Nissan Murano Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
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.
Average insurance prices for a Nissan Murano are $1,340 every 12 months for full coverage. Comprehensive costs an estimated $272 each year, collision costs $494, and liability is $416. A liability-only policy costs around $474 a year, with high-risk insurance costing around $2,904. Teens receive the highest rates at $5,062 a year or more.
Average premium for full coverage: $1,340
Rate estimates broken down by individual coverage type:
Estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and Murano models.
Price Range by Coverage and Risk
For the normal driver, prices range go from the cheapest price of $474 for just the minimum liability insurance to a high rate of $2,904 for high-risk insurance.
Price Range by Location
Choosing to live in a large city can make a big difference on insurance rates. More rural locations tend to have more infrequent accident claims than cities with more traffic congestion.
The graphic below illustrates how geographic area affects insurance prices.
These examples show why all drivers should compare rates quotes for a targeted area and their own driving history, instead of making a decision based on 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 Analysis
The chart below shows estimated Nissan Murano insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $774
- Raising to $1,000 deductibles will save approximately $174 a year
- The average price for a 40-year-old driver who has $500 deductibles is $1,340
- Selecting low deductibles increases the price to $1,678
- Drivers with serious driving violations could pay up to $2,904 or more
- The cost to insure a 16-year-old driver can cost as much as $5,062
Insurance rates for a Nissan Murano can also vary considerably based on policy deductibles and limits, your driver profile, and the model year and trim level.
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $520 annually, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $375 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as low as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay at least $5,000 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying $1,600 to $2,200 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 43% to 133% more than the average policy. View High Risk Driver Rates
Where you live also has a big influence on Nissan Murano insurance prices. A middle-age driver might find rates as low as $890 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,910 on average in New York, Louisiana, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,212 | -$128 | -9.6% |
| Alaska | $1,030 | -$310 | -23.1% |
| Arizona | $1,114 | -$226 | -16.9% |
| Arkansas | $1,340 | -$0 | 0.0% |
| California | $1,528 | $188 | 14.0% |
| Colorado | $1,282 | -$58 | -4.3% |
| Connecticut | $1,380 | $40 | 3.0% |
| Delaware | $1,518 | $178 | 13.3% |
| Florida | $1,678 | $338 | 25.2% |
| Georgia | $1,238 | -$102 | -7.6% |
| Hawaii | $964 | -$376 | -28.1% |
| Idaho | $908 | -$432 | -32.2% |
| Illinois | $998 | -$342 | -25.5% |
| Indiana | $1,010 | -$330 | -24.6% |
| Iowa | $906 | -$434 | -32.4% |
| Kansas | $1,276 | -$64 | -4.8% |
| Kentucky | $1,830 | $490 | 36.6% |
| Louisiana | $1,984 | $644 | 48.1% |
| Maine | $828 | -$512 | -38.2% |
| Maryland | $1,106 | -$234 | -17.5% |
| Massachusetts | $1,074 | -$266 | -19.9% |
| Michigan | $2,328 | $988 | 73.7% |
| Minnesota | $1,122 | -$218 | -16.3% |
| Mississippi | $1,606 | $266 | 19.9% |
| Missouri | $1,192 | -$148 | -11.0% |
| Montana | $1,442 | $102 | 7.6% |
| Nebraska | $1,058 | -$282 | -21.0% |
| Nevada | $1,608 | $268 | 20.0% |
| New Hampshire | $966 | -$374 | -27.9% |
| New Jersey | $1,498 | $158 | 11.8% |
| New Mexico | $1,186 | -$154 | -11.5% |
| New York | $1,412 | $72 | 5.4% |
| North Carolina | $772 | -$568 | -42.4% |
| North Dakota | $1,096 | -$244 | -18.2% |
| Ohio | $928 | -$412 | -30.7% |
| Oklahoma | $1,378 | $38 | 2.8% |
| Oregon | $1,230 | -$110 | -8.2% |
| Pennsylvania | $1,280 | -$60 | -4.5% |
| Rhode Island | $1,788 | $448 | 33.4% |
| South Carolina | $1,214 | -$126 | -9.4% |
| South Dakota | $1,134 | -$206 | -15.4% |
| Tennessee | $1,174 | -$166 | -12.4% |
| Texas | $1,618 | $278 | 20.7% |
| Utah | $994 | -$346 | -25.8% |
| Vermont | $918 | -$422 | -31.5% |
| Virginia | $804 | -$536 | -40.0% |
| Washington | $1,038 | -$302 | -22.5% |
| West Virginia | $1,230 | -$110 | -8.2% |
| Wisconsin | $928 | -$412 | -30.7% |
| Wyoming | $1,194 | -$146 | -10.9% |
With so much variability in rates, the only way to know which company is cheapest is to do a rate comparison from multiple companies. Every auto insurance company calculates rates differently, so the rates can be significantly different.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Nissan Murano S 2WD | $1,258 | $105 |
| Nissan Murano S AWD | $1,258 | $105 |
| Nissan Murano SL 2WD | $1,258 | $105 |
| Nissan Murano SL AWD | $1,300 | $108 |
| Nissan Murano LE 2WD | $1,422 | $119 |
| Nissan Murano LE AWD | $1,422 | $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 | $282 | $506 | $398 | $1,344 |
| 2023 Nissan Murano | $272 | $494 | $416 | $1,340 |
| 2022 Nissan Murano | $262 | $474 | $430 | $1,324 |
| 2021 Nissan Murano | $248 | $458 | $442 | $1,306 |
| 2020 Nissan Murano | $238 | $424 | $452 | $1,272 |
| 2019 Nissan Murano | $230 | $400 | $456 | $1,244 |
| 2018 Nissan Murano | $220 | $358 | $460 | $1,196 |
| 2017 Nissan Murano | $206 | $330 | $460 | $1,154 |
| 2016 Nissan Murano | $198 | $310 | $464 | $1,130 |
| 2015 Nissan Murano | $194 | $288 | $474 | $1,114 |
| 2014 Nissan Murano | $180 | $268 | $474 | $1,080 |
| 2013 Nissan Murano | $174 | $244 | $478 | $1,054 |
| 2012 Nissan Murano | $162 | $222 | $474 | $1,016 |
| 2011 Nissan Murano | $152 | $202 | $474 | $986 |
| 2010 Nissan Murano | $148 | $182 | $468 | $956 |
| 2009 Nissan Murano | $146 | $178 | $460 | $942 |
| 2007 Nissan Murano | $132 | $160 | $446 | $896 |
| 2006 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 Shop for Low Cost Nissan Murano Insurance
Saving money on insurance for a Nissan Murano consists of being a low-risk driver, having good credit, eliminating unneeded coverage, and taking advantage of discounts. Invest the time to compare rates every couple of years by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The items below are a review of the material that was presented in the illustrations above.
- Insureds who want more liability coverage will pay approximately $460 each year to raise from a minimum limit to a 250/500 level
- Teen drivers are charged the highest rates, costing as high as $422 per month if they have full coverage
- Drivers considered higher risk who have several accidents or serious violations pay on average $1,560 more annually to insure their Murano
- Increasing deductibles could save as much as $500 each year
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 | $5,062 |
| 20 | $3,098 |
| 30 | $1,396 |
| 40 | $1,340 |
| 50 | $1,226 |
| 60 | $1,202 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,678 |
| $250 | $1,522 |
| $500 | $1,340 |
| $1,000 | $1,166 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,340 |
| 50/100 | $1,505 |
| 100/300 | $1,609 |
| 250/500 | $1,880 |
| 100 CSL | $1,547 |
| 300 CSL | $1,776 |
| 500 CSL | $1,942 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,210 |
| 20 | $4,936 |
| 30 | $2,964 |
| 40 | $2,904 |
| 50 | $2,772 |
| 60 | $2,746 |
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 | $71 |
| Homeowner | $20 |
| 5-yr Accident Free | $97 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $60 |
| Advance Quote | $66 |
| Online Quote | $95 |
| Total Discounts | $566 |
Discounts are estimated and may not be available from every company or in every state.
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