How Much Does It Cost to Insure a Nissan GT-R?

Last Updated on September 22, 2023

The Nissan GT-R is a popular vehicle. It also comes with higher-than-average insurance premiums.

According to our research, the average Nissan GT-R owner in the United States pays around $2,511 per year for full coverage car insurance, or over $300 per month.

Fortunately, you can save money on Nissan GT-R insurance by comparing quotes, shopping around, and taking advantage of discounts. Keep reading to find out everything you need to know about the cost of insuring a Nissan GT-R.

Table of Contents:

It costs $2,511 Per Year, On Average, to Insure a Nissan GT-R

According to our analysis, it costs the average driver in the United States around $2,511 per year to insure a Nissan GT-R.

You could pay significantly higher or lower rates, however, based on many factors. High-risk Nissan GT-R owners – including younger drivers or drivers with an at-fault accident on their record – could pay over $5,000 per year for insurance, while safer drivers in certain states pay under $1,500 per year for Nissan GT-R insurance.

Your Nissan GT-R model year also impacts quotes. A newer Nissan GT-R has the highest insurance premiums, on average, while older Nissan GT-R models have cheaper premiums.

Some insurance companies also welcome Nissan GT-Rs into their insurance pool to balance the pool. Other insurance companies, meanwhile, dissuade Nissan GT-R owners by charging comparatively high rates.

What Influences the Cost of Nissan GT-R Insurance?

You could pay significantly higher or lower rates for Nissan GT-R insurance based on many factors. Insurance companies consider hundreds of factors when calculating premiums – including everything from your ZIP code to the number of speeding tickets you have received in the last year.

Here are some of the factors insurers consider when calculating the cost of Nissan GT-R insurance:

ZIP Code: Where do you park your Nissan GT-R most nights of the week? Insurers consider your location, local crime rates, and local accident rates when calculating premiums. On higher-end vehicles, including the Nissan GT-R, insurers may also consider the area where you park. Do you park your Nissan GT-R in a locked garage? Is it parked indoors? Or is it parked uncovered on the street? Based on all of these factors, you could pay more or less for Nissan GT-R insurance.

Commuting Versus Pleasure Use: Do you use your Nissan GT-R as a daily driver? Or do you use it for pleasure? Do you exclusively drive your Nissan GT-R on weekends in the summer? Or do you drive it to work every day? The average American drives around 14,000 miles per year. If you drive your Nissan GT-R significantly less than that amount, you could save money on car insurance.

Model Year: Generally, newer Nissan GT-R models have more value and fewer miles than older Nissan GT-R. The older your vehicle is, the cheaper it will be to insure, all else being equal. A newer model year Nissan GT-R could cost over $4,000 per year to insure, while an older Nissan GT-R could cost under $1,500.

Insurance Company: Our research shows USAA offers the lowest prices on Nissan GT-R insurance. However, USAA membership is restricted to military personnel and certain qualifying family members. If you want cheap Nissan GT-R insurance, then shop around. The cheapest Nissan GT-R insurance company in Maine could be different than the cheapest Nissan GT-R insurance company in California. Generally, companies like USAA, State Farm, and GEICO are among the cheapest for Nissan GT-R insurance.

Discount Availability: You could qualify for significant discounts with your Nissan GT-R. Some companies offer low mileage discounts, for example, while others offer theft prevention or safety system discounts.

Driver Age & History: Do you have an at-fault accident on your record? Most insurers increase premiums by 50% or more. Even a speeding ticket or other minor violation could increase Nissan GT-R insurance premiums by 10% to 20%. Insurers also care about your age and the time you’ve been driving. That’s why a teenage Nissan GT-R driver pays more than $7,000 per year for full coverage car insurance, on average, while an older Nissan GT-R driver pays closer to $2,000 per year.

Coverage Limits: Most Nissan GT-R drivers carry full coverage car insurance to protect the full value of their vehicle. However, some drivers carry higher liability limits, while others carry minimum liability protection. Depending on your insurance coverage, you could pay significantly more or less for Nissan GT-R insurance.

State Insurance Requirements & Local Laws: States with no-fault insurance systems – including Florida and Michigan – tend to have higher insurance premiums. States with weaker insurance requirements – like North Carolina and Idaho – tend to have cheaper insurance premiums. In fact, our research shows Nissan GT-R drivers in Florida pay over $4,300 per year, on average, while Nissan GT-R owners in Maine pay under $1,600 per year.

Best Insurance Companies for Nissan GT-R Owners

If you drive a Nissan GT-R, then you could pay significantly higher or lower rates based on your insurance company. Some insurers charge exorbitant amounts for Nissan GT-R insurance because they see it as a high-risk vehicle. Other insurers welcome Nissan GT-R owners into their pool as a way to balance risk.

The average Nissan GT-R in the United States pays around $2,511 per year for car insurance. To calculate this number, we requested quotes in all 50 states from dozens of major insurers. We also used multiple model driver profiles, ranging from teenagers to older adults to low-risk and high-risk drivers.

Here are some of the best insurance companies for Nissan GT-R owners, according to our research:

  1. USAA
  2. GEICO
  3. State Farm
  4. Nationwide
  5. Erie
  6. Farmers
  7. American Family
  8. Mercury

Compare insurance quotes in your area to determine the best Nissan GT-R for your location.

Final Word on Nissan GT-R Insurance

With a list price of around $99,000, the Nissan GT-R is a higher-end vehicle with costlier insurance premiums. According to our research, the average Nissan GT-R driver in the United States pays around $2,511 per year for car insurance.

However, you could pay much more or less than average based on your driving history, age, state, ZIP code, and hundreds of other factors.

To find the best and cheapest Nissan GT-R insurance for your needs, compare quotes in your area today.

James Shaffer
James Shaffer James Shaffer is a writer for and a well-seasoned auto insurance industry veteran. He has a deep knowledge of insurance rules and regulations and is passionate about helping drivers save money on auto insurance. He is responsible for researching and writing about anything auto insurance-related. He holds a bachelor's degree from Bentley University and his work has been quoted by NBC News, CNN, and The Washington Post.
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