Nissan Murano Insurance Rates
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Michelle Robbins
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UPDATED: May 30, 2024
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Many people ask us, “What is the Nissan Murano cost of insurance?” and “Are Nissan Muranos expensive to insure?” Most drivers will pay an average of $1,370 a year, or $114 a month. Our comprehensive guide breaks down Nissan Murano insurance rates so drivers can find savings. Read on.
To start comparison shopping for Nissan Murano insurance rates today, enter your ZIP code in our free tool above.
The average insurance rates for a Nissan Murano are $1,344 a year for full coverage. Comprehensive insurance costs an estimated $282 a year, collision costs $506, and liability coverage costs $398. Buying just liability costs as little as $460 a year, with insurance for high-risk drivers costing $2,908 or more. 16-year-old drivers cost the most to insure at $5,040 a year or more.
Average premium for full coverage: $1,344
Policy rates broken down by type of insurance:
Includes $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all states and Murano trim levels.
Price Range Variability
For a driver in their 40's, Nissan Murano insurance rates go from as low as $460 for just liability coverage to a high of $2,908 for a driver required to buy high-risk insurance.
Urban vs. Rural Price Range
Your location has a large influence on insurance rates. More rural locations are shown to have a lower frequency of accident claims than congested cities.
The diagram below illustrates how location helps determine insurance prices.
The examples above show why it is important to compare rates for a targeted area and risk profile, rather than using rate 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.
Detailed Rate Analysis
The chart below shows estimated Nissan Murano insurance rates for other coverage scenarios.
- The best full coverage rate is $777
- Drivers who choose higher $1,000 deductibles will pay approximately $1,166 a year
- The average rate for a good driver age 40 who has $500 deductibles is $1,344
- Buying low $100 deductibles for comprehensive and collision insurance will cost an extra $348 each year
- High-risk insureds with multiple tickets or accidents could pay up to $2,908 or more
- Policy cost for full coverage for a teenage driver can cost as much as $5,040 a year
Insurance rates for a Nissan Murano also range considerably based on your risk profile, the trim level of your Murano, and liability limits and deductibles.
Older drivers with a clean driving record and high deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $5,000 a year. View Rates by Age
Your home state makes a big difference in Nissan Murano insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Iowa, Maine, and Idaho, or at least $1,920 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,216 | -$128 | -9.5% |
| Alaska | $1,032 | -$312 | -23.2% |
| Arizona | $1,116 | -$228 | -17.0% |
| Arkansas | $1,344 | -$0 | 0.0% |
| California | $1,534 | $190 | 14.1% |
| Colorado | $1,284 | -$60 | -4.5% |
| Connecticut | $1,384 | $40 | 3.0% |
| Delaware | $1,522 | $178 | 13.2% |
| Florida | $1,684 | $340 | 25.3% |
| Georgia | $1,242 | -$102 | -7.6% |
| Hawaii | $966 | -$378 | -28.1% |
| Idaho | $910 | -$434 | -32.3% |
| Illinois | $1,004 | -$340 | -25.3% |
| Indiana | $1,012 | -$332 | -24.7% |
| Iowa | $908 | -$436 | -32.4% |
| Kansas | $1,280 | -$64 | -4.8% |
| Kentucky | $1,836 | $492 | 36.6% |
| Louisiana | $1,990 | $646 | 48.1% |
| Maine | $830 | -$514 | -38.2% |
| Maryland | $1,108 | -$236 | -17.6% |
| Massachusetts | $1,078 | -$266 | -19.8% |
| Michigan | $2,338 | $994 | 74.0% |
| Minnesota | $1,126 | -$218 | -16.2% |
| Mississippi | $1,614 | $270 | 20.1% |
| Missouri | $1,194 | -$150 | -11.2% |
| Montana | $1,444 | $100 | 7.4% |
| Nebraska | $1,062 | -$282 | -21.0% |
| Nevada | $1,614 | $270 | 20.1% |
| New Hampshire | $970 | -$374 | -27.8% |
| New Jersey | $1,504 | $160 | 11.9% |
| New Mexico | $1,194 | -$150 | -11.2% |
| New York | $1,418 | $74 | 5.5% |
| North Carolina | $776 | -$568 | -42.3% |
| North Dakota | $1,100 | -$244 | -18.2% |
| Ohio | $930 | -$414 | -30.8% |
| Oklahoma | $1,382 | $38 | 2.8% |
| Oregon | $1,232 | -$112 | -8.3% |
| Pennsylvania | $1,284 | -$60 | -4.5% |
| Rhode Island | $1,796 | $452 | 33.6% |
| South Carolina | $1,222 | -$122 | -9.1% |
| South Dakota | $1,136 | -$208 | -15.5% |
| Tennessee | $1,178 | -$166 | -12.4% |
| Texas | $1,622 | $278 | 20.7% |
| Utah | $996 | -$348 | -25.9% |
| Vermont | $920 | -$424 | -31.5% |
| Virginia | $804 | -$540 | -40.2% |
| Washington | $1,042 | -$302 | -22.5% |
| West Virginia | $1,232 | -$112 | -8.3% |
| Wisconsin | $930 | -$414 | -30.8% |
| Wyoming | $1,198 | -$146 | -10.9% |
Opting for high physical damage deductibles could save up to $530 a year, while buying higher liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying $1,600 to $2,200 extra every year, depending on your age. A high-risk auto insurance policy can cost around 44% to 133% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the only way to know which auto insurance is cheapest is to get quotes and see how they stack up. Every company utilizes a different rate formula, so the rates will be varied from one company to the next.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Nissan Murano S 2WD | $1,260 | $105 |
| Nissan Murano S AWD | $1,260 | $105 |
| Nissan Murano SL 2WD | $1,260 | $105 |
| Nissan Murano SL AWD | $1,304 | $109 |
| Nissan Murano LE 2WD | $1,428 | $119 |
| Nissan Murano LE AWD | $1,428 | $119 |
Rates assume 2023 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Nissan Murano | $294 | $512 | $390 | $1,354 |
| 2023 Nissan Murano | $282 | $506 | $398 | $1,344 |
| 2022 Nissan Murano | $272 | $494 | $416 | $1,340 |
| 2021 Nissan Murano | $262 | $474 | $430 | $1,324 |
| 2020 Nissan Murano | $248 | $458 | $442 | $1,306 |
| 2019 Nissan Murano | $238 | $424 | $452 | $1,272 |
| 2018 Nissan Murano | $230 | $400 | $456 | $1,244 |
| 2017 Nissan Murano | $220 | $358 | $460 | $1,196 |
| 2016 Nissan Murano | $206 | $330 | $460 | $1,154 |
| 2015 Nissan Murano | $198 | $310 | $464 | $1,130 |
| 2014 Nissan Murano | $194 | $288 | $474 | $1,114 |
| 2013 Nissan Murano | $180 | $268 | $474 | $1,080 |
| 2012 Nissan Murano | $174 | $244 | $478 | $1,054 |
| 2011 Nissan Murano | $162 | $222 | $474 | $1,016 |
| 2010 Nissan Murano | $152 | $202 | $474 | $986 |
| 2009 Nissan Murano | $148 | $182 | $468 | $956 |
| 2007 Nissan Murano | $144 | $168 | $452 | $922 |
| 2006 Nissan Murano | $132 | $160 | $446 | $896 |
| 2005 Nissan Murano | $126 | $152 | $442 | $878 |
Rates are averaged for all Nissan Murano 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 the Cheapest Nissan Murano Insurance
Finding cheaper rates on auto insurance not only requires being a good driver, but also maintaining good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Invest time comparing rates at every policy renewal by quoting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The following list is a recap of the data covered in the charts and tables above.
- Consumers who want an increased level of liability coverage will pay around $440 each year to go from a 30/60 limit to 250/500 limits
- Drivers can save approximately $160 per year simply by quoting early and online
- Increasing comprehensive and collision deductibles can save around $525 each year
- Drivers age 16 to 20 are charged the highest rates, costing up to $420 each month for full coverage
Regardless of whether you have an old Nissan Murano or a Nissan Murano 17.5, shopping for insurance will help you save on rates. So if you worried about how much does a 2018 or 2015 Nissan Murano cost to insure, find out for sure by getting quotes.
Enter your ZIP code in our free tool below to comparison shop.
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What are the safety ratings of the Nissan Murano?
A car with great safety features and ratings will cost less to insure. The Nissan Murano’s best safety features include brake assist, electronic stability control, blind-spot monitor, lane departure warning, and lane-keeping assist.
The 2020 Nissan Murano also has great crash test ratings from the Insurance Insitute for Highway Safety (IIHS), which we listed below.
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
To understand how the IIHS crash tests vehicles, watch the video below.
Nissan Murano Compared Against Other Vehicles in the Same Class
The class and size of a vehicle affect liability rates. The Nissan Murano is a midsize SUV. The IIHS recorded the Nissan Murano’s liability losses as average and better than average, which is good. It means the Nissan Murano should have normal rates for liability insurance.
The list of midsize SUVs below will help you compare the Nissan Murano’s prices and ratings to other vehicles in its class.
Frequently Asked Questions
- Is the Nissan Murano a reliable car? It’s a value pick for midsize SUV class but there are better options in this class of vehicle.
To jump right into finding cheap Nissan Murano insurance rates, enter your ZIP code in our free tool.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,040 |
| 20 | $3,108 |
| 30 | $1,404 |
| 40 | $1,344 |
| 50 | $1,230 |
| 60 | $1,206 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,692 |
| $250 | $1,530 |
| $500 | $1,344 |
| $1,000 | $1,166 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,344 |
| 50/100 | $1,508 |
| 100/300 | $1,607 |
| 250/500 | $1,866 |
| 100 CSL | $1,547 |
| 300 CSL | $1,766 |
| 500 CSL | $1,926 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,184 |
| 20 | $4,938 |
| 30 | $2,970 |
| 40 | $2,908 |
| 50 | $2,776 |
| 60 | $2,752 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $71 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $98 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $61 |
| Advance Quote | $66 |
| Online Quote | $95 |
| Total Discounts | $567 |
Discounts are estimated and may not be available from every company or in every state.
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