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Nissan car 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 for car insurance for your Nissan, it helps to understand how rates are calculated and what you need to secure the lowest one.

As a first step, we recommend comparing insurance for Nissans from as many companies as possible. Our free, online quote tool will give you rates from more than 75+ insurance providers across Canada.

A broker expert in insurance for Nissans will help you with the following:

Comparison shopping will position you to find the best Nissan insurance in Canada, for the lowest rate.

How much does insurance cost for a Nissan?

There isn’t a single clear-cut answer to the question “how much is insurance for a Nissan?” It’s difficult to predict how much insurance will cost for any vehicle because of the range of variables that companies consider when they set a rate.

Beyond using a free online quote tool, the best way to find cheap car insurance for a Nissan is to understand the variables that will weigh most significantly on your application.

If an insurance company considers you or your vehicle high risk, you’re more likely to pay higher premiums.

On the other hand, for an average Nissan driver, auto insurance savings are available.

After you comparison shop and have a selection of quotes, you’ll be connected with a licensed broker to find the best car insurance rates for Nissan.

They’ll answer all of your questions about coverage types and policies while also reviewing how carriers may regard your application.

The variables insurance companies consider may include, but aren’t limited to:

Driver:

  • Age and gender - Younger drivers and male drivers tend to pay higher premiums.
  • Annual mileage - Carriers look at how you use your vehicle. Do you commute daily, or only use it occasionally?
  • Marital status - Are there multiple drivers on your policy?
  • Primary location where you’re based - Are you in an urban, regularly navigating dense traffic, or in a rural area?
  • Record - Previous claims or violations will impact premiums.

Policy:

  • Coverage type, limits and deductibles.
  • Policy type - Are you looking for a new policy for your Nissan, or, for an insurance renewal?

Vehicle:

To get a sense of the average insurance cost for a Nissan, see the estimated premiums below:

Estimated Premium

Front view of a car. Illustration.

See how our customers save big on auto insurance.

CustomerLocationVehicleLowest RateAverage RateSaved
Quote from June 12, 2021
Customer
Female, 52 years old
Location
ontario
Vehicle
2017 NISSAN TRUCK/VAN ROGUE S 4DR AWD
Lowest Rate
$1,341/yr
Average Rate
$1,972/yr
Saved
32.00%
Quote from June 12, 2021
Customer
Male, 53 years old
Location
ontario
Vehicle
2011 NISSAN TRUCK/VAN QUEST 3.5 LE
Lowest Rate
$2,501/yr
Average Rate
$4,343/yr
Saved
42.00%

Your questions about Nissan car insurance rates, answered.

What is the cheapest Nissan to insure?

Nissan is one of the largest car manufacturers in the world, selling vehicles under three brand names: Nissan, Infiniti and Datsun. The Japan-based company is also well-known for the high volume of electric vehicles they produce.

Vehicle type, model and year are a few of the variables that insurance companies closely consider when setting a rate.

Nissan car insurance prices aren’t fixed. Instead, they’re determined by how the variables in an application combine.

For example, two drivers of the same age and gender and driving the same Nissan, including same model and year, may qualify for different insurance rates. This could be because they may have different coverage types, driver histories and use their cars for different reasons—one for commuting, one hardly at all.

As a result, insurance rates for similar Nissan drivers may vary a lot. Comparing rates will help you figure out how to secure the best vehicle insurance for your Nissan.

Used vs. new Nissan: which car is cheaper to insure?

All variables being equal, car insurance for a used Nissan is likely to be less expensive than for a newer one. This is because the cost of repairs or replacement is often less.

However, a used Nissan is likely to be more expensive to insure than a new one is if it’s considered a classic car, which often requires a special type of insurance coverage.

An important consideration if you’re buying a used car: check to see if there are any previous insurance claims for a used Nissan by using the Insurance Bureau of Canada’s free service. Verify Vin will reflect claims reported by an IBC insurance company partner.

What is the best car insurance for a Nissan?

Car insurance is regulated by the provinces, so where you live will determine the type of coverage you have.

For example, in Ontario, your coverage must include a minimum of third-party liability, accident benefits, direct compensation-property damage coverage (DCPD) and uninsured automobile coverage.

Elsewhere in Canada, different coverages are mandatory and may be administered by a private company, the government, or a combination of both.

How car insurance quotes for Nissan are calculated

Insurance carriers consider a range of variables when setting a rate. In general, they’re trying to gauge:

  • The likelihood of an applicant making a claim
  • What that claim may cost

Generally speaking, you’re likely to save money on insurance if you can reflect that:

  • Your vehicle is at low risk of being involved in a claim
  • You, the driver, are also low risk

Vehicle type and model, as well as safety rating, can also increase your insurance rates.

Canadian insurance companies use the Claims Loss Experience Automobile Rating system to measure how likely various vehicle types and models are to be involved in a claim.

Carriers tend to quote lower premiums for vehicles with lower CLEAR ratings.

Experienced drivers who have clean records and drive safe cars are likely to enjoy lower insurance rates compared to new drivers who have infractions on their record and drive cars considered high risk.

How can I reduce the price of car insurance for my Nissan?

You can reduce the car insurance rate for your Nissan by adjusting aspects of your application.

For example, some drivers are tempted to get the same coverage they’ve had on a previous Nissan insurance policy, not realizing that coverage is no longer relevant for how they use their new vehicle.

Driving fewer kilometres each year, having more driving experience, maintaining a consistently clear driving record and even bundling your policies with a single provider are some ways to bring down insurance rates.

Other variables that affect car insurance rates include:

  • Age – As drivers age, their premiums go down in part because they can reflect additional driving experience.
  • Bundling – Drivers who bundle their insurance policies with a single carrier may be eligible for savings.
  • Clean driving record – Insurance companies may offer lower rates to drivers with clean driving records.
  • Credit score – In provinces where it’s legal, drivers who elect to have their credit score considered as part of their insurance application may secure savings.
  • Raising your deductible – Drivers willing to pay a higher deductible may pay lower rates. However, drivers should only do so if they’re confident they’ll be able to pay a higher deductible in the event of damage.
  • Telematic programs – Drivers who opt in to telematics programs which track their driving behaviour may be able to save. Carriers can personalize premiums based on driver behaviour.

If you’re a young driver looking for Nissan insurance, you may be able to bring down costs by being insured on one of your parents’ policies.

Other ways young drivers can bring down their rates include:

  • Completing a driving course.
  • Being enrolled at a school that offers insurance discounts to students who maintain good grades.

Is it safe to buy Nissan insurance online?

Yes, it’s 100% safe to get insurance coverage for a Nisssan online. It’s also fast and convenient.

Start with our free online tool for more than 75+ quotes from the leading insurance companies in Canada.

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