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

Quick Facts

• A Nissan Cube costs less than most other SUVs to insure.

• Full coverage for a Cube typically comes in at around $135 a month, while liability only insurance prices come in at about $66.

• Dashers is the most affordable auto insurance carrier for a Cube.

Cube Overview

The Nissan Cube is a great budget-friendly SUV for drivers of all types, with a base price of just $16,900 for 2014 models.

We sifted through thousands of car insurance quotes on Compare.com, and we've found that Nissan Cube insurance rates average out to around $112 per month. But compared to other vehicles in the market, are Cube auto insurance premiums higher or lower than those of similar SUVs?

How Much is Car Insurance for a Nissan Cube?

Based on the table above, when you compare the Nissan Cube to other vehicles, insurance prices are more affordable than average. On average, Cube owners can expect to pay about $135 monthly for full coverage, which has comprehensive and collision coverages in addition to liability, and about $66 per month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

Comparing it to other models, the Cube is less expensive, with premiums around 25% lower than Nissan's other vehicle offerings. Likewise, compared to other vehicles of a similar body style, Cube coverage is lower than average, with both full coverage and liability only insurance averaging less expensive rates than other SUVs.

When compared to all vehicles, regardless of model, body style, or make, the Cube follows a similar pattern of having below average car insurance prices.

Who has the Cheapest Car Insurance for a Nissan Cube?

Are you searching for a car insurance policy for your Nissan Cube? You most likely want to know which company offers the most affordable rates. Even though there will never be one carrier that offers the cheapest rates for everyone, the lowest average rates for liability only insurance are sometimes as low as $27 a month from ACG. The runner up for most affordable rates is Shelter Mutual, with insurance policies starting as low as just $34 monthly.

Rounding out the list are Arrowhead, Sun Coast, and Aspire. However, just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, your results might be different, since car insurance carriers look at a range of different variables when calculating premiums. By getting quotes from a multitude of auto insurance companies at once, you can be confident you're finding the lowest rate.

What Factors Affect Car Insurance Rates for a Nissan Cube?

There are a bunch of pieces that insurance carriers reference to choose how much they charge you for car insurance -- and every company uses a different formula, so there's not a single carrier that's the cheapest for each driver.

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

Vehicle Age

Nissan has been making the Cube for quite some time, so the car's age may make a difference in how much you'll pay for auto insurance. Typically, it costs less to insure older cars because they're worth less than newer models, and as cars age, insurance costs will gradually go lower.

Since a new model has not been added to the market for at least 5 years, the Cube won't really fit this trend. However, as you can see in the table above, the most expensive Nissan Cubes to insure are those that are 6 to 7 years old, while the cheapest models are Cubes that are 1 or less and 2 to 3 years old, on average.

Your Age

Your age is another variable that makes a significant difference in how much car insurance companies will charge. Based on the information in the table above, those who have more experience pay less for insurance compared to drivers under 24. Nissan Cube drivers who are 18 to 24 actually pay $29 more than those 25 or older.

Insurance prices continue to go down as you get older, with the cheapest age group being 55-64 for Cube drivers.

Your Gender

Because women are less likely to get into accidents and get speeding tickets, they have a lower chance of filing a claim with insurance. So, women tend to get cheaper rates than men. The Nissan Cube sticks to the norm, where men pay about 3% more than women a month for auto insurance.

Where You Live

You might think it's common sense that things such as what vehicle you drive and how old you are play a role in your car insurance premiums, but did you know that where you live matters, too? Since auto insurance is regulated at the state level, prices can fluctuate quite a bit from state to state.

For example, the average Nissan Cube owner from New York pays around $133 per month for liability coverage. Meanwhile, on average, the same Californian driver will pay less than 50% of that price. 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 from state to state.

Nissan Cube Car Insurance Discounts

Whatever what car you drive, what state you live in, or how old you are, it's always important to take advantage of as many insurance discounts as possible when shopping around for a policy.

Not every car insurance company will offer the same discounts, but there are a few that are relatively universal. These include discounts like:

• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like air bags or anti-lock brakes)
• Defensive driving discounts for taking a defensive driving class from an accredited school or institution
• Multi-policy discounts for getting both your home and auto policies from the same insurance carrier
• Pay-in-full discounts for agreeing to pay your entire policy premium up front, rather than by monthly payments

These are just a few of the discounts insurance carriers offer, and sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like avoiding lapses in coverage, not having recent insurance claims, and driving safely.

While you can't control every single aspect of your auto insurance profile (like some of the attributes we mentioned above), you can control some of it. Below are just a few of the ones you can use to your advantage when it comes to cost savings:

Your Driving Record

You've no doubt noticed ads from insurance companies offering hefty discounts for safe drivers. And you're probably not surprised to hear that if you get speeding tickets or get into an accident, auto insurance prices will go higher. But how much will they cost you?

Based on the table above, accidents will usually cost Cube drivers more than tickets, but both will result in above average rates. Nissan Cube drivers with one accident on their record pay about $91 every month (up $25 from the $66/mo. overall average), while drivers with a single ticket will pay an average of $82 monthly. The rates only go up the more tickets you get or accidents you have.

How Much You Drive

Another factor that plays a big role in your car insurance premiums is the amount of miles you drive annually. Drivers who are on the roads less have fewer opportunities to get into an accident, so they'll usually end up spending less on insurance. Based on the table above, you can see that Nissan Cube owners who drive fewer than 2,500 miles each year pay about $65 a month for car insurance, while those who put 10,000 miles or more on their cars pay $67.

If you don't use your Nissan Cube that often, you might consider choosing a usage-based or pay-per-mile auto insurance policy. With these kinds of coverage, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

How Do Nissan Cubes Compare to Other Vehicles?

If you're considering buying a new vehicle and a Nissan Cube is on your shortlist, it might be helpful to do your research. Auto insurance is just one cost that comes with buying a new car, but it's definitely one that's worth thinking about carefully.

Visit the table below to see how the Nissan Cube stacks up:

With an MSRP that's less than half of the going rate for a new vehicle, the Nissan Cube is a fantastic value for any budget. The Cube has an MSRP of $16,900, which is much cheaper than the national average vehicle price of $39,829. And since there hasn't been a new Cube model on the market in the last few years, used prices will be even more affordable.

Likewise, insurance rates are lower when compared to other vehicles on the market. Full coverage insurance for a Nissan Cube is about $21 a month cheaper than average, while liability only coverage is $10 cheaper per month.

When it comes to usage, Nissan Cube owners drive more miles annually than the national average, with 11,660 miles a year for all vehicles compared to the Cube's 14,962 per year.

Nissan Cube Car Insurance Costs by Model Year

So far, you've seen how different variables have an impact on what you'll pay for auto insurance. But if you're considering purchasing a new Cube, having a good idea of exactly what you'll pay is extremely valuable as you weigh your options.

So we've decided to break down Nissan Cube car insurance prices by model year. Find the model year you want in the dropdown to see average rates for both liability only and full coverage options. We've also included some other helpful info that might help you make a decision, such as available trims, base price, and even the cheapest insurance company for each year the Cube has been around.

2014 Nissan Cube Car Insurance

On average, drivers who own a 2014 Cube can expect to pay $71 to $148 monthly for liability only and full coverage insurance, respectively.

Liberty Mutual offered the most affordable policy we found, with rates as little as just $25 per month.

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

2013 Nissan Cube Car Insurance

It costs around $67 a month for liability or $139 for a full coverage policy for the 2013 Nissan Cube.

With rates sometimes as cheap as $18 monthly, Clearcover offered the lowest policy we found.

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.

2012 Nissan Cube Car Insurance

The average cost to insure a 2012 Cube with liability only coverage is $64 per month, while full coverage runs about $150 a month.

Commonwealth Casualty has premiums as cheap as $22 per month for the 2012 Nissan Cube.

Want to know exactly what your auto insurance price will be? Enter your ZIP code below to get a variety of free personalized quotes.

2011 Nissan Cube Car Insurance

You can expect full coverage for a 2011 Nissan Cube to run around $121 monthly, while liability only coverage will average about $74 a month.

Looking for the cheapest policy? Jupiter offered liability only coverage for as low as $21 per month.

These average prices are a great starting point if you're in the market for a 2011 Nissan Cube, but there are a variety of things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

2010 Nissan Cube Car Insurance

2010 Cube drivers can expect to pay an average of $62 a month for liability or $125 for full coverage.

If you're looking for the cheapest possible 2010 Nissan Cube insurance policy, Hallmark offered the most affordable policy we found, with rates as cheap as just $22 monthly.

Interested in what your car insurance rate could look like? Just enter your ZIP code below to get multiple free customized quotes.

2009 Nissan Cube Car Insurance

On average, drivers who own a 2009 Nissan Cube can expect to pay $64 to $137 per month for liability only and full coverage insurance, respectively.

We found Elephant offered the cheapest policy, with rates sometimes as little as $20 monthly.

If you want to find the best rates for car insurance for a 2009 Nissan Cube, enter your ZIP code below and compare a whole range of personalized quotes in just a few minutes.

Nissan Cube Insurance FAQs

Is a Nissan Cube expensive to insure?

Liability insurance runs an average of $66 a month, while full coverage will cost you around $135. The Nissan Cube is relatively cheap to insure compared to the average vehicle.

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

The only way to confirm you're getting the lowest price on auto insurance is to check prices regularly and compare quotes from quite a few 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 premiums from a range of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Nissan Cube affect my insurance prices?

You've probably heard the old adage that it costs more to insure a red car, but that's just a myth. There are a wide array of factors insurance carriers look at when they offer premiums, but your Nissan Cube's color is not on that list.

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

Before you can legally drive your new (or new to you) vehicle off the dealership lot, you'll need to have a valid auto insurance policy. Some dealerships will offer you one during the purchase process, but the best thing to do when buying a an SUV is to let your car insurance carrier know before you buy.

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

There are a bunch of different discounts out there when it comes to insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are based less on your Cube and more on you, but if your Cube has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may be eligible for certain discounts. The only way to find out is to contact your insurance company and ask about which discounts they offer, since they shift quite a bit from carrier to carrier.