1. Vehicles
  2. Nissan
  3. Cube
  4. 2013 Model Year

2013 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 2013 Nissan Cube are $1,144 a year for full coverage insurance. Comprehensive insurance costs an estimated $210 a year, collision insurance costs $316, and liability insurance costs around $460. Buying a liability-only policy costs as low as $510 a year, and high-risk insurance costs $2,466 or more. Teen drivers receive the highest rates at up to $4,480 a year.

Annual premium for full coverage: $1,144

Rate estimates for 2013 Nissan Cube Insurance

Comprehensive $210
Collision $316
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2013 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 just liability coverage to a high of $2,466 for a driver that may need high-risk insurance.

Liability Only $510
Full Coverage $1,144
High Risk $2,466

View Chart as Image

2013 Nissan Cube insurance rates compared
Column chart showing 2013 Nissan Cube insurance prices range from $681 to $4,480 for full coverage

These differences illustrate why it is important for drivers to compare prices for a targeted area 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 2013 Nissan Cube Insurance

Searching Companies

Want the cheapest car insurance rates for your Nissan Cube? Sick and tired of scraping the payment together each month for car insurance? You are in the same boat as many other drivers.

Many insurers vie to insure your vehicles, so it’s not easy to compare every insurer to find the lowest cost out there.

If you currently have a car insurance policy, you will most likely be able to cut costs considerably using these tips. Finding affordable coverage is not rocket science. Nevertheless, drivers can benefit from knowing how the larger insurance companies price online insurance because it can help you find the best coverage.

How to Compare Insurance Coverage Rates

There are several ways you can shop for Nissan Cube insurance coverage and some are more efficient than others. You can waste a lot of time driving to insurance companies in your area, or you can stay home and use the web to get the quickest rates.

Most of the larger companies participate in an industry program where prospective buyers enter their coverage request one time, and at least one company then returns a price quote based on that data. This saves time by eliminating quote requests to each individual insurance coverage company. To compare 2013 Nissan Cube rates now click here (opens in new window).

The single downside to getting quotes like this is that consumers can’t choose which providers to get quotes from. If you wish to select from a list of companies to compare, we put together a list of the cheapest insurance coverage companies in your area. Click to view list.

It’s up to you how you get prices quotes, just be sure to compare identical coverage limits and deductibles on every quote. If you compare different values for each quote it will be very difficult to make a fair comparison for your Nissan Cube. Slightly different coverages can make a big difference in price. And when price shopping your coverage, comparing more company’s prices gives you a better chance of getting lower pricing.

Companies offer discounts so take them!

Auto insurance companies do not advertise all available discounts very clearly, so the following is a list of some of the more common and also the lesser-known savings tricks you should be using.

  • Homeowners Savings – Owning a house may earn you a small savings due to the fact that maintaining a home shows financial diligence.
  • Life Insurance – Some companies give a break if you buy a life insurance policy as well.
  • Theft Prevention Discount – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • Paperwork-free – A few companies will discount your bill up to fifty bucks for buying a policy and signing up over the internet.
  • Student in College – Kids in college who are attending college and do not have a car may be able to be covered for less.
  • Use Seat Belts – Buckling up and requiring all passengers to use their safety belts could cut 10% or more on the medical payments or PIP coverage costs.
  • 55 and Retired – If you’re over the age of 55, you may qualify for a small decrease in premiums for Cube insurance.
  • Lower Rates for Military – Being on active duty in the military can result in better rates.

It’s important to understand that some of the credits will not apply to the entire policy premium. A few only apply to individual premiums such as medical payments or collision. So even though it sounds like all the discounts add up to a free policy, companies wouldn’t make money that way.

To see a list of insurance companies with the best insurance discounts, follow this link.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Do I just need basic coverages?

When choosing coverage for your personal vehicles, there is no cookie cutter policy. Every insured’s situation is different so your insurance needs to address that. For example, these questions might point out if your insurance needs may require specific advice.

  • Does my medical payments coverage pay my health insurance deductible?
  • Is a new car covered when I drive it off the dealer lot?
  • Does my 2013 Nissan Cube need full coverage?
  • What is high-risk coverage and where do I buy it?
  • What are the financial responsibility laws in my state?
  • What can I do if my company denied a claim?
  • Do I really need UM/UIM coverage?
  • Are rental cars covered under my policy?
  • What vehicles should carry emergency assistance coverage?
  • When should I drop full coverage on my 2013 Nissan Cube?

If you’re not sure about those questions but you think they might apply to your situation, you might consider talking to a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Nissan Cube rate determination is complex

An important part of buying insurance is that you know the factors that play a part in calculating the rates you pay for car insurance. Knowing what impacts premium levels enables informed choices that will entitle you to lower car insurance prices.

Shown below are some of the factors car insurance companies consider when setting prices.

  • Pleasure use saves money – Driving more miles every year the more you will pay for car insurance. The majority of insurers charge to insure your cars based upon how you use the vehicle. Autos used primarily for pleasure use get more affordable rates than those used for commuting. Having the wrong rating on your Cube may be costing you. Double check that your car insurance coverage shows the proper vehicle usage.
  • Do you need the policy add-ons? – There are a ton of add-on coverages that you can get tricked into buying if you aren’t careful. Coverages like personal injury protection, accidental death and additional equipment coverage are examples of these. These coverages may sound good initially, but now you might not need them so get rid of them and save.
  • Lower rates come with age – Young drivers are known to be more careless when behind the wheel so they pay higher car insurance rates. Older insureds are viewed as being more responsible, tend to cause fewer accidents and are safer drivers.
  • Having a spouse can save you money – Getting married can actually save you money on your policy. It usually means you are more mature and it’s proven that married couples file fewer claims.
  • Better crash test results mean better rates – Vehicles with high crash test scores are cheaper to insure. These vehicles have better occupant injury protection and fewer injuries translates into fewer and smaller insurance claims and lower rates for you. If your Nissan earned at least four stars on Safercar.gov you may qualify for a discount.

Car insurance coverage specifics

Learning about specific coverages of a car insurance policy aids in choosing the best coverages and the correct deductibles and limits. The terms used in a policy can be ambiguous and nobody wants to actually read their policy. Listed below are the usual coverages found on the average car insurance policy.

Liability car insurance – Liability coverage can cover damage or injury you incur to people or other property in an accident. This coverage protects you against other people’s claims, and doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 50/100/50 that translate to $50,000 in coverage for each person’s injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability coverage protects against claims like repair costs for stationary objects, court costs, bail bonds and medical expenses. How much liability should you purchase? That is your choice, but you should buy as high a limit as you can afford.

Comprehensive protection – Comprehensive insurance pays to fix your vehicle from damage caused by mother nature, theft, vandalism and other events. You first must pay your deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims such as vandalism, damage from a tornado or hurricane and falling objects. The maximum payout you can receive from a comprehensive claim is the cash value of the vehicle, so if the vehicle is not worth much consider dropping full coverage.

Uninsured or underinsured coverage – Your UM/UIM coverage protects you and your vehicle when the “other guys” do not carry enough liability coverage. Covered claims include hospital bills for your injuries as well as damage to your Nissan Cube.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage is a good idea.

Medical expense coverage – Medical payments and Personal Injury Protection insurance pay for immediate expenses like X-ray expenses, prosthetic devices, ambulance fees and pain medications. They are used to fill the gap from your health insurance program or if there is no health insurance coverage. They cover both the driver and occupants in addition to any family member struck as a pedestrian. Personal Injury Protection is not universally available but it provides additional coverages not offered by medical payments coverage

Collision – Collision insurance pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. You will need to pay your deductible then the remaining damage will be paid by your insurance company.

Collision can pay for claims like crashing into a ditch, colliding with another moving vehicle, damaging your car on a curb, sustaining damage from a pot hole and hitting a parking meter. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from lower value vehicles. It’s also possible to bump up the deductible in order to get cheaper collision rates.

Never pay more for less

We just showed you a lot of information how to save on 2013 Nissan Cube insurance. The most important thing to understand is the more you quote, the better your comparison will be. Consumers may even find the biggest savings come from some of the lesser-known companies. Smaller companies often have lower prices on specific markets as compared to the big name companies such as Allstate or State Farm.

Budget-conscious insurance is definitely available from both online companies and with local insurance agents, so compare prices from both to have the best rate selection. Some insurance providers do not offer online quoting and these small, regional companies work with independent agents.

More information is located on the following sites:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2013 Nissan Cube Insurance Rates by City
City Premium
New York City, NY $1,809
Los Angeles, CA $1,956
Philadelphia, PA $1,529
Jacksonville, FL $1,661
Phoenix, AZ $1,330
Chicago, IL $1,534
Houston, TX $1,794
Seattle, WA $1,116
Columbus, OH $956
Indianapolis, IN $972

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2013 Nissan Cube Insurance Rates by Driver Age
Driver Age Premium
16 $4,480
20 $2,624
30 $1,174
40 $1,144
50 $1,048
60 $1,026

Full coverage, $500 deductibles

Rates by Deductible

2013 Nissan Cube Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,374
$250 $1,268
$500 $1,144
$1,000 $1,024

Full coverage, driver age 40

Rates by Liability Limit

Nissan Cube Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,144
50/100 $1,236
100/300 $1,351
250/500 $1,650
100 CSL $1,282
300 CSL $1,535
500 CSL $1,719

Full coverage, driver age 40

Rates for High Risk Drivers

2013 Nissan Cube Insurance Rates for High Risk Drivers
Age Premium
16 $6,338
20 $4,180
30 $2,502
40 $2,466
50 $2,358
60 $2,336

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 $155

Potential Rate Discounts

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

Discount Savings
Multi-policy $59
Multi-vehicle $61
Homeowner $19
5-yr Accident Free $75
5-yr Claim Free $73
Paid in Full/EFT $45
Advance Quote $52
Online Quote $79
Total Discounts $463
Rate after discounts $681

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

Find companies with the cheapest rates in your area

2013 Nissan Cube Insurance Rates by State
State Premium
Alabama $1,036
Alaska $876
Arizona $950
Arkansas $1,144
California $1,304
Colorado $1,094
Connecticut $1,178
Delaware $1,296
Florida $1,432
Georgia $1,056
Hawaii $822
Idaho $774
Illinois $852
Indiana $860
Iowa $772
Kansas $1,088
Kentucky $1,562
Louisiana $1,692
Maine $708
Maryland $946
Massachusetts $916
Michigan $1,988
Minnesota $958
Mississippi $1,372
Missouri $1,014
Montana $1,230
Nebraska $904
Nevada $1,374
New Hampshire $826
New Jersey $1,280
New Mexico $1,014
New York $1,206
North Carolina $658
North Dakota $938
Ohio $790
Oklahoma $1,176
Oregon $1,048
Pennsylvania $1,092
Rhode Island $1,528
South Carolina $1,036
South Dakota $968
Tennessee $1,002
Texas $1,380
Utah $848
Vermont $784
Virginia $686
Washington $886
West Virginia $1,048
Wisconsin $794
Wyoming $1,020

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