | $1,995 | +25% |
| Sentra | Compact car | 2005–2027 | 132 | $2,045 | +29% |
Older and discontinued Nissan models
What makes Nissan insurance cost more or less
- EV batteries: 2 electric models — battery packs and high-voltage components are costly to repair or replace after a crash.
- Theft: Altima (#10) on the NICB national most-stolen list push comprehensive premiums up.
- Claims history: HLDI collision indices across 11 models range from 82 to 156, so the model you pick matters as much as the brand.
- Segment mix: 3 small suv, 2 midsize suv, 2 compact car, 1 sports car, 1 pickup truck, 1 midsize car, 1 large suv.
Average Nissan insurance cost by state
Average full-coverage estimate across current Nissan models, cheapest state first.
| State | Avg. full coverage | vs. national |
|---|---|---|
| North Dakota | $1,023 | −36% |
| Maine | $1,025 | −36% |
| Vermont | $1,048 | −34% |
| Iowa | $1,083 | −32% |
| Idaho | $1,093 | −31% |
| Wisconsin | $1,095 | −31% |
| Hawaii | $1,117 | −30% |
| Indiana | $1,144 | −28% |
| New Hampshire | $1,150 | −28% |
| Ohio | $1,150 | −28% |
| North Carolina | $1,204 | −24% |
| South Dakota | $1,209 | −24% |
| Wyoming | $1,239 | −22% |
| Montana | $1,272 | −20% |
| Kansas | $1,275 | −20% |
| Nebraska | $1,278 | −20% |
| Minnesota | $1,334 | −16% |
| Tennessee | $1,338 | −16% |
| West Virginia | $1,338 | −16% |
| Kentucky | $1,351 | −15% |
| Virginia | $1,384 | −13% |
| Illinois | $1,396 | −12% |
| Alabama | $1,402 | −12% |
| Washington | $1,404 | −12% |
| Pennsylvania | $1,405 | −12% |
| Alaska | $1,414 | −11% |
| Arkansas | $1,417 | −11% |
| New Mexico | $1,441 | −10% |
| Oklahoma | $1,442 | −9% |
| Oregon | $1,445 | −9% |
| Missouri | $1,454 | −9% |
| Utah | $1,462 | −8% |
| Mississippi | $1,533 | −4% |
| Massachusetts | $1,589 | 0% |
| California | $1,591 | 0% |
| Arizona | $1,683 | +6% |
| Connecticut | $1,715 | +8% |
| South Carolina | $1,715 | +8% |
| Michigan | $1,757 | +10% |
| Delaware | $1,796 | +13% |
| Maryland | $1,809 | +14% |
| Colorado | $1,811 | +14% |
| Nevada | $1,850 | +16% |
| Texas | $1,899 | +19% |
| New Jersey | $1,942 | +22% |
| Rhode Island | $1,948 | +22% |
| Georgia | $1,990 | +25% |
| District of Columbia | $2,035 | +28% |
| New York | $2,160 | +36% |
| Louisiana | $2,222 | +39% |
| Florida | $2,295 | +44% |
Frequently asked questions
How much does it cost to insure a Nissan?
Across 11 current Nissan models, our full-coverage estimate averages $1,593 a year for a driver in their 30s with a clean record, about the same as the average vehicle ($1,590).
What is the cheapest Nissan to insure?
The Nissan Armada has the lowest estimate at about $1,420 a year for full coverage; the Nissan Sentra is the most expensive at about $2,045.
Are Nissan repairs expensive for insurers?
HLDI collision-loss data for 11 Nissan models averages 107 (100 = average of all vehicles), which is worse than average. Collision losses combine how often claims happen and how much repairs cost.
Are Nissan vehicles often stolen?
the Nissan Altima (#10) appear on the NICB national most-stolen list, which raises comprehensive premiums.
Where is it cheapest to insure a Nissan?
By our estimates, North Dakota is the cheapest state (about $1,023 a year on average across current models) and Florida the most expensive (about $2,295).
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.