How to Buy a Nissan in Memphis: Your Complete Cost Guide
Everything you need to know about Nissan ownership costs in Bluff City, from sticker price to insurance premiums.
Memphis’s river commerce and music districts create costs that most car-buying guides miss. We looked at four popular Nissan models (Rogue, Sentra, Kicks, and Murano) to break down what you’ll actually pay as a Nissan owner in Bluff City.
We’ve crunched the real numbers on everything from day-one taxes to ZIP code insurance rates, so you know what you’ll be paying beyond the dealership.
TL;DR
Purchase price ranges (Including TN tax + fees)
- Rogue: $31,891 to $42,707
- Sentra: $24,801 to $30,689
- Kicks: $24,615 to $30,875
- Murano: $45,634 to $54,517
Key Memphis driving data
- 78% of commuters drive alone to work
- 21 minutes average commute time each way
- $2.51/gallon current gas price
- $3,184/year average car insurance (vs $2,384 TN average)
Annual fuel cost estimates (14,000 miles/year)
- Rogue: $1,093 to $1,201
- Sentra: $1,019 to $1,046
- Kicks: $1,128 to $1,166
- Murano: approximately $1,483
Insurance cost variables
- ZIP code impact: $3,000 to $3,528 annually across Memphis
- Risk factors: 185th most congested US city, 75% wildfire risk, 23.7% of Tennessee drivers uninsured
- Potential savings: Up to 30% with safe driving discounts, bundling, and more
What a car really costs in Memphis: Taxes & fees beyond sticker price
Every Memphis Nissan buyer pays the same extras on top of sticker price (MSRP). They’re straightforward but add up:
State motor-vehicle sales tax: 9.25%¹, which includes:
- State tax rate: 7%
- Local tax rate: 2.25%
- Adds $2,775 on a $30,000 car
Title & registration fees: approximately $110.00², including:
- Base registration fee for passenger vehicles: $26.50
- County wheel tax fee: $50.00
- Title fee: $14
- Administrative fees: $19.50
That’s your baseline before looking at specific models. Dealers might tack on their own fees, but these are the costs Memphis guarantees you’ll pay.
The cost to purchase a Rogue in Memphis ranges from $31,891 to $42,707³
The 2026 Rogue keeps being Nissan’s reliable compact SUV, now with a new Dark Armor trim that looks tougher than the standard version. It’s still got that roomy interior and smooth ride that families actually want.
The Rogue’s a good choice if you:
- Want compact SUV space and comfort without breaking your budget
- Need all-wheel drive for snow and rough weather with good fuel economy
- Want physical knobs and buttons for climate and audio instead of touchscreen-only controls
- Need cargo space for family gear with good visibility for safe driving
- Want adventure styling with the Rock Creek trim but don't need serious off-road capability
Rogue pricing by trim
| Trim | MSRP | Sales tax (9.25%) | Fees | Estimated total cost |
|---|---|---|---|---|
| FWD S | $29,090 | $2,691 | $110 | $31,891 |
| FWD SV | $30,090 | $2,783 | $110 | $32,983 |
| AWD S | $30,490 | $2,820 | $110 | $33,420 |
| AWD SV | $31,490 | $2,913 | $110 | $34,513 |
| AWD Rock Creek | $33,990 | $3,144 | $110 | $37,244 |
| FWD SL | $35,590 | $3,292 | $110 | $38,992 |
| AWD SL | $36,990 | $3,422 | $110 | $40,522 |
| AWD Platinum | $38,990 | $3,607 | $110 | $42,707 |
The cost to purchase a Sentra in Memphis ranges from $24,801 to $30,689³
The completely redesigned 2026 Sentra ditches the boring sedan look for something that actually turns heads. Nissan kept the comfortable ride and added way better styling inside and out.
The Sentra’s a good choice if you:
- Want a sedan that doesn't look like every other car in the parking lot
- Need comfortable seats for long commutes with Nissan's Zero Gravity design
- Want modern tech like dual 12.3-inch screens without luxury car pricing
- Need reliable, affordable transportation that doesn't feel cheap inside
- Want something fuel-efficient that still has room for passengers and cargo
Sentra pricing by trim
| Trim | MSRP | Sales tax (9.25%) | Fees | Estimated total cost |
|---|---|---|---|---|
| S Sedan | $22,600 | $2,091 | $110 | $24,801 |
| SV Sedan | $23,370 | $2,162 | $110 | $25,642 |
| SR Sedan | $25,000 | $2,313 | $110 | $27,423 |
| SL Sedan | $27,990 | $2,589 | $110 | $30,689 |
The cost to purchase a Kicks in Memphis ranges from $24,615 to $30,875³
The 2026 Kicks builds on its complete makeover with standard 12.3-inch touchscreens across all trims. It’s proof that entry-level SUVs don’t have to look or feel budget.
The Kicks’s a good choice if you:
- Want SUV styling and seating position at subcompact car pricing
- Need something easy to park in tight spaces but still practical for road trips
- Want modern safety tech and infotainment features in an affordable package
- Need all-wheel drive capability in a small, fuel-efficient SUV
- Want distinctive styling that doesn't scream "economy car"
Kicks pricing by trim
| Trim | MSRP | Sales tax (9.25%) | Fees | Estimated total cost |
|---|---|---|---|---|
| S FWD | $22,430 | $2,075 | $110 | $24,615 |
| S AWD | $23,930 | $2,214 | $110 | $26,254 |
| SV FWD | $24,170 | $2,236 | $110 | $26,516 |
| SV AWD | $25,820 | $2,388 | $110 | $28,318 |
| SR FWD | $26,660 | $2,466 | $110 | $29,236 |
| SR AWD | $28,160 | $2,605 | $110 | $30,875 |
The cost to purchase a Murano in Memphis ranges from $45,634 to $54,517³
The 2026 Murano comes with standard all-wheel drive and that athletic styling that made it stand out from boring family SUVs. It’s built for families who want something premium without the premium price.
The Murano’s a good choice if you:
- Want midsize SUV space with styling that doesn't look like every other family hauler
- Need standard all-wheel drive for weather and light off-road situations
- Want luxury features like massaging seats and Bose audio without luxury car payments
- Need comfortable seating for five with cargo space for family trips
- Want smooth, quiet highway driving with available hands-free driving assistance
Murano pricing by trim
| Trim | MSRP | Sales tax (9.25%) | Fees | Estimated total cost |
|---|---|---|---|---|
| AWD SV | $41,670 | $3,854 | $110 | $45,634 |
| AWD SL | $46,760 | $4,325 | $110 | $51,195 |
| AWD Platinum | $49,800 | $4,607 | $110 | $54,517 |
Of the four Nissans reviewed, the Sentra costs the least to buy on average in Memphis at around $27,138 after taxes and fees
Cost of driving in Memphis: A data-driven look
Beyond the purchase price, here’s what it actually costs to drive a Nissan around Memphis based on real data:
Maintenance costs
Nissans are fairly affordable to maintain, costing around $500 annually for maintenance and repairs.⁵
Fuel costs
Average cost of regular gasoline in Memphis as of February 5, 2026: $2.51⁴
2026 Rogue
| Powertrain | Trim | MPG (city/hwy) | Combined MPG | Estimated annual gallons | Estimated annual gas cost |
|---|---|---|---|---|---|
| Gas | FWD S | 29/36 | 32 | 435 | $1,093 |
| Gas | FWD SV | 29/36 | 32 | 435 | $1,093 |
| Gas | AWD S | 28/35 | 31 | 449 | $1,128 |
| Gas | AWD SV | 28/35 | 31 | 449 | $1,128 |
| Gas | AWD Rock Creek | 27/32 | 29 | 479 | $1,201 |
| Gas | FWD SL | 29/36 | 32 | 435 | $1,093 |
| Gas | AWD SL | 28/35 | 31 | 449 | $1,128 |
| Gas | AWD Platinum | 28/35 | 31 | 449 | $1,128 |
Annual Gallons Used = 14,000 miles ÷ Combined MPG
Annual Fuel Cost = Annual Gallons x $2.51/gal
2026 Sentra
| Powertrain | Trim | MPG (city/hwy) | Combined MPG | Estimated annual gallons | Estimated annual gas cost |
|---|---|---|---|---|---|
| Gas | S Sedan | 30/40 | 35 | 406 | $1,019 |
| Gas | SV Sedan | 30/38 | 34 | 417 | $1,046 |
| Gas | SR Sedan | 30/38 | 34 | 417 | $1,046 |
| Gas | SL Sedan | 30/38 | 34 | 417 | $1,046 |
Annual Gallons Used = 14,000 miles ÷ Combined MPG
Annual Fuel Cost = Annual Gallons x $2.51/gal
2026 Kicks
| Powertrain | Trim | MPG (city/hwy) | Combined MPG | Estimated annual gallons | Estimated annual gas cost |
|---|---|---|---|---|---|
| Gas | S FWD | 28/35 | 31 | 449 | $1,128 |
| Gas | S AWD | 27/34 | 30 | 464 | $1,166 |
| Gas | SV FWD | 28/35 | 31 | 449 | $1,128 |
| Gas | SV AWD | 27/34 | 30 | 464 | $1,166 |
| Gas | SR FWD | 28/35 | 31 | 449 | $1,128 |
| Gas | SR AWD | 27/34 | 30 | 464 | $1,166 |
Annual Gallons Used = 14,000 miles ÷ Combined MPG
Annual Fuel Cost = Annual Gallons x $2.51/gal
2026 Murano
| Powertrain | Trim | MPG (city/hwy) | Combined MPG | Estimated annual gallons | Estimated annual gas cost |
|---|---|---|---|---|---|
| AWD | AWD SV | 21/27 | 24 | 591 | $1,483 |
| AWD | AWD SL | 21/27 | 24 | 591 | $1,483 |
| AWD | AWD Platinum | 21/27 | 24 | 591 | $1,483 |
Annual Gallons Used = 14,000 miles ÷ Combined MPG
Annual Fuel Cost = Annual Gallons x $2.51/gal
Sentra is the cheapest to drive around Memphis
Commute reality⁶
Average travel time to work: 21
- 78% of Memphis commuters drive alone to work
- 9% of Memphis commuters carpool
- 1% of Memphis commuters use public transportation
Parking costs in Memphis⁷
| Parking type | Average price |
|---|---|
| Commuter parking | $8 – $15 |
| Weekend parking | $8 – $20 |
| Event parking | $8 – $20 |
| Overnight parking | $17 – $24 |
The average cost of car insurance in Memphis is 33.54% higher than the Tennessee average
Tennessee requires every Memphis driver to carry minimum coverage:
- $30,000 bodily injury liability per person/$60,000 bodily injury liability per accident
- $25,000 property damage liability
Why Memphis insurance costs more
- Average Memphis car insurance: $3,184 annually⁹
- Tennessee statewide average: $2,384 annually⁹
- Memphis premium: 33.54% higher than state average
Memphis-specific risk factors driving costs:
- 185th most congested US city: more traffic, more accidents¹⁰
- wildfire risk: 75% of Memphis buildings at wildfire risk¹¹
- Uninsured driver rate: 23.7% of Tennessee drivers uninsured¹²
Insurance costs by Memphis zip-code
| ZIP code | Average annual rate |
|---|---|
| 38152 | $3,192 |
| 38104 | $3,180 |
| 38111 | $3,144 |
| 38115 | $3,156 |
| 38122 | $3,132 |
| 38103 | $3,000 |
| 38112 | $3,096 |
| 38126 | $3,264 |
| 38105 | $3,144 |
| 38141 | $3,528 |
Memphis car insurance is 33.54% more expensive than the statewide average
How Memphis Nissan drivers can save with Lemonade
Memphis’s insurance costs run 33.54% above the Tennessee average, but Nissan owners get extra ways to save with Lemonade.
Key discounts for Nissan owners
Environment-friendly discount: All Nissan hybrids automatically qualify. Your eco-conscious choice saves money beyond just gas costs.
Smart technology discount: Every new Nissan qualifies thanks to Nissan Safety Shield 360 or ProPILOT Assist becoming standard in all vehicles. Advanced safety tech protects you on Memphis’s roads while reducing your premiums.
Telematics: Lemonade’s telematics program can reduce your Nissan insurance by up to 30% by rewarding safe driving behaviors. Keeping your phone down while driving, maintaining safe following distances, and avoiding high-risk times like night driving all contribute to savings.
The program uses your smartphone to monitor these habits without requiring any plug-in devices, and low-mileage drivers see even greater discounts.
Bundle your protection: You can stack additional savings by bundling with other Lemonade renters, homeowners, pet, or life policies.
The Memphis impact
With Memphis’s average annual insurance cost of $3,184, combining these discounts can meaningfully reduce your Nissan ownership expenses.
Making your Memphis Nissan decision
The sticker price is just the start. Add Tennessee sales tax, factor in your ZIP code’s insurance rates, and don’t forget about gas. Use our data to set a realistic budget, get pre-approved for financing, and you’re ready to roll.
Ready to save on Nissan insurance? Get a quote with Lemonade and see how much you can save in Bluff City.
Methodology
This guide compiles publicly available, third-party data to estimate the real-world cost of Nissan ownership in Memphis, Tennessee.
Vehicle pricing and specifications (MSRP, trims, powertrains, MPG, standard features) were sourced from Cars.com model pages for the 2026 Rogue, Sentra, Kicks, and Murano.³ MSRP figures were used as a consistent baseline to avoid dealer-specific pricing distortions.
Tax rates were sourced from Tennessee Department of Revenue¹. Title and registration fees were sourced from Tennessee License Plate². Estimated total purchase costs reflect realistic out-the-door ranges but do not assume manufacturer incentives, dealer discounts or dealer fees.
Fuel costs were calculated using combined MPG ratings and a standardized annual mileage assumption of 14,000 miles, reflecting above-average urban driving. Gas prices were set at $2.51 per gallon, based on Memphis metro averages from GasBuddy as of February 5, 2026.⁴ Any hybrid costs reflect gasoline use only.
Maintenance costs use Nissan’s brand-level national average ($500/year) from RepairPal⁵.
Commute behavior and parking costs rely on the U.S. Census Bureau data via Census Reporter⁶ and SpotHero Memphis parking market data.⁷ These figures reflect how the residents of Memphis actually drive, park, and commute.
To gather insurance data, the top 10 most densely populated zip codes were identified from ZIPatlas.⁸ These zip codes were then processed through NerdWallet’s full coverage rate estimator, using a standard profile: a 35-year-old driver with good credit and a clean driving record. Each city’s average insurance cost represents the average across its 10 most populated zip codes. State averages came directly from NerdWallet’s data.⁹
Risk drivers including congestion, flooding, and uninsured motorists rates are sourced from INRIX¹⁰, ClimateCheck¹¹, and Value Penguin¹².
All calculations are presented as estimates, not guarantees. Actual costs will vary based on driving behavior, location, insurance profile, vehicle configuration, and market conditions at time of purchase.
¹ Tennessee sales tax rates (7% plus local rates as of February, 2026): Tennessee Department of Revenue
² Tennessee registration fees (Base registration fee $26.50 as of February, 2026): Tennessee License Plate
³ MSRP, trims, powertrains, MPG, features (as of February, 2026): Cars.com model pages:
⁴ Average gas price ($2.51/gal as of February 5, 2026): GasBuddy Memphis average
⁵ Maintenance cost ($500/year as of February, 2026): RepairPal Nissan brand average
⁶ Commute time, mode share (78% drive alone, etc. as of February, 2026): U.S. Census Bureau / Census Reporter
⁷ Parking costs (as of February, 2026): SpotHero Memphis market data
⁸ Top ten most densely populated zip codes (as of February, 2026): ZIPatlas
⁹ Insurance rates (as of February, 2026):NerdWallet’s Car Insurance Calculator
¹⁰ Congestion ranking (as of February, 2026): INRIX Global Traffic Scorecard
¹¹ Flood risk (75% of buildings, as of February 2026): ClimateCheck
¹² Uninsured driver rate (23.7%, as of February, 2026): Value Penguin