Compare Canada’s cheapest Nissan car insurance rates
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- Insuring your Nissan vehicle in Canada
- How much is it to insure a Nissan vehicle for a young driver?
- How much is it to insure a Nissan for an experienced driver?
- Which Nissan model is the cheapest to insure?
- How much can a traffic ticket or an accident raise your insurance?
- How to get cheaper car insurance for your Nissan
- Should you buy or lease your Nissan?
- Which Nissan model is considered safest?
- Protecting your car with Nissan’s additional warranties and coverage
Insuring your Nissan vehicle in Canada
Nissan's lineup of SUVs, pickups and EVs offers a fine blend of reliability, safety features, design, fuel efficiency and technology. Though it only occupies the 15th spot in Consumer Reports' 2025 car brand rankings, it is among the top 10 in categories like Used Car Reliability and Maintenance and Repair Cost. The brand also does not appear to be as desirable among car thieves as certain other brands, including Toyota, Honda and Chevrolet.
Car insurance companies consider all of these factors when determining how a particular vehicle model might influence their premiums. The lower the repair costs, for instance, the lower the premium. Does that mean that the premiums for Nissan vehicles are actually low? Let's find out.
How much is it to insure a Nissan vehicle for a young driver
If you're a young driver considering a Nissan, you might be surprised to see that insurance rates can be higher than expected. There are reasons for this that extend beyond the vehicle, though your model choice could affect your rates as well.
Here are some of the factors to consider:
Driver's risk level: Younger drivers are often considered a higher risk by insurers because they don’t have the experience to navigate tricky situations on the road. When you combine this with certain Nissan models, especially sporty ones, like the Nissan 370Z, the risk increases even more, since they can tempt younger drivers to push the limits, raising the likelihood of accidents.
Repair and maintenance costs: Nissans can vary in value, but models like the Nissan Maxima or the Nissan Pathfinder are often higher-priced vehicles. Insurance companies factor in the cost to repair or replace a car if it’s damaged. If your Nissan has a higher market value or expensive parts to replace, the insurance premium will reflect that.
Model-specific impacts: Whether it’s a compact car like the Nissan Sentra or a larger SUV like the Rogue, the type of Nissan you own can also influence insurance costs. Larger cars or those that are considered 'luxury' models tend to have higher premiums because they cost more expensive to repair and replace. Luxury cars are often driven in riskier conditions, like crowded urban areas, which can lead to more claims.
Where you live: If you're in a city with high traffic or accident rates, your insurance will likely be higher. Same goes if you live in an area where car thefts are more prevalent since that increases the chances of your car getting stolen. Many young drivers live in urban areas, which translates to a higher likelihood of claims.
Despite these factors, there are still ways to lower your Nissan insurance costs, so consider exploring them all.
Age | Insurance cost range |
|---|---|
18 | $9,079 - $12,992 |
19 | $7,533 - $10,260 |
20 | $7,066 - $8,724 |
21 | $6,435 - $6,872 |
22 | $5,366 - $6,096 |
23 | $4,979 - $5,640 |
24 | $4,729 - $5,448 |
25 | $4,050 - $4,620 |
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How much is it to insure a Nissan vehicle for an experienced driver
Even with years of driving experience, several factors influence how much you pay for insurance. Knowing what impacts your premium can help you find ways to keep costs down.
Experience (and age): Drivers in their 30s to 50s usually get the best rates. However, as drivers reach their late 60s or 70s, insurance costs may rise due to potential health-related risks.
Nissan model: Insurance rates depend on the model you drive. A Nissan Rogue S or Frontier tends to have lower premiums, while a Nissan Maxima costs more due to its high-performance engine and expensive repair costs. Larger SUVs like the Murano or Pathfinder may also have higher insurance rates because repairs can be pricey.
Driving record: A clean history of safe driving can lead to lower premiums. On the other hand, recent accidents or speeding tickets can cause your rates to increase.
How often you drive: More time on the road means a higher chance of accidents. If you drive your Nissan daily for long commutes, expect higher premiums. If you drive less frequently, you may qualify for a discount.
Where you live: Insurance companies consider where you live and park your car. Areas with high accident rates, heavy traffic, or frequent car thefts tend to have higher insurance costs. Certain Nissan models, like the Altima and Rogue, have been popular targets for theft, which can also raise premiums.
Safety and security features: Newer Nissan models, such as the Ariya and Rogue, come equipped with advanced driver-assistance features like automatic emergency braking and lane departure warnings. Cars with these features often qualify for insurance discounts.
Even experienced Nissan drivers can take steps to reduce insurance costs by exploring available discounts.
Age | Insurance cost range |
|---|---|
30 | $2,956 - $3,787 |
35 | $2,750 - $3,322 |
40 | $2,449 - $3,081 |
45 | $2,155 - $2,967 |
50 | $2,025 - $2,837 |
55 | $1,954 - $2,663 |
60 | $1,923 - $2,554 |
65 | $1,913 - $2,499 |
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Methodology
The table above outlines the average cost of car insurance in Toronto for a female G-licensed policyholder driving a 2023 ALTIMA 2.5 S 4DR AWD. Using our rate calculator, we calculated average auto insurance premiums by age, assuming the driver has a clean driving record. All ranges and averages presented represent the three lowest quotes offered. The insurance policies used for comparison include $1,000,000 in coverage, along with a $1,000 deductible for both collision insurance and comprehensive insurance.
It’s important to note that these quoted rates are specific to this driver profile. You are more likely to find rates at the lower end of the provided range by comparing quotes from different providers and selecting the one that offers the best value for your needs.
Disclaimer
Auto insurance rates are influenced by a variety of factors, including (but not limited to) your postal code, driving history, the specific make and model of the vehicle, additional safety features, whether you attended driving school, and more. This means the premiums for individuals with different circumstances may vary significantly from the rates shown here. Always compare personalized quotes to ensure you're getting the best coverage at the best price.
Which Nissan model is the cheapest to insure?
At $2,451 to $2,697 per year, Rogue stands out as the cheapest Nissan vehicle to insure. Its affordable insurance rates can be attributed to its strong safety ratings, but there are other reasons too, including:
Safety features: The Nissan Rogue is loaded with advanced safety technology, such as automatic emergency braking, lane departure warning and rear cross-traffic alert. These features significantly lower the risk of accidents, and in turn, your insurance rates as well.
Reliability: Nissan has a solid reputation for producing dependable vehicles, and the Rogue S is no exception. It’s engineered to handle everyday wear and tear with ease, meaning fewer breakdowns and less financial risk for insurance providers.
Repair costs and demand for parts: The Rogue's parts are widely available and reasonably priced, and maintenance is straightforward. Since insurers know that repair bills won’t skyrocket, they often keep premiums competitive for Rogue owners.
Performance and risk levels: The Nissan Rogue isn’t about flashy performance or high speeds. It’s built to be a practical, smooth-driving SUV perfect for families and daily commutes. That balanced performance level means lower risk on the road, which translates to savings on your insurance.
Driver profile and intended use: The Rogue is an everyday SUV designed for grocery runs, school drop-offs and weekend trips. It’s not typically used for high-risk activities like towing heavy loads or off-road adventures. This practical, no-nonsense usage pattern keeps claims low and insurance rates affordable.
Plus, the Rogue tends to attract thoughtful, safety-conscious drivers who care about practicality and reliability. This low-risk driver profile is a big plus for insurers, helping them to justify offering lower premiums for this model.
Vehicle | Insurance cost range |
|---|---|
Nissan Rogue | $2,451 - $2,697 |
Nissan Frontier | $2,513 - $2,904 |
Nissan Sentra | $2,617 - $3,008 |
Nissan Murano | $2,886 - $3,005 |
Nissan Altima | $3,275 - $3,394 |
Nissan Pathfinder | $3,273 - $3,596 |
Nissan Armada | $3,698 - $4,260 |
Nissan Maxima | $3,817 - $3,989 |
Methodology
The table above presents insurance cost ranges for some of the most popular 2023 Nissan models, calculated specifically for a Toronto-based, G-licensed, 35-year-old female driver. Using our rate calculator, we determined these costs by comparing the three cheapest quotes available for each model. This driver profile assumes a clean driving record and standard coverage, which includes $1,000,000 in liability coverage as well as a $1,000 deductible for both collision and comprehensive insurance.
By focusing on the most affordable quotes from various providers, the ranges provide a clear picture of what drivers with similar profiles can expect to pay. Selecting quotes from the lower end of the range can help you secure the best value for your insurance policy while still providing adequate coverage.
Disclaimer
Insurance premiums depend on many variables, such as your driving history, the vehicle's make and model, additional safety features, your postal code, and more. The rates shown here are specific to the outlined driver profile and may differ from costs for individuals with different circumstances or coverage needs. Always compare personalized quotes across providers to ensure you find the best rates and coverage tailored to your situation.
How much can a traffic ticket or accident raise your insurance?
Nissan drivers should be aware that accidents and traffic violations can significantly impact your insurance costs. For example, accumulating multiple speeding tickets may cause insurers to classify you as a higher-risk driver, leading to increased premiums. Similarly, if your Nissan is involved in an at-fault accident, your insurance rates are likely to go up due to the associated repair expenses.
Here are some of the possible changes you might see in insurance rates, based on major convictions and at-fault accidents:
Age | Major convictions | At-fault accidents | Insurance cost range |
|---|---|---|---|
30 | None | None | $2,956 - $3,787 |
None | 1 | $5,941 - $6,579 | |
1 | None | $6,427 - $7,350 | |
1 | 1 | $14,177 - $18,888 | |
35 | None | None | $2,750 - $3,322 |
None | 1 | $5,743 - $6,336 | |
1 | None | $6,204 - $6,840 | |
1 | 1 | $13,676 - $17,472 | |
40 | None | None | $2,449 - $3,081 |
None | 1 | $5,607 - $6,156 | |
1 | None | $4,484 - $6,612 | |
1 | 1 | $13,443 - $17,472 | |
45 | None | None | $2,155 - $2,967 |
None | 1 | $5,606 - $6,156 | |
1 | None | $3,907 - $6,612 | |
1 | 1 | $13,380 - $17,472 | |
50 | None | None | $2,025 - $2,837 |
None | 1 | $5,467 - $5,988 | |
1 | None | $3,652 - $6,468 | |
1 | 1 | $13,422 - $16,423 | |
55 | None | None | $1,954 - $2,663 |
None | 1 | $4,763 - $5,636 | |
1 | None | $3,512 - $5,628 | |
1 | 1 | $13,316 - $15,759 | |
60 | None | None | $1,923 - $2,554 |
None | 1 | $4,646 - $5,400 | |
1 | None | $3,453 - $5,520 | |
1 | 1 | $12,839 - $15,450 | |
65 | None | None | $1,913 - $2,499 |
None | 1 | $4,433 - $5,309 | |
1 | None | $3,430 - $5,244 | |
1 | 1 | $12,536 - $15,354 |
Methodology
The table provides a comparison of average car insurance premiums in Toronto for a female G-licensed driver operating a 2023 NISSAN ALTIMA 2.5 S 4DR AWD. The analysis includes two driving profiles: one for drivers with clean records, meaning no major convictions or at-fault accidents, and another for drivers with one at-fault accident, one major conviction, or both. Using a rate calculator, we determined the average premiums across different age groups by selecting the three lowest quotes from leading insurance providers. The insurance coverage considered includes $1,000,000 in liability coverage and a $1,000 deductible for both collision and comprehensive insurance. For drivers with at-fault accidents or convictions, premiums were adjusted based on the additional risk weighted by insurers, leading to higher quotes for that group.
Disclaimer
It is important to note that the rates listed are specific to this driver and vehicle profile and may vary significantly based on individual circumstances. Factors such as postal code, claims history, specific vehicle features, and even completion of a recognized driving school course can influence premiums. To ensure the best value, it is essential to obtain personalized quotes from multiple providers, as rates and coverage offerings can differ substantially depending on how each insurer evaluates risk. Comparing quotes allows drivers to find the most suitable and cost-effective insurance for their unique needs.
How to get cheaper car insurance for your Nissan
Driving a Nissan gives you many opportunities to lower your insurance rates. Bundling policies under the same insurer, for example, is a simple way to get discounts. Or, you could sign up for a telematics program to save as a safe driver. Taking a defensive driving course could also lead to additional savings.
Here's a list of advantages and disadvantages to help you make the right call regarding your potential Nissan vehicle:
Here are some ways you can get cheaper car insurance
Bundling policies
Bundling your auto and home insurance—or combining other policies like tenant or condo insurance—can significantly reduce your premiums. Insurance companies appreciate customer loyalty and often reward it with discounts. Savings can reach up to 20% or more. By taking advantage of this, you not only simplify your insurance management but also save a chunk of change.
Multi-vehicle discount
If your household has more than one car, insuring them under the same policy can lead to big savings. This is because insurers offer discounts (up to 15%) for placing multiple vehicles together under one account. It’s an easy win for families or households with multiple drivers, as it combines coverage while cutting costs.
Loyalty discounts
Insurance companies love loyal customers, and they often show it by reducing premiums for those who stick with them year after year. The longer you stay, the more you save—it can range from 5% after one year to as much as 10% for a decade of loyalty. If you’re happy with your insurer and their service, this discount is an excellent perk.
Higher deductibles
Choosing a higher deductible (the amount you pay out of pocket in a claim) can reduce your annual premiums by 5-10%. While the trade-off means you’d pay more in case of an accident, it’s a smart option for drivers who are confident in their safe-driving habits and want lower upfront costs.
Paying annually
Paying your entire premium in one annual payment instead of monthly installments can save you money by avoiding administrative or installment fees. While it requires a larger payment upfront, it’s a simple way to cut down on overall costs.
Telematics programs
Telematics are devices which can be added to you car or through a mobile app, which monitor your driving habits, such as speed, braking and mileage, rewarding safe drivers with lower premiums. They offer benefits like fairer rates for low-mileage drivers, personalized discounts and improved driving awareness. To maximize savings, you should focus on consistent safe driving, reduce high-risk night trips and choose a telematics program that best fits your needs.
Winter tires
Installing winter tires is not only smart for safely navigating Canada’s icy roads, but it can also reduce your premiums by 2%-5%. Some provinces, like Ontario, even require insurers to offer this discount. If you regularly switch to winter tires, make sure your insurer knows about it.
Anti-theft devices
Vehicles with anti-theft systems, like alarms or tracking devices, are less likely to be stolen, and insurers recognize this by offering discounts up to 15%. If your car doesn’t come with built-in anti-theft features, consider installing an aftermarket system to take advantage of this savings opportunity.
Should you buy or lease your Nissan?
Nissan offers a diverse lineup of vehicles, from the compact Sentra to the rugged Frontier and eco-friendly Leaf. Are you looking for a truck like the Titan for heavy-duty work or an SUV like the Rogue for family road trips? Buying could be the better long-term move in those cases. Alternatively, leasing gives you access to the latest tech features, such as ProPILOT Assist, and lets you test Nissan’s innovation without locking into one vehicle long term.
Leasing
Advantages:
- Latest models: Leasing a Nissan ensures you can enjoy the newest features, like ProPILOT Assist and Intelligent Mobility, as leases typically last a few years, keeping your car up to date.
- Lower costs: Leasing often requires a smaller down payment compared to buying, making it easier to get into a new Nissan.
- Warranty coverage: Most lease terms align with Nissan Canada's warranty, meaning major repairs and maintenance are often covered, reducing unexpected costs
- Depreciation protection: In Canada, where harsh winters can impact vehicle value, leasing protects you from the risk of depreciation since you don’t own the car.
Disadvantages:
- Mileage restrictions: Leases often come with mileage restrictions (e.g., 16,000–20,000 km per year), and exceeding these limits can result in costly penalties.
- Insurance Costs: When leasing, companies often require more comprehensive insurance which increases your overall costs.
- Wear and Tear Fees: Lease agreements usually include penalties for excessive wear and tear. If the vehicle has more scratches, stains, or damage than expected, you might have to pay additional fees when you return it.
- Early termination fees: Ending a lease early could result in significant penalties.
Buying
Advantages:
- Full ownership: When you buy a car, it’s all yours. You can keep it as long as you like, sell it whenever you want, or even pass it on to someone else.
- No mileage limits: Models like the Nissan Maxima and Pathfinder won the award for Best Family car of 2022. That said, with regular driving, such as taking the kids to school or going on vacations, you might find yourself putting on more miles than what leasing agreements typically allow
- Personalization: You can modify your Nissan to match your style, whether it’s upgrading the interior or adding accessories.
- Long-term savings: While the upfront cost of buying might be higher, it can be more affordable in the long run. Once you’ve paid off the car, you don’t have monthly payments anymore.
Disadvantages:
- Higher upfront costs: Buying often requires a bigger down payment compared to leasing. Additionally, monthly finance payments can be higher.
- Repair costs: Once your warranty expires, you’ll be responsible for any maintenance or repair costs. These can add up, especially as the car gets older.
- Depreciation: Like all vehicles, Nissan vehicles generally depreciate about 20-30% in their first year and lose around 50% or more of their value after five years, which is typical for most cars.
Which Nissan model is considered safest?
The 2025 Nissan Pathfinder is a midsize SUV that blends robust safety and innovative features, earning high ratings from the Insurance Institute for Highway Safety (IIHS). Designed with passenger protection in mind, the Pathfinder shines in key safety tests and technologies:
Small overlap front test: This test examines the vehicle’s ability to shield passengers when the front corner collides with an object like a pole. The Pathfinder’s strong structure expertly directs and absorbs impact forces to ensure outstanding passenger safety.
Moderate overlap front test: Evaluates how well the vehicle protects passengers during a wider front-end crash. The Pathfinder earned top marks, showcasing its resilient design and dependable safety measures.
Side impact test: Simulates a collision from the side, such as being hit by another vehicle. The Pathfinder's reinforced panels and advanced side airbags earned it a superior rating, providing excellent passenger protection.
The Pathfinder complements its crashworthiness with comprehensive crash avoidance and mitigation technology. Standard pedestrian detection uses sensors to spot individuals on the road, issuing warnings and deploying automatic braking when necessary. The Pathfinder also incorporates seat belt reminders and a highly rated LATCH system, making child seat installation both simple and secure. The vehicle’s headlights received an acceptable rating, offering dependable visibility that enhances safety during nighttime driving.
Category | Evaluation criteria | Rating |
|---|---|---|
Crashworthiness | Small overlap front | G |
Moderate overlap front: updated test | G | |
Side: updated test | G | |
Crash avoidance & mitigation | Headlights | A |
Front crash prevention: pedestrian (Standard system) | G | |
Seat belts & child restraints | Seat belt reminders | G |
LATCH ease of use | G | |
Other available safety features
| ||
Source: The Insurance Institute for Highway Safety
Protecting your car with Nissan’s additional warranties and coverage
Nissan’s warranties and coverage can give you either additional protection or a refresher on your current warranty to complement your car insurance.
Whether you are leasing, financing or own your car, Nissan offers multiple plan packages to enhance your coverage. Here are some of the plans it offers:
- Added Security Plan (Platinum): This covers wear and tear on parts like the engine, steering mechanism, suspension, braking system as well as air conditioning and cooling systems.
- Oil Change & Tire Rotation: This covers oil and filter changes as necessitated by your Nissan model.
- Lease End Protection: This waives up to $7,500 of excess wear-and-tear charges for dents, paint damage, broken lights or lenses, missing original equipment, cracked or chipped glass, upholstery tears and stains and worn-out tires.
- Deficiency Waiver Addendum: This plan will waive the difference between your car insurance payout and the balance left on your car’s financing in the event of theft or total loss.
- Tire & Rim, Dent, Key and Appearance: This will protect you in case of damage to tires and rims (if caused by road hazards), paintless dent repairs, lost key or remote replacement, and certain repairs to paint or interior fabric or leather.
- Added Security Plan (ASP): This one provides additional coverage for parts and labour beyond the New Vehicle Limited Warranty.
- Optional Protection Plans: You can also purchase plans to help preserve your car’s appearance and performance without incurring high costs.
- EV Care: This provides additional protections for your EV vehicle should you need them.
