Nissan GT-R Car Insurance Cost: Average Rates, Cheapest Companies, and How to Save

Average Car Insurance Cost for the Nissan GT-R

Average auto insurance rates depend on the type of policy you choose. Liability-only policies cover damages you cause to others up to your policy’s limits.

Full-coverage car insurance policies extend protection to your vehicle, including collision insurance that covers damage from at-fault accidents and comprehensive insurance that covers non-collision damage.

Here are the average liability-only and full-coverage premiums for the Nissan GT-R compared to national averages, according to the most recent data from Compare.com.

Vehicle	Average Monthly Premium: Liability	Average Monthly Premium: Full Coverage	Average Monthly Premium: All Policies
Nissan GT-R	$103	$293	$198
All vehicles	$113	$212	$163

We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .

The average GT-R liability policy costs $103 per month, making it slightly less than the national liability average. That’s largely due to the fact that very few GT-R owners opt for such a basic policy.

But at $293 per month, average full-coverage rates for the GT-R cost substantially more than the average car.

That said, many factors influence rates. We’ll cover some of the most important below.

The Cheapest Car Insurance Companies for the Nissan GT-R

Car insurance rates for the same make and model can vary considerably between companies. That makes comparing quotes the single best way to get cheaper car insurance.

The table below shows the cheapest auto insurers for GT-R drivers, based on Compare.com data.

Company	Average Monthly Premium
USAA	$121
State Farm	$134
Allstate	$171
American Family	$182
GEICO	$187
AAA	$204
Nationwide	$220
Progressive	$225
Travelers	$230
Farmers	$261
Liberty Mutual	$311
Amica	$586

We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .

USAA offers the cheapest average rates to Nissan GT-R drivers, with an average monthly premium of $121. It delivers moderate savings compared to the next-cheapest insurer and significantly lower premiums than the remaining companies.

Here’s how the three cheapest insurers for the GT-R perform in key categories beyond cost.

Compare Quotes

User Reviews	4.2 211 reviews
Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.	4.5 /5
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$52/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$101/mo

Details

4.2

Best choiceBased on 211 verified guest reviews and ratings

	USAA's score	Industry average
Coverage options	4.9	3.2
Customer service	4.6	3.6
Discounts	4.9	2.9
Policy transparency	4.9	3.1
Value	4.9	2.9

How drivers feel about USAA

Customers appreciate the prompt customer service and claims handling but are frustrated by the significant and frequent price increases.

AI-generated from the text of verified reviews collected by Compare.com

Showing recent national reviewsSee all 89 USAA reviews

George

Verified Review

Military vets can't afford you!!

Reviewed in Virginia on September 16, 2026

A good company, except for a 60% increase on my policy. That's not a good idea.

Thomas

Verified Review

Good. I was able, this time, to reach a live person quickly.

Reviewed in Maryland on September 12, 2026

Good company. I lost my coverage due to accidents.

Mark

Verified Review

Unexplainable

Reviewed in Alaska on September 9, 2026

Rates go up with every renewal, even though no claims have been made for years.

J.D. Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

AM Best

AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

USAA regularly tops the list of best car insurance companies, largely due to its customer service, low rates, and claims team. The company provides coverage replacement assistance, which is similar to gap insurance.

You can also get OEM coverage with USAA, but only for recent model years.

Pros

• Excellent customer and claims satisfaction

• Offers OEM parts coverage

• Great telematics discount

Cons

• Only available to military members and eligible family

• Custom parts coverage not available

• Diminishing deductible not available

Compare Quotes

User Reviews	3.9 1,014 reviews
Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.	4.7 /5
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$54/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$103/mo

Details

3.9

A solid optionBased on 1,014 verified guest reviews and ratings

	State Farm's score	Industry average
Coverage options	4.4	3.2
Customer service	4.5	3.6
Discounts	4.3	2.9
Policy transparency	4.3	3.1
Value	4.2	2.9

How drivers feel about State Farm

Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.

AI-generated from the text of verified reviews collected by Compare.com

Showing recent national reviewsSee all 398 State Farm reviews

Donna

Verified Review

The agency wasn’t willing to match many other cheaper quotes unless I was willing to make major adjustments. I shopped around and went with Allstate, which gave us a much better deal without changing anything—except adding roadside assistance coverage for only an extra $75.00 a year—and we still saved $1,000 in six months. Your agencies need to wake up; most people will shop online for the best deals.

Reviewed in Florida on September 18, 2026

The agency wasn’t willing to match many other cheaper quotes unless I was willing to make major adjustments. I shopped around and went with Allstate, which gave us a much better deal without changing anything—except adding roadside assistance coverage for only an extra $75.00 a year—and we still saved $1,000 in six months. Your agencies need to wake up; most people will shop online for the best deals.

Albert

Verified Review

Honest and Reliable

Reviewed in Florida on September 17, 2026

Quick and efficient response to claims. Honest and detailed advice on claims.

Barbara

Verified Review

Service Was Okay, but the Rates Made Me Switch to a Cheaper Option

Reviewed in Michigan on September 17, 2026

The rates are ridiculously high. I don’t know how people can afford Michigan car insurance rates. It feels like a rip-off for consumers.

J.D. Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

AM Best

AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm’s local agent model translates into car insurance coverage that feels tailored to your specific needs. The insurer earns high marks for customer service and claims handling. That said, the company doesn’t offer many tailored options, including those important to GT-R drivers, such as OEM, custom parts, and new car replacement.

Pros

• High customer and claims satisfaction ratings

• Personalized service from local agents

• Agreed-value coverage available

Cons

• Gap insurance available only with in-house financing

• New car replacement or OEM coverage not available

• New policies not available in Massachusetts and Rhode Island

Compare Quotes

User Reviews	3.7 586 reviews
Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components.	4.5 /5
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$93/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$156/mo

Details

3.7

A solid optionBased on 586 verified guest reviews and ratings

	Allstate's score	Industry average
Coverage options	4.3	3.2
Customer service	4.3	3.6
Discounts	4.4	2.9
Policy transparency	4.2	3.1
Value	4.1	2.9

How drivers feel about Allstate

Customers appreciate the insurer's efficient service and knowledgeable agents but find the consistently rising rates and lack of communication to be major drawbacks.

AI-generated from the text of verified reviews collected by Compare.com

Showing recent national reviewsSee all 219 Allstate reviews

Michael

Verified Review

Insurance Scam Company!

Reviewed in Colorado on September 18, 2026

Allstate Insurance is a terrible company to work with. They want profit without risk. Insurance is a necessary product for home and auto coverage. Allstate will cancel a policyholder even without any claims and leave them holding the bag.

Donald

Verified Review

Sucker

Reviewed in New Jersey on September 15, 2026

High rates.

George

Verified Review

GTT policy

Reviewed in Connecticut on September 14, 2026

It’s OK, but since I haven’t had any accidents or tickets, it should be way less than what I pay. Same with the house policy.

J.D. Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

636

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.02

AM Best

AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A-

Why we picked this company

Allstate provides a wider range of coverage options than the previous companies, including gap insurance, deductible rewards, and custom parts coverage. But it trails competitors in terms of customer and claims service, and its Android app isn’t as strong as some competitors.

Pros

• Accident forgiveness and gap insurance available

• Offers specialized parts and agreed-value coverages

• Highly rated mobile app

Cons

• Customer satisfaction varies by region

• Lower-than-average claims satisfaction rating

• OEM parts coverage not available

Nissan GT-R Insurance Rates by Model Year

Your GT-R’s model year affects your car insurance. Newer cars are worth more and cost more to repair, so premiums tend to run higher for newer models.

The following table shows average monthly premiums by GT-R model year, based on our data.

Nissan GT-R Insurance Rates by State

Car insurance premiums also vary based on where you live. Factors like local weather, state-minimum insurance laws, and population density all play a role.

For a high-value vehicle like the GT-R, local vandalism and theft rates also contribute to local rates.

The map below shows average monthly rates for the GT-R by state, according to Compare.com data.

Nissan GT-R Insurance Rates by Driver Age

Because age directly affects driving experience, teenagers tend to pay much more for car insurance — especially if they’re behind the wheel of a high-value vehicle like a GT-R. But fortunately, as drivers gain experience and maintain a clean record, rates tend to go down.

Here are the average monthly costs for GT-R drivers in different age groups, according to our research.

Age Group	Average Monthly Premium
Teens	$380
Adults	$198
Seniors	$170

We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .

Cheapest Nissan GT-R car insurance for teens and drivers younger than 25

If you’re a teenager who drives a GT-R, be prepared to pay more for insurance. Premiums are high for young drivers because teens have the highest accident rates and are much more likely to be involved in fatal crashes than adults.^[1]

Here’s a look at the cheapest insurance companies for GT-R drivers, according to our data.

Cheapest Nissan GT-R car insurance for seniors

Seniors generally have the lowest rates of traffic accidents and fatalities, so they also have the lowest car insurance premiums of any age group. Even behind the wheel of a powerful GT-R, seniors tend to drive fewer miles and take fewer risks.^[2]

Here’s what insurance costs look like for older GT-R drivers across top companies, based on our data.

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Nissan GT-R Insurance Rates by Driving Record

Your driving record plays a huge role in your car insurance rates. Tickets, accidents, or driving under the influence (DUI) can label you as a higher risk and raise your premiums quickly.^[3]

But comparing quotes from multiple insurance companies could help you find a lower rate. Some insurers even specialize in helping drivers with accidents, tickets, or serious violations.​

Here’s how much driving record affects rates for GT-R drivers, based on Compare.com data.

Driving Record	Average Monthly Premium
Clean record	$198
Speeding ticket	$265
At-fault accident	$283
DUI	$333

We sourced this data by analyzing real quotes from Compare.com's 100-plus partner insurance companies alongside rate filings collected and distributed by Quadrant Information Services. Actual quotes may vary. Data updated on .

Cheapest Nissan GT-R insurance for drivers with a speeding ticket

Speeding isn’t just about breaking the law. It puts you and others at risk. When you speed, your chances of losing control increase, your car takes longer to stop, and crashes become more severe.

That’s why insurers hit you with higher rates if you get caught driving above the speed limit. Speeding is linked to about one-third of all traffic deaths, and it’s a huge red flag for insurance companies.^[4] It even leads to an average rate increase of more than 30%.

Here are the cheapest companies for a GT-R driver with a speeding ticket, based on our research.

Cheapest Nissan GT-R insurance for drivers with an accident 

If you cause an accident, your insurer views you as a higher risk and increases your rate. That’s because getting into a crash tells your insurance company you may file costly claims in the future.​

That said, you can often limit the damage by switching insurance companies — especially if you opt for one that specializes in drivers with less-than-perfect records.

With that in mind, here are the cheapest insurers for GT-R drivers with a recent at-fault accident.

Cheapest Nissan GT-R insurance for drivers with a DUI

If you get a DUI, insurance companies take notice, and for good reason. Even a small amount of alcohol can mess with your reaction time, judgment, and ability to drive safely. And once your blood alcohol content hits .08%, your odds of crashing jump dramatically.^[5]

Insurers are aware of this, which is why a single DUI conviction means a sharp increase in your car insurance bill. You may also need to file an SR-22 or FR-44 form with the state — a requirement that some insurers charge extra for.

The following chart shows the cheapest insurers for GT-R drivers with DUIs on their records, based on our research.

Deep Dive: What Affects Nissan GT-R Car Insurance Rates?

Like most vehicles, the Nissan GT-R’s design, specs, and features can influence car insurance costs. Here’s what insurers care about most:

• Car value: The GT-R comes with a high sticker price, and even after five years, its depreciated value can run upward of $50,000.^[6]

• Engine size: The GT-R’s high horsepower pushes it into the supercar category, often signaling a higher risk to insurers.^[7]

• Repair costs: Repairing a high-performance vehicle often requires specialty parts, which can lead to increased insurance costs.

• Classification: Luxury vehicles sometimes require repairs from specialized shops that typically use high-end finishes, which can also drive up claim costs.

How to Get Cheaper Car Insurance for Your Nissan GT-R

Here are five tried-and-true methods for getting cheaper car insurance for your Nissan GT-R:

• Use theft deterrents. Installing alarm systems and other deterrents can lower insurance premiums.

• Increase deductibles. Higher deductibles lower your insurer’s risk and your insurance costs. Just make sure you can afford the extra expense if you file a claim.

• Take a driver safety course. Completing an approved driver training course earns you a discount from many insurers.

• Enroll in telematics. Allow insurers to track your driving habits, and you can earn a considerable telematics discount for good driving.

• Compare rates. Gather insurance quotes from reputable insurers and compare policies regularly to ensure you always have the best policy.

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Nissan GT-R Auto Insurance FAQs

When you drive a high-value vehicle like a GT-R, you want to be sure you’re getting the best coverage for your money. Here are answers to some common questions to help you find coverage that’s right for you.

Is the Nissan GT-R expensive to insure?

Yes. The Nissan GT-R is significantly more expensive to insure than the average car. While the national average car insurance premium is about $163 per month, GT-R drivers with a clean driving record generally pay around $198 per month, according to Compare.com data. That’s over $30 more each month.

What’s the cheapest insurance company for a Nissan GT-R?

USAA consistently offers some of the most affordable GT-R insurance rates, but its coverage is only available to members of the military community and their families.

For most people, the cheapest option is State Farm. It’s widely known for its competitive premiums, availability across all 50 states, and strong reputation for customer satisfaction and claims handling.

How much is car insurance for a 2024 Nissan GT-R?

The average rates for a 2024 GT-R are $354 per month for full coverage and $124 per month for liability, according to Compare.com data.

What’s the cheapest Nissan to insure?

Compare.com data shows that the Rogue is the cheapest Nissan model to insure. Its average rate is just $141 per month.