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Nissan auto insurance: what you need to know.

Nissan’s roots stretch back more than 100 years and today the brand is Japan’s third-largest auto manufacturer after Toyota and Honda. Nissan vehicles, like most Japanese brands, are known for their reliability and competitive pricing.

If you’re looking to buy a Nissan, it’s important to understand that different models will have different insurance prices. Beyond the model, other factors will affect how much you pay to insure your Nissan, including where you live, whether it’s new or used, and the model year.

Your questions about Nissan auto insurance, answered.

How much does car insurance cost for a Nissan?

The LowestRates.ca editor ran sample quotes for two of Nissan's most popular models to give you an idea of what you can expect to pay. All prices are in Canadian dollars. 

A wide range of factors come into play when calculating insurance premiums for your Nissan. Some of these might include the age, model, value and safety features of your car.

To evaluate these features, our editors used ratings calculated by the U.S.-based Insurance Institute of Highway Safety (IIHS), which is widely regarded in North America as a credible provider of consumer car safety ratings. The IIHS evaluates vehicles on a scale of good, acceptable, marginal and poor, across three different categories: crashworthiness, crash avoidance and mitigation, and child seat anchors. We also consulted the National Highway Traffic Safety Association (NHTSA).

Keep reading to learn more about how these factors might influence your auto insurance rates.

Nissan Rogue

Estimated Premium

Driver infoCar make + modelLowest median premium quotedHighest premium quoted
Female, age 30, Ontario2020 Nissan Rogue S 4DR AWD$126.50/month$384.25/month
Male, age 30, Ontario2020 Nissan Rogue S 4DR AWD$129.67/month$400.50/month

About the Nissan Rogue

  • The Nissan Rogue was selected as an IIHS Top Safety Pick between 2014 and 2019.
  • The model earned good ratings across the board for crashworthiness, with the exception of the small overlap front on the passenger side, which was given a rating of ‘acceptable’ in 2018, 2019 and 2020.
  • In addition, the most recent model’s headlights were given a rating of acceptable-poor, depending on the trim selected by the driver, in the category of crash avoidance and mitigation.
  • The Rogue was given at least four stars in every category by the NHTSA, though it’s important to note that the vehicle was not evaluated every year.
  • For example, there are no ratings for the 2020 Nissan Rogue Sport and the 2017 Nissan Rogue Sport.
  • The Nissan Rogue can be purchased for between $27,198 and $37,998 depending on the model and trim.

Nissan Kicks

Estimated premium

Driver infoCar make + modelLowest premium quotedHighest premium quoted
Female, age 30, Ontario2020 Nissan Kicks S 4DR 2WD$109.17/month$367.75/month
Male, age 30, Ontario2020 Nissan Kicks S 4DR 2WD$112.50/month$382.42/month

About the Nissan Kicks

  • The Nissan Kicks was named a Top Safety Pick by the IIHS in 2018 and 2019.
  • Similar to the Rogue, the Kicks was given an acceptable for the small overlap front on the passenger side in the crashworthiness category, and an acceptable-poor rating for the crash avoidance and mitigation capabilities of the vehicle’s headlights depending on the trim and options selected.
  • The Kicks was also given glowing reviews by the NHTSA, with at least four out of five stars in every category. It’s important to note however that only the 2019 model was rated in every category.
  • The Nissan Kicks can be purchased for a base price of $18,298. This may increase depending on the model and trim.

How auto insurance quotes for Nissans are calculated

Beyond the car you drive, other factors such as your personal driving history, your age and gender, and even your postal code, have a major impact on how much you pay each month for car insurance.

In order to show you sample quotes, we had to create user personas: one male and one female. In general, men pay higher premiums than women.

Here are the criteria we used:

  • We ran separate quotes for a 30-year-old man and a 30-year-old woman in Ontario.
  • We used the postal code for the LowestRates.ca office in midtown Toronto.
  • We chose the 2020 model for each car.
  • Our personas have been insured continuously since receiving their license.
  • They drive an average of 40 km per day.
  • We’ve only selected the bare minimum when it comes to insurance coverage (third-party liability insurance).
  • We didn’t apply for any discounts.
  • We indicated that the car has winter tires.
  • We also indicated that the car is parked in a private garage.

Other factors can influence your auto insurance rate

Your rate is determined by a number of factors that your insurance company will consider when calculating how risky your vehicle is to insure. These include things such as a vehicle’s age, whether it’s new or used, where you live, your own driving history, and how often you drive your vehicle. Below, we break down how some of these factors are calculated.

  • Location - Where you live has a major impact on the insurance rates you pay. Are there a lot of accidents in your neighbourhood? Has your area seen a rash of vehicle break-ins or thefts recently? All of these factors will increase your auto insurance rates. Conversely, if your area is much safer than other towns or cities, then you’re likely to pay cheaper insurance rates.
  • Your vehicle - As mentioned, the more expensive a car, the more you pay for auto insurance. A Nissan Micra, which starts at $10,488, will most likely be cheaper to insure than the Titan XD, a pickup that starts at $49,498. You may also pay different rates depending on whether your car is new or used, and whether you’re leasing or financing it.
  • How much insurance you buy - If you decide to invest in coverage that exceeds the mandatory minimums, you will pay higher premiums. However, buying more coverage is often a good idea for if you buy a new model. You can always downgrade your insurance package later on.  
  • You - Ultimately, you will have the biggest impact on your insurance rates. For instance, your age and sex will help determine your premium. If you have a checkered driving history, with speeding tickets and accidents, expect to pay much more no matter what kind of car you drive. Finally, you may be eligible for unique discounts: for instance, alumni of certain schools or members of certain professional groups may be offered discounts on their auto insurance.

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