Nissan car insurance

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Nissan vehicles are a great choice for Canadians. Known for its reliability, affordability, and leadership in the electric vehicle space, this Japanese brand is also one of the biggest car manufacturers in North America. If you’ve just bought a Nissan—or are thinking about it—you’ll want to make sure you have the right Nissan car insurance to protect it. That’s where BrokerLink can help!

BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.

What is Nissan car insurance?

Nissan car insurance is a contract between you and an insurance company to protect your Nissan. You pay a regular premium fee, and in return, they step in to help cover the costs if your car gets damaged in an accident or from things like theft or vandalism. Here's what it can cover:

Costs for property damage or injuries to others, including legal fees
Repairs or replacement for damage to your car or someone else’s
Medical bills or even funeral expenses from accident-related injuries

Exactly what's covered depends on your province’s rules and any extra coverage you choose to add to your policy.

Why you need Nissan auto insurance

Car insurance is a must for drivers across Canada, but the type and amount of coverage you need depend on where you live.

Every province requires basic coverage, like third-party liability and accident benefits. The minimum liability coverage varies—most provinces require $200,000, while Quebec only asks for $50,000, and Nova Scotia sets the bar higher at $500,000. Despite this, many opt for higher limits such as $1 or $2 Million in third-party liability coverage.

In many provinces, you’ll also need uninsured motorist coverage. If you’re in a no-fault province like Ontario or Alberta, you might also need direct compensation-property damage coverage.

Types of Nissan car insurance coverage

When you buy a Nissan, whether it's an SUV or a two-door sports car like the Nissan 370Z, you’ll need an auto insurance policy to go with it. Insurance policies come with a mix of mandatory and optional types of coverage, so you’ll need to decide which optional ones (if any) you want to add, along with how much coverage to get for each type.

To make things easier, we’ve highlighted the most common Nissan coverages below.

Recommended

Additional

Third-party liability car insurance is there to protect you if you’re responsible for an accident. It can cover a variety of expenses, like medical bills for injuries, repair costs for damaged vehicles, and even legal fees if you need representation in court.

[Not mandatory in Newfoundland] Accident benefits kick in if you, a passenger, or even a pedestrian, need medical care after a collision. It doesn’t matter who’s at fault—you can still get financial help from your insurance provider to cover the costs. Just keep in mind that there are limits to what’s covered, and each policy has a set coverage amount.

[Not mandatory in Ontario] If you’re in an accident that’s not your fault, direct compensation coverage can help with the costs. With this coverage, you file a claim directly with your own insurance company to get compensated. It’s mandatory in some provinces, so check what’s required where you live.

[Not mandatory in Alberta] Uninsured automobile coverage has your back if you’re in an accident caused by a driver who doesn’t have enough insurance—or none at all. It also covers you and your passengers if you’re involved in a hit-and-run where the other driver takes off. This coverage is a smart way to protect yourself and your Nissan.

Collision coverage is optional, but it's a popular type of coverage and a great add-on for Nissan drivers. It helps protect you if you’re in an accident with another vehicle or hit a stationary object on the road.

Comprehensive coverage is another popular optional coverage that protects your Nissan from things like vandalism, fire, theft, or water damage. Basically, it’s there for damage caused by anything other than a car accident. This is commonly referred to as “parked car insurance".

One final type of optional car insurance coverage popular among Nissan drivers is accident forgiveness. Accident forgiveness is additional coverage that can be added to your car insurance policy as an endorsement to protect your driving record and to help prevent your insurance premium from increasing if you have an at-fault accident claim. Note: coverage varies by province

If you're buying a new car, adding this coverage to your policy is worth considering. It ensures you're covered for the full value of your vehicle without factoring in depreciation. That means if your car is stolen or totalled, you'll be reimbursed for the cost of a brand-new vehicle—not just what it's worth after wear and tear.

If you ever get into an accident and your car needs repairs, loss of use coverage has your back. While your car is in the shop, this coverage helps pay for other ways to get around—whether that's hopping on public transit, using ride shares, or renting a car. It can be a real lifesaver, especially if your car ends up being out of commission for days or even weeks.

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How to save money on Nissan auto insurance

Auto insurance can be pricey, but it’s essential to protect yourself from paying for property damage and other costs out of pocket. The good news? Many drivers don’t realize that insurance companies offer a variety of discounts that could help you save. Here are some tips to lower your Nissan car insurance costs:

Discounts

Keep a safe driving record

Insurance companies offer lower rates to drivers they see as low-risk. That means fewer claims and no traffic tickets. Since insurance is like a financial safety net, providers take on risk when they insure you. That’s why safe driving matters! If you keep a clean record and build at least six years of accident-free driving experience, many insurers will reward you with better rates.

Bundle policies

If you’re in the market for property insurance—like homeowners or tenant insurance—think about bundling it with your auto insurance. Combining these policies can lead to big savings. You might also be able to bundle your car insurance with recreational vehicle insurance if you own something like a snowmobile or ATV.

Attend a driving school

If you’re a young driver wanting to lower your insurance premium, think about enrolling in driving school. Professional instruction can boost your confidence, make you a safer driver, and help you save on car insurance.

Use winter tires

Putting winter tires on your Nissan is a smart way to save on car insurance in many parts of Canada. Winter tires are designed for better traction on snow and ice, making them a safer choice for winter driving. Many insurance companies reward this safety upgrade with a winter tire discount—sometimes up to 5% off your premium.

Choose a hybrid or electric

Many insurance companies across Canada offer discounts to drivers of hybrid or electric vehicles. If you’re looking to lower your car insurance costs, consider investing in one of Nissan’s eco-friendly options, like the Nissan LEAF or the Nissan Ariya. These vehicles may make you eligible for discounts of up to 10% on your Nissan car insurance.

Savings Options

Increase your deductible

Did you know that the higher your deductible, the lower your insurance premiums? It's true. So, if you want to save on your car insurance, think about opting for a higher deductible. Just make sure it's one you can afford if you end up needing to file an insurance claim.

Ask about discounts

Talk to an insurance broker or agent about car insurance discounts that might work for you. There are plenty of discounts available, and insurers are always updating and adding new ones.

Work with an insurance broker

Finally, one of the best ways to save on your Nissan insurance is by working with a licensed broker. Brokers have access to multiple insurance providers, so they can help you compare quotes, find discounts you qualify for, and customize your policy to ensure you’re not paying for coverage you don’t need.

Insure all cars together

If you have more than one car, bundling your car insurance policies with the same provider can save you money. For example, if you have a second vehicle for your spouse or adult child, insuring both together could get you a multi-car discount of 15% to 20% on each car’s insurance.

Pay annually

If it fits your budget, it’s always a good idea to pay for your car insurance annually instead of monthly. Monthly payments usually include administrative fees, which can add up and cost you more in the long run.

Improve your driving habits

Many car insurance companies now offer apps that monitor your driving habits and reward safe driving with extra discounts. By sharpening your skills behind the wheel, you could save up to 25% on your Nissan car insurance.

Factors that affect Nissan car insurance rates

When calculating your insurance premium, insurers look at a variety of factors. Things like your age, location, driving history, and claims record all play a role in determining your rate. If you drive a Nissan, it’s helpful to know what can impact what you pay. Here are some of the most common factors that influence car insurance costs:

Driving record

Your driving history, including your experience and record, plays a big part in your car insurance rate. If you’re a newer driver, like many young people, you’ll likely pay more for insurance. But simply having years of experience isn’t enough to lower your premium—you’ll also need a clean driving record.

A spotless record shows you’re a safe and responsible driver. But if your record includes speeding tickets, DUIs, demerit points, or accidents, your insurance costs are likely to go up since insurers see you as a higher risk.

Where you live

Where you live and drive your Nissan plays a big role in your insurance rate. If you live and commute in a busy Canadian city, your rates might be higher because more traffic means a higher risk of accidents. On the other hand, living in a rural area could mean lower insurance costs. Insurers also consider factors like if your neighbourhood is known for having a higher crime rate or car thefts.

Your age and experience

Your age and experience can also affect your car insurance rates. For example, since younger drivers have less experience on the road, insurance companies usually charge them higher premiums compared to more experienced drivers.

Which Nissan vehicle you drive

The Nissan model you choose, like a Nissan Murano or Nissan Versa—and whether it’s new or used—can affect your car insurance rate. Typically, the more expensive the vehicle, the higher the insurance cost. Adding custom trims or upgrades can also drive up your premium. If you’re looking to save on insurance, consider going for one of Nissan’s more affordable models or opting for an older, used Nissan instead of a brand-new one.

Your annual mileage

How often you drive your Nissan can impact your insurance costs. If you only hit the road a few times a week, your risk of accidents is lower, which could mean a cheaper premium. On the other hand, if you drive more than average—especially at night, on highways, or during rush hour—your chances of an accident increase, and so might your insurance rate.

Contact BrokerLink today

If you're shopping for Nissan car insurance before buying your first car or it’s time to renew your current policy, BrokerLink is here to help. Our insurance brokers will work with you to find the best coverage for your insurance needs.

Our team of expert insurance advisors is always available to share their knowledge and resources. Whether you need help understanding your province’s mandatory coverage, want free Nissan car insurance quotes, or are looking for tips on saving money, we’re here to guide you every step of the way.

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FAQs

Have questions? Our FAQ section has the answers you're looking for. Find helpful information to guide you through your options.

Can I renew my expired car insurance?

It depends on how long it's been expired. If you notice immediately after, you'll likely still be able to renew it. Some insurance companies offer a grace period, which is commonly between 14 and 30 days after your insurance expires. However, if it's past the grace period, you will likely have to start over and reapply for a new car insurance policy. Just keep in mind that now that you have a lapse in coverage on your record, the insurance company will likely raise your premium.

What do I need to do to register my car in Canada?

To register your car in Canada, you’ll need a driver's licence, proof of vehicle ownership, and proof of car insurance—and your insurance has to meet your province or territory’s specific requirements. Each region has its own rules for minimum coverage, so it’s important to make sure you’re properly covered. Not sure what’s mandatory in your province? Reach out to a local car insurance broker for guidance.

How much is car insurance per month in Ontario?

Car insurance per month in Ontario costs around $150 a month or $1,796 annually, depending on where you live. However, how much you'll pay specifically depends on several factors, like your personal driving history, the type of vehicle you drive, your personal details, and your claims history. To find out how much you'll pay per month in Ontario for car insurance, it's best to request multiple quotes from several insurance companies or work with an insurance broker.

Can I renew my expired car insurance?

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Nissan car insurance

What is Nissan car insurance?

Why you need Nissan auto insurance

Types of Nissan car insurance coverage

Third party liability coverage

Accident benefits coverage

Direct compensation coverage

Uninsured automobile coverage

Collision coverage

Comprehensive coverage

Accident forgiveness coverage

Waiver of depreciation

Loss of use coverage

Third party liability coverage

Accident benefits coverage

Direct compensation coverage

Uninsured automobile coverage

Collision coverage

Comprehensive coverage

Accident forgiveness coverage

Waiver of depreciation

Loss of use coverage

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