Nissan Armada Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Nissan Armada is more expensive to insure than the average SUV.

• Full coverage for an Armada typically runs around $162 a month, while liability only auto insurance prices tend to be about $86.

• The most affordable insurance carrier for an Armada is Hugo, who offers premiums as low as $18 monthly.

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Armada Overview

The Nissan Armada is a high-end vehicle that is more expensive than your average SUV, with 2021 models starting at $65,000. There are three different trim levels currently available, so you'll be sure to find an option to fit your style.

We crunched the numbers on thousands of car insurance quotes on Compare.com, and we've determined that, on average, Nissan Armada insurance prices run around $194 a month. Compared to other vehicles in the market, how do Armada auto insurance premiums stack up?

How Much is Car Insurance for a Nissan Armada?

Looking at the table above, you'll find that Nissan Armada insurance rates are right about average compared to other vehicles on the road. Armada drivers normally pay around $162 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $86 monthly for liability only insurance (our guide, "State Minimum vs. Full Coverage", can provide more details on the difference between these types of insurance).

When you compare it to other models, the Armada is slightly more affordable, with prices more than 5% lower than the other vehicle types offered by Nissan. Compared to SUV offerings from other brands, car insurance for an Armada is similarly on the expensive side, with liability only insurance premiums coming in about $5 more and $10 more for full coverage.

When compared to all vehicles of any body type, auto insurance rates for both liability only and full coverage policies run higher than average.

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Who has the Cheapest Car Insurance for a Nissan Armada?

In the market for a car insurance policy for your Nissan Armada? You're likely wondering which company offers the most affordable prices. Although costs will typically be pretty different from person to person, the lowest average rates for liability only coverage are sometimes just $18 per month from Hugo. With car insurance as little as just $27 a month, Infinity is the next lowest insurance carrier.

Shelter Mutual, Good2Go, and Foremost finish off the rest of the top 5. However, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

Insurance carriers take a whole range of things into consideration when offering you premiums. Since every driver is different, there's only one way to make sure you get the cheapest premiums, and that's by getting personalized quotes and comparing rates from a lot of car insurance companies.

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What Factors Affect Car Insurance Rates for a Nissan Armada?

There are lots of pieces that auto insurance carriers take into account to determine how much they charge -- and every company uses a different algorithm, so there's not one single carrier that's the lowest for each Armada owner.

Here are just a few of the variables car insurers will look at, with individual breakdowns of how each one affects your rates:

Vehicle Age

The Nissan Armada has been around for a while, so vehicle age may play a role in what you end up paying for insurance. Usually, newer cars are going to cost more to insure because they're worth more, however, as time goes on and Armadas begin to depreciate, insurance costs will gradually get lower.

As you can see in the table above, the Nissan Armada does not follow this trend, as the most expensive models to insure are those that are 2 to 3 years old, while the cheapest Armadas are 1 year old or less, on average.

Your Age

How old you are plays a big role in how much you pay for car insurance. Based on the information above, those with more experience pay less for auto insurance than the youngest drivers. Nissan Armada drivers under 18 actually pay over five times as much as those 25 or older.

Auto insurance prices continue to decrease as you get older, with the cheapest age group being 55-64 for Armada drivers.

Your Gender

Because women are less likely to get into accidents and get speeding tickets, they run a lower risk of filing a claim with insurance. So, insurance companies will tend to offer women more affordable premiums. When it comes to Armada drivers specifically, women pay around 5% less than men monthly for insurance.

Where You Live

You may already know that factors like what vehicle you drive and how old you are play a role in your car insurance rates, but did you know that where you live matters just as much? Car insurance is regulated on the state level and not nationally, so prices can change quite a bit from state to state.

For example, the average Nissan Armada driver from New York pays about $230 per month for liability coverage. Meanwhile, the same Californian owner will pay less than 50% of that price, on average. The chart shows average rates for the 10 largest states by population, just to give you a good idea of how much premiums can change depending on where you live.

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Nissan Armada Car Insurance Discounts

Whatever what state you call home, how old you are, or which car you drive, it's always in your best interest to take advantage of as many auto insurance discounts as possible.

Even though all insurance carriers offer their own unique discounts, there are a few different ones that you'll find with most companies. These include discounts like:

• Multi-policy discounts for bundling your home and auto policies with the same company
• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Pay-in-full discounts for choosing to pay your entire policy price up front, rather than in monthly installments
• Multi-car discounts for having more than one vehicle on your auto policy

While discounts are always a good way to save money on your car insurance, sometimes, the best way to get great rates is to work on your overall insurance profile.

You obviously can't control every single aspect of your insurance profile (like some of the attributes we mentioned above), but there is quite a bit of it that you can influence. Below are just a few of the ones you can use to your favor when it comes to saving money:

Your Driving Record

You've probably seen ads from auto insurance carriers promoting large discounts for good drivers. It shouldn't come as a surprise that your car insurance prices will get higher if you get cited for speeding or get into a collision. But you still might be left wondering exactly how much these infractions will cost you.

You can tell from the table above that accidents will usually cost Armada drivers more than tickets, but both will result in higher than normal rates. Nissan Armada drivers with one ticket will pay an average of $99 monthly, while drivers with a single accident on their record pay about $119 per month (up $33 from the $86/mo. overall average). The rates only go higher the more accidents you have or tickets you get.

How Much You Drive

Another variable that plays a role in your auto insurance rates is the total distance you drive. Those who are on the roads less often are less likely to get speeding tickets, so they'll generally end up spending less on insurance. In the above table, you can see that Nissan Armada owners who drive 10,000 miles or more pay $87 for car insurance, while those who drive fewer than 2,500 miles every year pay an average of $78 a month.

But if you're one of those drivers who don't put very many miles on your Nissan Armada each year, you might consider learning about usage-based or pay-per-mile insurance policies. With these plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Nissan Armadas Compare to Other Vehicles?

If you're considering buying a new SUV and a Nissan Armada is on your shortlist, it can pay off to do your homework. Auto insurance is just one cost that's associated with a new car purchase, but it's certainly one that's worth considering carefully.

Check out the table below to see how the Nissan Armada compares:

With an MSRP that's a quarter more than the going rate for a new vehicle, the Nissan Armada is more expensive than average. While the average vehicle price in the U.S. is $46,179, the Armada comes in above that at $65,000.

Full coverage insurance for a Nissan Armada is around $26 a month cheaper than average, while liability only coverage is per month.

When it comes to usage, Nissan Armada drivers are much higher than the national average in annual miles driven, with 11,660 miles each year for all vehicles compared to the Armada's 13,347 a year.

Nissan Armada Car Insurance Costs by Model Year

Thus far, you've seen how different things affect how much you might pay for car insurance. If you're considering purchasing a new Armada, knowing what you can expect to pay for the specific vehicle you're looking at is extremely valuable as you weigh your options.

For this reason, we've crunched the numbers and broken down Nissan Armada auto insurance prices by model year. Choose a specific Armada model year in the dropdown below and see average rates for both full coverage and liability only insurance. We've also included some other helpful info that might help you make a decision, like available trims, base price, and even the cheapest insurance carrier for each year the Armada has been around.

Choose Your Model

2020 Nissan Armada Car Insurance 2019 Nissan Armada Car Insurance 2018 Nissan Armada Car Insurance 2017 Nissan Armada Car Insurance 2015 Nissan Armada Car Insurance 2014 Nissan Armada Car Insurance 2013 Nissan Armada Car Insurance 2012 Nissan Armada Car Insurance 2011 Nissan Armada Car Insurance 2010 Nissan Armada Car Insurance

2020 Nissan Armada Car Insurance

On average, drivers who own a 2020 Armada can expect to pay $43 to $115 a month for liability only and full coverage insurance, respectively.

If you're looking for the lowest possible 2020 Nissan Armada insurance policy, Hugo offered the most affordable policy we found, with rates as cheap as $18 monthly.

If you want to know just how much your rate will be, just enter your ZIP code below and get several free quotes in minutes.

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2019 Nissan Armada Car Insurance

2019 Nissan Armada drivers can expect to pay an average of $135 per month for liability or $276 for full coverage.

With premiums as little as $30 a month, Shelter Mutual offered the cheapest policy we found.

If you want to find the best prices for car insurance for a 2019 Nissan Armada, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2018 Nissan Armada Car Insurance

It costs about $127 monthly for liability or $261 for a full coverage policy for the 2018 Armada.

DirectGeneral has rates sometimes as little as $31 per month for the 2018 Nissan Armada.

Want to know just how much you'll pay? All you need to do is enter your ZIP code below and you'll be on your way to comparing a range of personalized quotes from the nation's top insurance companies.

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2017 Nissan Armada Car Insurance

The average cost to insure a 2017 Nissan Armada with liability only coverage is $87 a month, while full coverage runs around $153 monthly.

DirectGeneral offered the lowest policy we found, with rates as cheap as just $24 per month.

If you want to know exactly how much you can expect to pay for your Armada, get free quotes in minutes by just entering your ZIP code below.

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2015 Nissan Armada Car Insurance

You can expect full coverage for a 2015 Armada to run about $188 a month, while liability only coverage will average around $206 monthly.

We found Infinity offered the most affordable policy, with rates as low as just $45 per month.

If you want to know exactly how much you can expect to pay for your Armada, just enter your ZIP code below and get free quotes in minutes.

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2014 Nissan Armada Car Insurance

The average cost to insure a 2014 Nissan Armada with liability only coverage is $79 monthly, while full coverage runs about $158 a month.

Looking for the cheapest policy? MetLife offered liability only coverage for sometimes as cheap as $41 per month.

Want to find the best rates? Just enter your ZIP code below to get a variety of free customized quotes.

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2013 Nissan Armada Car Insurance

On average, drivers who own a 2013 Armada can expect to pay $72 to $142 a month for liability only and full coverage auto insurance, respectively.

With premiums sometimes as low as $43 monthly, Mercury offered the lowest policy we found for the 2013 Nissan Armada.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2012 Nissan Armada Car Insurance

2012 Nissan Armada drivers can expect to pay an average of $78 per month for liability or $148 for full coverage.

Looking for the most affordable policy? Safeco offered liability only coverage for as cheap as just $27 monthly.

If you want to know exactly how much you can expect to pay for your Armada, just enter your ZIP code below and get several free quotes in minutes.

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2011 Nissan Armada Car Insurance

It costs around $77 per month for liability or $172 for a full coverage policy for the 2011 Armada.

We found AnswerFinancial offered the cheapest policy, with rates sometimes as low as $28 a month.

Want to know exactly what your car insurance premium will be? Just enter your ZIP code below to get multiple personalized quotes for free.

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2010 Nissan Armada Car Insurance

You can expect full coverage for a 2010 Nissan Armada to run about $130 monthly, while liability only coverage will average around $80 per month.

With rates sometimes as cheap as $23 a month, Kemper offered the lowest policy we found.

If you're looking for a more exact figure on what you should pay for auto insurance for a 2010 Nissan Armada, you can get free quotes in minutes by just entering your ZIP code below.

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Nissan Armada Insurance FAQs

Is a Nissan Armada expensive to insure?

Liability insurance runs an average of $86 per month, while full coverage will cost you around $162. It costs more to insure a Nissan Armada when compared to the average vehicle.

How can I get the best price on car insurance for my Nissan Armada?

The only way to be confident you're getting the most affordable price on insurance is to check prices regularly and compare quotes from numerous carriers. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a multitude of companies at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Nissan Armada affect my insurance premiums?

You might have heard that it is more expensive to insure red cars that silver or white vehicles, but that's simply not true. There are a whole range of variables auto insurance carriers consider when they decide how much to charge you for car insurance, but your vehicle's color isn't one of them.

Do I need to have insurance before I buy a Nissan Armada?

Before you can legally drive your new (or new to you) Armada off the dealership lot, you'll need to have valid insurance for it. Some dealerships will offer you an auto insurance policy as part of the buying process, but the best thing to do when buying a an SUV is to talk with your auto insurance company ahead of time.

What car insurance discounts can I get for my Nissan Armada?

There are tons of discounts out there for insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are based less on your car and more on you, but if your Armada has safety features like anti-theft systems, airbags, anti-lock brakes, and other features, it may be eligible for certain discounts. You'll only know about which discounts you qualify for if you reach out to your insurance carrier and ask about their discounts.