Carrier vs. Carrier Comparisons
Allstate, State Farm, and Progressive are the best car insurance companies for Nissans, offering competitive premiums starting as low as $91/month.
Allstate stands out as the overall best choice due to its exceptional customer service and high mileage savings. State Farm and Progressive also offer significant value through their competitive pricing and usage-based insurance discounts.
| Company | Rank | UBI Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
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#1 | 30% | A+ | High-Mileage Savings | Allstate |
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#2 | 30% | B | Customer Service | State Farm |
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#3 | 30% | A+ | UBI Discount | Progressive |
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#4 | 30% | A | Customizable Policies | Liberty Mutual |
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#5 | 25% | A++ | Online Convenience | Geico |
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#6 | 30% | A++ | Safety Features | Travelers |
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#7 | 30% | A++ | Military Savings | USAA |
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#8 | 30% | A | Safe Drivers | Farmers |
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#9 | 30% | A | Discount Availability | American Family |
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#10 | 40% | A+ | Widespread Availability | Nationwide |
These top picks ensure Nissan owners receive the best value on comprehensive insurance coverage.
Ready to shop around for the best car insurance companies for Nissans? Enter your ZIP code above and see which one offers the coverage you need.
What You Should Know
- Allstate is the leading provider of Nissan car insurance
- State Farm has the cheapest Nissan car insurance for $91/month
- Progressive provides substantial usage-based insurance discounts for Nissan owners
#1 – Allstate: Top Pick Overall
Pros
- Mileage Discounts: Allstate Milewise offers substantial insurance discounts, even for high-mileage Nissans. Learn more in our Allstate review.
- Enhanced Coverage: Tailor insurance coverage options to fit the specific needs and characteristics of various Nissan models.
- Excellent Customer Support: Allstate’s customer service is highly rated, making it easier to address any issues with your Nissan coverage.
Cons
- Initial Premium Costs: Allstate is more expensive than other Nissan car insurance companies.
- Limited Discounts: Some specific discounts for Nissans, like those for new models or specific safety features, may not be as extensive.
#2 – State Farm: Best for Customer Service
Pros
- Responsive Customer Service: State Farm is known for its excellent customer service and efficient claims process for Nissan owners.
- Tailored Policies: Provides insurance plans that are specifically designed to cater to the varying needs of Nissan vehicles. Read our State Farm reviewfor a full list.
- Competitive Rates: State Farm insurance rates for Nissans are cheaper than other national providers.
Cons
- Financial Downgrade: A.M. Best recently downgraded State Farm's financial rating to a "B", which could impact Nissan insurance claim payouts.
- Fewer Usage-Based Discounts: Compared to some competitors, State Farm may offer fewer discounts for Nissan owners who drive a lot.
#3 – Progressive: Best for UBI Discount
Pros
- Attractive UBI Discounts: Progressive offers significant discounts for Nissans through their usage-based insurance (UBI) program.
- Transparent Savings: Clear and simple UBI discount structures for Nissan owners, which you can read more about in our review of Progressive.
- Online Tools: Progressive offers unique online tools to help Nissan drivers pick a policy that fits their budget.
Cons
- UBI Program Requirements: To benefit from UBI discounts, Nissan owners must have a compatible device or app, which may be an inconvenience.
- Poor Customer Service: Some Nissan drivers may experience poor customer service as insurance reviews are varied in most regions.
#4 – Liberty Mutual: Best for Customizable Policies
Pros
- Customizable Coverage: Liberty Mutual offers flexible policy options that can be tailored to fit the specific needs of Nissan owners.
- Safety Features Discounts: Offers insurance discounts for Nissans equipped with advanced safety technologies. Read our Liberty Mutual review to learn more.
- Safe Driver Rewards: Nissan drivers who avoid claims and accidents can earn accident forgiveness and vanishing deductibles.
Cons
- Complex Policy Choices: The wide range of customizable options might be overwhelming for Nissan owners who prefer straightforward policies.
- Higher Cost for Customization: Adding extra coverage options for Nissans can sometimes lead to higher overall premiums.
#5 – Geico: Best for Online Convenience
Pros
- Easy Online Management: Geico’s online platform makes it easy for Nissan owners to manage their policies and make changes.
- Quick Quotes: Provides fast and convenient online insurance quotes, helping Nissan owners quickly compare rates.
- Safety Features Discounts: Geico discounts Nissans with anti-theft devices. Check out our detailed guide titled "Car Insurance Online Marketplaces."
Cons
- Limited In-Person Service: Geico’s focus on online services may be less ideal for Nissan owners who prefer face-to-face interactions.
- No Gap Coverage: Geico doesn't offer gap insurance for new Nissans.
#6 – Travelers: Best for Safety Features
Pros
- Advanced Safety Features: Travelers offers discounts for Nissans equipped with the latest safety technologies, which you can check out in our Travelers review.
- Comprehensive Protection for Safety-Focused: Provides robust coverage options that specifically cater to Nissan models with advanced safety features.
- Support for Safety-Related Claims: Efficient handling of claims related to safety features and incidents involving Nissans.
Cons
- Higher Premiums for Older Nissans: Premiums can be higher for older Nissan models, which might lack modern safety features.
- Non-Safety-Related Features: Travelers may not offer as many discounts for Nissans with non-safety features.
#7 – USAA: Best for Military Savings
Pros
- Exclusive Discounts for Military Owners: USAA offers special discounts for Nissan owners who are military members or veterans.
- Flexible Coverage: Offers extensive coverage options tailored for the specific needs of Nissan vehicles, which you can learn about in our USAA review.
- Exceptional Service for Military Families: Known for outstanding customer service and support for military families, including those with Nissans.
Cons
- Eligibility Restrictions: USAA’s coverage is limited to military personnel and their families, excluding non-military Nissan owners.
- Expensive High-Risk Insurance: Nissan drivers who need high-risk car insurance will see bigger rate increases at USAA than other companies.
#8 – Farmers: Best for Safe Drivers
Pros
- Discounts for Safe Driving: Farmers offers significant discounts for Nissan owners who maintain a clean driving record.
- Usage-Based Savings: Safe drivers with low mileage can sign up for Farmers Signal to save money on Nissan car insurance.
- Rewards for Safe Driving Habits: Rewards safe driving practices with lower premiums and additional perks for Nissan owners. Read more in our review of State Farm.
Cons
- Higher Rates for Higher-Risk Nissans: Rates may be higher for Nissan models deemed higher risk or with a history of accidents.
- Limited Discounts for High-Mileage: Fewer discounts are available for high-mileage Nissans compared to other insurers.
#9 – American Family: Best for Discount Availability
Pros
- Wide Range of Discounts: American Family offers various auto insurance discounts for Nissan owners. Read our American Family review for a complete list.
- Flexible Coverage Plans: Provides customizable coverage options that can be tailored to the specific needs of Nissan vehicles.
- High Customer Satisfaction: Nissan drivers in most regions praise AmFam customer service and claims processing.
Cons
- Discounts Vary by Location: The availability and amount of discounts for Nissans can vary depending on the region.
- Limited Coverage: AmFam car insurance for Nissans isn't available in every state.
#10 – Nationwide: Best for Widespread Availability
Pros
- Wide Availability: Nationwide provides coverage in 44 states, including usage-based coverage for Nissans.
- Flexible UBI Savings: Save money on Nissan car insurance based on mileage or safe driving habits. Learn more in our Nationwide review.
- Vanishing Deductibles: Nissan drivers who avoid claims will see their car insurance deductibles decrease every six months.
Cons
- More Expensive: Nationwide is more expensive for Nissan insurance than other national providers.
- Poor Customer Service: Nationwide Nissan insurance ranks below average for customer service and claims satisfaction.
Unveiling the Costs: A Comprehensive Comparison of Nissan Car Insurance Rates
When selecting car insurance for your Nissan, grasping the cost variations between basic and comprehensive coverage options can guide you in making a well-informed choice.
The table below compares the monthly insurance rates for minimum and full coverage across various insurance companies. Each company offers different pricing for both types of coverage, providing a clear view of how costs can vary depending on your choice of provider and coverage level.
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| Allstate | $124 | $181 |
| American Family | $156 | $194 |
| Farmers | $212 | $234 |
| Geico | $137 | $161 |
| Liberty Mutual | $163 | $212 |
| Nationwide | $153 | $202 |
| Progressive | $149 | $186 |
| State Farm | $101 | $143 |
| Travelers | $181 | $211 |
| USAA | $91 | $124 |
State Farm offers the lowest minimum coverage at $101/month, while USAA is the cheapest for military members with Nissans at $91/month. On the higher end, Farmers charges $212/month for minimum coverage.
For a range of options, consider Allstate at $124 minimum and $181 full coverage, or Liberty Mutual with $163 minimum and $212 full coverage.
Read More: 5 Tips to Lower Your Motorcycle Insurance Cost
Key Considerations for Insuring Your Nissan: A Comprehensive Guide
From your vehicle's model and age to its mileage and safety features, several aspects influence your Nissan insurance rates.
- Vehicle Model and Age: Insurance rates can vary based on the specific Nissan model and its age. Newer or more expensive models may have higher premiums.
- Mileage: Consider how much you drive and how it impacts your insurance cost. Check out our ranking of the top providers: Best Low-Mileage Car Insurance Companies
- Safety Features: Nissans equipped with advanced safety features (like automatic braking or lane-keeping assist) can often earn lower premiums due to reduced risk.
- Coverage Needs: Decide between minimum or full coverage based on your vehicle’s value and personal preferences. Full coverage is usually recommended for newer cars.
- Discounts Available: Look for discounts specific to Nissan owners, such as safe driving or multi-policy discounts, to reduce your overall insurance costs.
By carefully considering your Nissan's model, age, mileage, safety features, and available discounts, you can find an insurance plan that offers the best protection at an affordable rate.
Take the time to review these aspects, and you'll be well on your way to securing a policy that meets your needs and keeps your Nissan well-covered on the road.
Learn More: How does my credit score affect my insurance premium?
Maximize Your Savings: Exclusive Deals on Nissan Car Insurance
Get top discounts on Nissan car insurance from these leading providers. Options include savings for multi-policy, good grades, new vehicles, and safe driving habits.
Bundling your car insurance with other policies, such as home or renters insurance, can lead to significant discounts.
Increasing your deductible may lower your premium, but make sure you’re comfortable with the potential out-of-pocket expense in the event of a claim.
Finding affordable car insurance for your Nissan doesn’t have to be a challenge. Usage-based insurance can save you money by monitoring your driving habits and rewarding safe driving, so consider enrolling in a program that tracks your driving patterns for potential premium reductions.
To maximize savings on comprehensive coverage for your Nissan, start by comparing quotes from multiple top insurers. This helps you identify the most competitive rates and ensure you get the best deal. Use online comparison tools to compare multiple quotes at once for free.
Read More: A Practical Guide For Understanding Car Insurance
Discover Top Car Insurance Plans Tailored for Your Nissan
Discover top car insurance for Nissan owners with Allstate, State Farm, and Progressive. Premiums start at $101/month, with low-mileage savings and usage-based discounts.
With a range of insurance options and discounts available, finding the best coverage for your Nissan is easier than ever. Find out more in our resourse titled "Liability vs. Full Coverage: Car Insurance Explained."
Whether you're looking for the lowest rates or the most generous discounts, comparing quotes is the easiest way to find affordable car insurance. Simply enter your ZIP code below into our free comparison tool to see rates in your area.
Frequently Asked Questions
What factors affect car insurance rates for Nissans?
Several factors impact insurance rates, including the Nissan model, vehicle age, mileage, safety features, and your driving history. Insurers also consider your location, credit score, and the level of coverage you choose.
How can I find the best Nissan car insurance rates?
To find the best rates, compare quotes from multiple insurance providers. Consider factors like customer service, discounts, and coverage options. Using comparison tools online can help you quickly assess your options.
What is the difference between minimum coverage and full coverage insurance?
Minimum coverage meets the legal requirements and generally includes liability insurance. Full coverage includes comprehensive and collision insurance, offering broader protection for damages and incidents beyond what minimum coverage covers. (Learn More: Collision vs. Comprehensive Coverage: Differences in Car Insurance Policies)
Are there specific car insurance companies that offer better rates for Nissan owners?
Yes, companies like State Farm and USAA have the cheapest Nissan car insurance rates on average.
What are the benefits of using a usage-based insurance (UBI) discount?
UBI discounts reward safe driving habits by tracking your driving behavior. The best car insurance companies for Nissans offer competitive UBI programs, including Allstate, State Farm, and Progressive.
What types of discounts are available for Nissan owners?
"Why is car insurance so expensive?" You may be missing out on car insurance discounts. Always ask about multi-policy savings, good student discounts, safe driving rewards, and discounts for new vehicles to get cheaper Nissan insurance.
How does my Nissan’s safety features affect my insurance premium?
Vehicles with advanced safety features, such as automatic braking or lane-keeping assist, may qualify for discounts. Insurance companies often provide lower rates for cars equipped with these technologies due to the reduced risk of accidents.
Can I save money by bundling my Nissan car insurance with other policies?
Yes, bundling car insurance with other policies like home or renters insurance can lead to significant discounts. Many insurance providers offer lower rates for customers who combine multiple types of coverage.
Should I increase my deductible to lower my insurance premium?
Increasing your insurance deductible can lower your monthly premium, but it also means you'll pay more out-of-pocket in the event of a claim. Consider your financial situation and comfort level with potential out-of-pocket expenses before adjusting your deductible.
How does my credit score impact my car insurance rates?
A higher credit score can lead to lower insurance premiums, as insurers view good credit as an indicator of lower risk. Maintaining a strong credit score can help you secure better rates on your Nissan’s insurance.