Nissan Maxima Insurance Rates

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

Scott W. Johnson

Licensed Insurance Agent

Scott W Johnson is an independent insurance agent in California. Principal Broker and founder of Marindependent Insurance Services, Scott brings over 25 years of experience to his clients. His Five President’s Council awards prove he uses all he learned at Avocet, Sprint Nextel, and Farmers Insurance to the benefit of his clients. Scott quickly grasped the unique insurance requirements of his...

Licensed Insurance Agent

UPDATED: Feb 24, 2023

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.

When it comes to the average Nissan Maxima insurance rates, expect to pay around $129 per month or $1,550 annually. However, many different factors can impact your overall car insurance costs. For example, insurance providers will consider the age and trim level of your Nissan Maxima, and will even look into safety and crash test results. 

While trying to find the right car insurance provider can be confusing and leave you with more questions than answers, read through our brief guide to learn all you need to know about how Nissan Maxima insurance rates are calculated so you can secure cheap car insurance

For example, if you’re looking to find out how much monthly 2011 Nissan Maxima insurance rates will end up being, it depends on whether you go with full coverage or liability alone. We will provide you with real data surrounding the Nissan Maxima including its car class, safety features, MSRP value, and repair estimates.

Ready to get started? Read through the information in this article to help you understand everything there is to know about Nissan Maxima insurance rates.

When you’re ready, enter your ZIP code into our free quote tool above to start comparing Nissan Maxima insurance quotes immediately.

The average insurance prices for a Nissan Maxima are $948 every 12 months for full coverage insurance. Comprehensive costs around $160 a year, collision insurance costs $188, and liability is $442. Buying just liability costs around $496 a year, and insurance for high-risk drivers costs around $2,030. Teens cost the most to insure at up to $3,822 a year.

Average premium for full coverage: $948

Policy rates for type of insurance:

Comprehensive $160
Collision $188
Liability $442

Includes $500 deductibles, 30/60 liability coverage, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and Maxima trim levels.

Price Range Variability

For a 40-year-old driver, Nissan Maxima insurance rates range from the cheapest price of $496 for minimum levels of liability insurance to a high of $2,030 for a policy for a high-risk driver.

Liability Only $496
Full Coverage $948
High Risk $2,030

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than cities with more traffic congestion. The diagram below illustrates how your location can change auto insurance rates.

Rural Areas $711
Small Cities $995
Large Cities $1,280

The examples above illustrate why it is important to compare rates quotes for a specific zip code and their own driving history, instead of using averaged prices.

Use the form below to get customized rates for your location.

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

Additional Rate Details

The chart below illustrates average Nissan Maxima insurance rates for additional coverage choices and driver risks.

  • The cheapest rate after discounts is $584
  • Raising to $1,000 deductibles will save about $868 each year
  • The average price for a good driver age 40 using $500 deductibles is $948
  • Selecting low $100 deductibles increases the price to $1,098
  • At-risk drivers with serious driving violations could pay at least $2,030
  • Policy cost to insure a teen driver can be $3,822

View Chart as Image

Nissan Maxima insurance cost comparison chart
Column chart showing Nissan Maxima insurance rates range from $584 to $3,822 for full coverage

Insurance rates for a Nissan Maxima also range considerably based on liability limits and deductibles, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $230 every year, while buying higher liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $900 every 12 months on average, or $75 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay as much as $3,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at least $1,100 to $1,600 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 42% to 129% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Nissan Maxima insurance prices. A middle-age driver might find rates as low as $620 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,280 on average in Michigan, New York, and Florida.

Nissan Maxima Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $858 -$90 -9.5%
Alaska $728 -$220 -23.2%
Arizona $788 -$160 -16.9%
Arkansas $948 -$0 0.0%
California $1,080 $132 13.9%
Colorado $908 -$40 -4.2%
Connecticut $976 $28 3.0%
Delaware $1,074 $126 13.3%
Florida $1,188 $240 25.3%
Georgia $876 -$72 -7.6%
Hawaii $684 -$264 -27.8%
Idaho $642 -$306 -32.3%
Illinois $708 -$240 -25.3%
Indiana $714 -$234 -24.7%
Iowa $640 -$308 -32.5%
Kansas $902 -$46 -4.9%
Kentucky $1,294 $346 36.5%
Louisiana $1,406 $458 48.3%
Maine $584 -$364 -38.4%
Maryland $784 -$164 -17.3%
Massachusetts $760 -$188 -19.8%
Michigan $1,648 $700 73.8%
Minnesota $794 -$154 -16.2%
Mississippi $1,138 $190 20.0%
Missouri $842 -$106 -11.2%
Montana $1,020 $72 7.6%
Nebraska $748 -$200 -21.1%
Nevada $1,138 $190 20.0%
New Hampshire $684 -$264 -27.8%
New Jersey $1,062 $114 12.0%
New Mexico $840 -$108 -11.4%
New York $1,000 $52 5.5%
North Carolina $546 -$402 -42.4%
North Dakota $778 -$170 -17.9%
Ohio $656 -$292 -30.8%
Oklahoma $976 $28 3.0%
Oregon $868 -$80 -8.4%
Pennsylvania $906 -$42 -4.4%
Rhode Island $1,268 $320 33.8%
South Carolina $860 -$88 -9.3%
South Dakota $802 -$146 -15.4%
Tennessee $832 -$116 -12.2%
Texas $1,144 $196 20.7%
Utah $704 -$244 -25.7%
Vermont $650 -$298 -31.4%
Virginia $568 -$380 -40.1%
Washington $736 -$212 -22.4%
West Virginia $868 -$80 -8.4%
Wisconsin $656 -$292 -30.8%
Wyoming $846 -$102 -10.8%

View Chart as Image

Nissan Maxima insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Nissan Maxima Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Nissan Maxima 3.5 S $934 $78
Nissan Maxima 3.5 SV $948 $79

Rates assume 1997 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Nissan Maxima Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2018 Nissan Maxima $314 $564 $442 $1,478
2017 Nissan Maxima $302 $524 $452 $1,436
2016 Nissan Maxima $290 $494 $456 $1,398
2014 Nissan Maxima $260 $408 $460 $1,286
2013 Nissan Maxima $250 $382 $464 $1,254
2012 Nissan Maxima $244 $356 $474 $1,232
2011 Nissan Maxima $226 $330 $474 $1,188
2010 Nissan Maxima $220 $300 $478 $1,156
2009 Nissan Maxima $206 $274 $474 $1,112
2007 Nissan Maxima $188 $224 $468 $1,038
2006 Nissan Maxima $184 $218 $460 $1,020
2004 Nissan Maxima $166 $198 $446 $968
2003 Nissan Maxima $160 $188 $442 $948

Rates are averaged for all Nissan Maxima models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Shop for the Cheapest Nissan Maxima Insurance

Finding cheaper rates on car insurance consists of not taking risks behind the wheel, having good credit, being claim-free, and dropping full coverage on older vehicles. Invest the time to shop around every year by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following is a recap of the coverage data illustrated above.

  • It is possible to save up to $100 per year just by quoting early and online
  • Increasing comprehensive and collision deductibles could save as much as $225 each year
  • Teens pay higher rates, possibly costing $319 each month if they have full coverage
  • Higher risk drivers that have major violations or accidents may pay on average $1,080 more every year for Maxima insurance

How much is insurance on a Nissan Maxima? On average, expect to pay around $129 per month or $1,550 annually. But as you’ve learned from the previous information, many different factors will impact your Nissan Maxima car insurance quotes. 

For example, the age of your Nissan Maxima model as well as its trim level can majorly affect what you’ll pay for car insurance annually. You’ve seen that older Nissan Maxima’s tend to be cheaper to insure than newer models.

Similarly, your individual driver demographics will also impact your insurance rates. Insurance providers will consider your age, driving record, and the state you live in when calculating your insurance costs. 

Now that we know a little more information about Nissan Maxima insurance rates, we hopefully answered the question of if a Nissan Maxima is expensive to insure. Find your best Nissan Maxima auto insurance rates for free right now by entering your ZIP code into our quote tool below.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

How does the size and class of the Nissan Maxima affect liability rates?

If you ever looked up “Nissan car insurance” to figure out how much you can expect to pay, your liability car insurance rates will depend on the size and class of the model.

Some people have asked, “is a Nissan Maxima considered a sports car?” in order to determine whether or not it’s worth the price of insurance rates. However, the Insurance Institute for Highway Safety (IIHS) classifies the Nissan Maxima as a four-door, midsize sedan. 

Midsize sedans like the Maxima are generally considered to be safer than smaller vehicles such as roadsters and sports cars. This vehicle classification therefore actually helps keep your rates low. 

You can compare the Nissan Maxima to other midsize sedans in the same car class in the list below.

Since insurance quotes are determined by the safety of the model, you can expect that Nissan Maxima insurance rates are more favorable than other Nissan cars. This is because the Maxima received great safety ratings, which we cover in more detail later on.

Are Nissans more expensive to insure than other car brands? Not necessarily. Nissan’s tend to fall within the average range in terms of overall car insurance costs and fees. 

The car brand is popular among younger teen drivers. Due to their lack of driving experience, teen drivers receive higher than average car insurance quotes. This helps explain why the average cost to insure the Nissan Maxima seems a little high, as the teenage driver rates are also factored into the average.  

However, the Nissan Maxima is one of the cheapest cars to insure overall, especially if you only pay for bodily injury liability and property damage liability insurance instead of full coverage.

What does liability insurance cost for a Nissan Maxima?

Another determining factor that will impact Nissan Maxima insurance costs is how much coverage you wish to receive for both bodily injury liability and property damage liability.

The following general quotes will show a breakdown of how much bodily injury liability costs for the Nissan Maxima from low to high coverage.

  • Low ($25,000): $85.50
  • Medium ($50,000): $119.62
  • High ($100,000): $132.52

In case you are unfamiliar, bodily injury liability will pay for things like medical expenses for the other party while property damage liability will pay for costs associated with repairing their vehicle.

Take a look at the following property damage liability quotes for the Nissan Maxima. You might be surprised to learn that they don’t vary that much based on the level of coverage you get.

  • Low ($25,000): $191.04
  • Medium ($50,000): $177.56
  • High ($100,000): $175.97

Now that we know how much liability insurance costs for the Nissan Maxima, you might be wondering about other determining factors that influence Nissan Maxima car insurance rates.

What are the safety features and ratings of the Nissan Maxima?

The safety features and ratings of the Nissan Maxima are very important because insurance providers take a look at this information to determine how much your policy will be.

Safety features are there to protect the driver and passengers, leading to fewer claims. In short, a model with a lot of safety features is often a good sign that insurance won’t be that expensive.  

So what does this look like for the Nissan Maxima? Take a look at the following list of Nissan Maxima safety features with information sourced from

  • Anti-Lock Brakes
  • Stability Control
  • Front-Impact Airbags
  • Side-Impact Airbags
  • Overhead Airbags
  • Knee Airbags
  • Pretensioners
  • Anti-Theft Security

As you can see, there are plenty of features you can add to your Nissan Maxima to help keep you, your passengers, and other vehicles on the road safe.  

Fortunately, the Nissan Maxima safety ratings are also very strong. The Insurance Institute for Highway Safety (IIHS) awarded the 2020 Nissan Maxima with the top safety pick plus award when equipped with specific headlights. 

See the details of the 2020 Nissan Maxima safety ratings below. 

  • Small overlap front (driver-side): Good
  • Small overlap front (passenger-side): Good
  • Moderate overlap front: Good
  • Side: Good
  • Roof strength: Good
  • Head restraints & seats: Good

Like safety ratings, crash tests are also considered by insurance providers when calculating insurance costs. 

In the table below, check out the Nissan Maxima crash test ratings as performed by the National Highway Traffic Safety Administration (NHTSA).

Nissan Maxima Crash Test Ratings
Vehicle TestedOverallFrontalSideRollover
2020 Nissan Maxima 4 DR FWD5 stars5 stars5 stars5 stars
2019 Nissan Maxima 4 DR FWDN/RN/RN/R5 stars
2018 Nissan Maxima 4 DR FWD5 stars4 stars5 stars5 stars
2017 Nissan Maxima 4 DR FWD5 stars5 stars5 stars5 stars
2016 Nissan Maxima 4 DR FWD Later Release5 stars5 stars5 stars5 stars
2016 Nissan Maxima 4 DR FWD Early Release5 stars5 stars5 stars5 stars

A 5-star rating is the highest possible score given by the NHTSA. Overall, this car received very high marks. Your car insurance rates will be positively impacted by the Nissan Maxima’s safety ratings and crash test results. 

Even though the Nissan Maxima is equipped with the preceding safety features, it is still a car and driving can be dangerous. Sometimes drivers can take all of the necessary precautions you possibly could and still end up in an unfavorable situation.

For example, data from the IIHS suggests that out of 9,736,590 registered midsize cars, a total of 396 road fatalities have been reported. For some additional context, that is a fatality rate of 41 per one million registered people who drive a vehicle similar to the Nissan Maxima.

Another thing you should concern yourself with is the impact point of certain crashes. This is because some impact point crashes can be deadlier than others. 

The following statistics show how many fatalities ensued based on the origin point of the crash.

  • Frontal Impact: 7,433 deaths  
  • Side Impact: 3,568 deaths 
  • Rear Impact: 834 deaths
  • Other (mostly rollovers): 1,303 deaths

These statistics are not meant to scare you but inform you with real information so you can figure out if you want more protection with a comprehensive car insurance policy.

What is the MSRP of the Nissan Maxima?

The value of the car you drive goes hand-in-hand with car insurance rates. For example, certain car colors like red can end up with a higher sticker price which begs the question, “What color car is the most expensive to insure?”

Kelley Blue Book (KBB) has determined that the Manufacturer’s Suggested Retail Price (MSRP) of a base-level 2020 Nissan Maxima is $35,175 with a fair market value range between $31,572 and $34,155. 

In order to protect the value of your Nissan Maxima, you will need to get car insurance coverage that extends beyond liability insurance. In other words, you need to get full coverage which is often made up by collision and comprehensive.

  • Collision car insurance is a type of coverage that will pay for any costs associated with repairing or even replacing your vehicle if it gets damaged after colliding with another car or object.
  • Comprehensive car insurance protects you from any damage sustained that is outside of your control, such as a tree branch falling on top of your car.

Remember that it’s ultimately your decision as to whether or not you want to get full coverage Nissan Maxima car insurance or stick to the minimum requirements determined by your state of residence.

You can also see some of the Nissan Maxima insurance loss probability details in the table below.

Nissan Maxima Insurance Loss Probability
Insurance Coverage CategoryLoss Rate
Property Damage-6%
Personal Injury42%
Medical Payment40%
Bodily Injury4%

The lower the percentage, the better the insurance loss ratio. Unfortunately, the Nissan Maxima has substantially worse than average insurance loss ratios in most categories. However, your liability loss ratios are all average. 

These numbers could mean higher car insurance rates if you opt for comprehensive or collision coverage. 

Expect personal injury protection (PIP) and medical payments coverage (MedPay) to also cost more with a Nissan Maxima than other vehicles in the same car class. 

How much will it cost to repair my Nissan Maxima?

Lastly, every car costs a certain amount to repair. Since each model is built with a unique structure, service technicians need to approach each one differently.

In the case of the Nissan Maxima, the annual cost of repairs amounts to $540 per year, which includes routine maintenance like oil changes in addition to bigger repair jobs.

Since some vehicle parts are more expensive to repair than others, take a look at the following repair estimates for the Nissan Maxima with quotes that come courtesy of Instant Estimator:

  • Front Bumper: $425.00
  • Rear Bumper: $459.80
  • Hood: $414.20
  • Roof: $463.80
  • Front Door: $401.60
  • Back Door: $390.20
  • Fender: $364.60
  • Quarter Panel: $377.00

We have uncovered a lot of information and can pinpoint certain data depending upon the model year of your Nissan Maxima. For example, we’ve compared the cost of insurance for a 2011 Nissan Maxima to the 2009 Nissan Maxima insurance rates and even the 2018 Nissan Maxima insurance costs. Is there anything we might have missed?

If not, then you’re ready to secure your best car insurance policy. Before you buy Nissan Maxima car insurance, make sure to compare rates from multiple insurers to find the Nissan Maxima car insurance company for your needs.

To start your search for affordable Nissan Maxima car insurance, enter your ZIP code into our free online tool to start comparing Nissan Maxima quotes today.


Rates by Driver Age

Nissan Maxima Insurance Rates by Driver Age
Driver Age Premium
16 $3,822
20 $2,158
30 $964
40 $948
50 $872
60 $852

Full coverage, $500 deductibles

Rates by Deductible

Nissan Maxima Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,098
$250 $1,032
$500 $948
$1,000 $868

Full coverage, driver age 40

Rates by Liability Limit

Nissan Maxima Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $948
50/100 $1,036
100/300 $1,147
250/500 $1,434
100 CSL $1,081
300 CSL $1,324
500 CSL $1,501

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Maxima Insurance Rates for High Risk Drivers
Age Premium
16 $5,368
20 $3,434
30 $2,046
40 $2,030
50 $1,940
60 $1,922

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 $124

Potential Rate Discounts

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

Discount Savings
Multi-policy $47
Multi-vehicle $50
Homeowner $17
5-yr Accident Free $56
5-yr Claim Free $58
Paid in Full/EFT $33
Advance Quote $40
Online Quote $63
Total Discounts $364
Rate after discounts $584

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

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

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles