1. Vehicles
  2. Nissan
  3. Cube
  4. 2012 Model Year

2012 Nissan Cube Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Mar 18, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 2012 Nissan Cube are $1,106 a year including full coverage. Comprehensive insurance costs approximately $196 each year, collision insurance costs $292, and liability insurance costs around $460. Buying a liability-only policy costs as low as $510 a year, and high-risk insurance costs $2,382 or more. Teen drivers receive the highest rates at up to $4,358 a year.

Annual premium for full coverage: $1,106

Rate estimates for 2012 Nissan Cube Insurance

Comprehensive $196
Collision $292
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2012 Nissan Cube models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range range from as low as $510 for only liability insurance to a high rate of $2,382 for a driver that may need high-risk insurance.

Liability Only $510
Full Coverage $1,106
High Risk $2,382

View Chart as Image

2012 Nissan Cube insurance rates compared
Column chart showing 2012 Nissan Cube insurance prices range from $661 to $4,358 for full coverage

These differences highlight why all drivers should compare prices using their specific location and risk profile, rather than relying on price averages.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2012 Nissan Cube Insurance

Searching Companies

Overwhelmed by the dozens of car insurance companies? Many other consumers are too. You have so many choices that it can be a real hassle to find the lowest price.

Consumers should take time to compare rates occasionally since insurance rates change frequently. Even if you think you had the best price for Cube coverage two years ago you will most likely find a better rate today. You’ll find quite a bit of inaccurate information about car insurance on the internet, so we’re going to give you a lot of great tips on how to buy car insurance cheaper.

If you are paying for car insurance now, you will be able to cut costs considerably using these techniques. This information will help you learn how car insurance quotes work and some money-saving tips. But consumers need to have an understanding of how companies price online insurance and apply this information to your search.

Policy discounts you shouldn’t miss

Car insurance can cost a lot, but you may find discounts that you may not know about. Most are applied when you get a quote, but some must be specially asked for prior to receiving the credit.

  • Life Insurance Discount – Companies who offer life insurance give a break if you buy life insurance from them.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy qualifies for this discount.
  • Discount for Swiching Early – A few companies offer discounts for buying a policy before your current expiration date. The savings is around 10%.
  • Accident Forgiveness – A handful of insurance companies will forgive one accident before hitting you with a surcharge if you are claim-free for a set time period.
  • Employee of Federal Government – Active or retired federal employment could cut as much as 10% off for Cube coverage with select insurance companies.

A little note about advertised discounts, some of the credits will not apply the whole policy. Most cut specific coverage prices like liability and collision coverage. Just because it seems like you can get free auto insurance, companies don’t profit that way. But all discounts will reduce the cost of coverage.

Car insurance companies that may have some of the above discounts are:

Before buying, ask each company which discounts they offer. Savings may not apply everywhere.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Insurance agents can help

When choosing adequate coverage, there is no “perfect” insurance plan. Every insured’s situation is different.

Here are some questions about coverages that may help you determine whether you would benefit from professional advice.

  • Do I need medical payments coverage since I have good health insurance?
  • Where can I find high-risk insurance?
  • How much liability insurance is required?
  • If my 2012 Nissan Cube is totaled, can I afford another vehicle?
  • What if I don’t agree with a claim settlement offer?
  • Is upholstery damage covered by car insurance?
  • Is my dog or cat covered if injured in an accident?
  • Can I get a multi-policy discount for packaging my home and auto coverage?
  • What is UM/UIM insurance?
  • What is the difference between comprehensive and collision coverage?

If you’re not sure about those questions but a few of them apply, you may need to chat with a licensed agent. If you want to speak to an agent in your area, take a second and complete this form.

Coverage specifics

Knowing the specifics of a insurance policy helps when choosing the right coverages for your vehicles. Policy terminology can be difficult to understand and coverage can change by endorsement.

Coverage for medical expenses

Personal Injury Protection (PIP) and medical payments coverage reimburse you for bills for things like surgery, nursing services, ambulance fees and dental work. They are often utilized in addition to your health insurance program or if you do not have health coverage. Medical payments and PIP cover both the driver and occupants as well as being hit by a car walking across the street. Personal injury protection coverage is only offered in select states and gives slightly broader coverage than med pay

Coverage for uninsured or underinsured drivers

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for injuries to you and your family and damage to your Nissan Cube.

Since a lot of drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is a good idea. Most of the time your uninsured/underinsured motorist coverages are similar to your liability insurance amounts.

Comprehensive insurance

Comprehensive insurance coverage pays to fix your vehicle from damage that is not covered by collision coverage. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive coverage pays for claims such as fire damage, vandalism and a broken windshield. The most a insurance company will pay at claim time is the actual cash value, so if the vehicle is not worth much consider dropping full coverage.

Auto liability

Liability coverage can cover damage or injury you incur to other’s property or people in an accident. This insurance protects YOU against claims from other people, and does not provide coverage for your own vehicle damage or injuries.

It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. You might see policy limits of 100/300/100 which stand for a $100,000 limit per person for injuries, a per accident bodily injury limit of $300,000, and a limit of $100,000 paid for damaged property. Another option is a combined limit that pays claims from the same limit with no separate limits for injury or property damage.

Liability coverage protects against claims like funeral expenses, repair costs for stationary objects and structural damage. How much coverage you buy is a personal decision, but buy higher limits if possible.

Coverage for collisions

Collision insurance will pay to fix damage to your Cube from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible then your collision coverage will kick in.

Collision coverage protects against things such as sustaining damage from a pot hole, scraping a guard rail and rolling your car. This coverage can be expensive, so consider removing coverage from older vehicles. Drivers also have the option to bump up the deductible to save money on collision insurance.

In conclusion

When you buy insurance online, it’s a bad idea to reduce needed coverages to save money. In many cases, an insured cut liability coverage limits and learned later that they should have had better coverage. The proper strategy is to get the best coverage possible at a price you can afford while still protecting your assets.

Cheap 2012 Nissan Cube insurance can be bought online and with local insurance agents, and you need to price shop both to have the best selection. There are still a few companies who do not offer online price quotes and these smaller companies work with independent agents.

Drivers who switch companies do it for a variety of reasons including delays in responding to claim requests, extreme rates for teen drivers, denial of a claim or even policy non-renewal. It doesn’t matter what your reason, switching insurance coverage companies can be pretty painless.

Additional insurance coverage information is available at these links:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2012 Nissan Cube Insurance Rates by City
City Premium
New York City, NY $1,746
Los Angeles, CA $1,890
Philadelphia, PA $1,478
Jacksonville, FL $1,605
Phoenix, AZ $1,285
Chicago, IL $1,480
Houston, TX $1,732
Seattle, WA $1,079
Columbus, OH $924
Indianapolis, IN $940

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2012 Nissan Cube Insurance Rates by Driver Age
Driver Age Premium
16 $4,358
20 $2,536
30 $1,132
40 $1,106
50 $1,012
60 $992

Full coverage, $500 deductibles

Rates by Deductible

2012 Nissan Cube Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,316
$250 $1,220
$500 $1,106
$1,000 $996

Full coverage, driver age 40

Rates by Liability Limit

Nissan Cube Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,106
50/100 $1,198
100/300 $1,313
250/500 $1,612
100 CSL $1,244
300 CSL $1,497
500 CSL $1,681

Full coverage, driver age 40

Rates for High Risk Drivers

2012 Nissan Cube Insurance Rates for High Risk Drivers
Age Premium
16 $6,160
20 $4,038
30 $2,412
40 $2,382
50 $2,278
60 $2,256

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $150

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $57
Multi-vehicle $59
Homeowner $19
5-yr Accident Free $71
5-yr Claim Free $70
Paid in Full/EFT $43
Advance Quote $50
Online Quote $76
Total Discounts $445
Rate after discounts $661

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2012 Nissan Cube Insurance Rates by State
State Premium
Alabama $1,002
Alaska $848
Arizona $918
Arkansas $1,106
California $1,260
Colorado $1,058
Connecticut $1,138
Delaware $1,252
Florida $1,384
Georgia $1,020
Hawaii $792
Idaho $748
Illinois $822
Indiana $832
Iowa $744
Kansas $1,050
Kentucky $1,510
Louisiana $1,634
Maine $682
Maryland $912
Massachusetts $884
Michigan $1,920
Minnesota $926
Mississippi $1,322
Missouri $980
Montana $1,186
Nebraska $872
Nevada $1,328
New Hampshire $798
New Jersey $1,238
New Mexico $980
New York $1,164
North Carolina $636
North Dakota $904
Ohio $764
Oklahoma $1,136
Oregon $1,012
Pennsylvania $1,056
Rhode Island $1,476
South Carolina $1,002
South Dakota $934
Tennessee $968
Texas $1,332
Utah $820
Vermont $756
Virginia $662
Washington $856
West Virginia $1,012
Wisconsin $766
Wyoming $986

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles