Nissan Maxima Insurance Rates

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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 ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: May 12, 2022

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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.

Average insurance rates for a Nissan Maxima are $948 a year for full coverage. Comprehensive costs on average $160 a year, collision costs $188, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $2,030. Teen drivers receive the highest rates at $3,822 a year or more.

Average premium for full coverage: $948

Rate estimates by individual coverage type:

Comprehensive $160
Collision $188
Liability $442

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Maxima trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $496 for only liability insurance to a high of $2,030 for a high risk driver.

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

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

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

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.

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.

Insurance Rate Analysis

The chart below shows estimated Nissan Maxima insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $584
  • Drivers who choose higher $1,000 deductibles will pay around $868 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $948
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,098
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,030 or more
  • The cost for full coverage for a teen driver may cost $3,822 a year

View Chart as Image

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

for a Nissan Maxima can also vary considerably based on your driver profile, the trim level of your Maxima, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $900 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $3,800 a year. View Rates by Age

Where you live makes a big difference in Nissan Maxima insurance rates. A 40-year-old driver could pay as low as $630 a year in states like Idaho, Maine, and Iowa, or as much as $1,360 on average in Michigan, Louisiana, and New York.

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

Choosing high deductibles could save up to $230 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $398 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,100 to $1,600 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 129% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 $332 $586 $430 $1,506
2017 Nissan Maxima $314 $564 $442 $1,478
2016 Nissan Maxima $302 $524 $452 $1,436
2014 Nissan Maxima $278 $442 $460 $1,338
2013 Nissan Maxima $260 $408 $460 $1,286
2012 Nissan Maxima $250 $382 $464 $1,254
2011 Nissan Maxima $244 $356 $474 $1,232
2010 Nissan Maxima $226 $330 $474 $1,188
2009 Nissan Maxima $220 $300 $478 $1,156
2007 Nissan Maxima $194 $250 $474 $1,076
2006 Nissan Maxima $188 $224 $468 $1,038
2004 Nissan Maxima $182 $208 $452 $1,000
2003 Nissan Maxima $166 $198 $446 $968

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 Find Cheaper Nissan Maxima Insurance

Saving money on Nissan Maxima insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $225 each year
  • Drivers can save as much as $100 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $490 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $319 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,080 more each year for 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.

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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 AutoBlog.com.

  • 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
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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
Collision41%
Property Damage-6%
Comprehensive59%
Personal Injury42%
Medical Payment40%
Bodily Injury4%
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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.
References:

  1. https://www.iihs.org/ratings/insurance-losses-by-make-and-model
  2. https://www.iihs.org/ratings/vehicle/nissan/maxima-4-door-sedan/2020
  3. https://www.nhtsa.gov/vehicle/2020/NISSAN/MAXIMA/4%252520DR/FWD

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.

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