Nissan Murano Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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Nissan Murano insurance
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.

U.S. average insurance prices for a Nissan Murano are $1,306 every 12 months for full coverage insurance. Comprehensive insurance costs on average $248 each year, collision insurance costs $458, and liability costs around $442. Buying just liability costs as low as $496 a year, and insurance for high-risk drivers costs $2,836 or more. Teens pay the highest rates at up to $5,006 a year.

Average premium for full coverage: $1,306

Price estimates by individual coverage:

Comprehensive $248
Collision $458
Liability $442

Rates include $500 policy deductibles, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and Murano models.

Price Range from Low to High

For a middle-aged driver, Nissan Murano insurance prices range from the cheapest price of $496 for just the minimum liability insurance to a high rate of $2,836 for a high risk driver.

Liability Only $496
Full Coverage $1,306
High Risk $2,836

Geographic Price Range

Where you live can make a big difference on insurance rates. Rural areas have more infrequent physical damage claims than cities with more traffic congestion. The graphic below illustrates the effect of location on car insurance rates.

Rural Areas $980
Small Cities $1,371
Large Cities $1,763

The ranges above illustrate why all drivers should compare prices based on a specific location 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 illustrates average Nissan Murano insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $756
  • Using higher $1,000 deductibles will save around $162 each year
  • The average price for the average middle-age driver with $500 deductibles is $1,306
  • Selecting low deductibles for physical damage coverage costs an extra $312 annually
  • High-risk insureds with serious driving violations could pay upwards of $2,836
  • The price to insure a 16-year-old driver may cost $5,006 or more

View Chart as Image

Nissan Murano insurance cost comparison chart
Column chart showing Nissan Murano insurance prices range from $756 to $5,006 for full coverage

Insurance prices for a Nissan Murano are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your Murano.

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $480 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may pay as low as $1,200 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay upwards of $5,000 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,200 additional each year, depending on your age. Insurance for high-risk drivers can be from 44% to 137% more than the average policy. View High Risk Driver Rates

The state you live in has a huge impact on Nissan Murano insurance prices. A driver around age 40 might see prices as low as $850 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,770 on average in Michigan, New York, and Florida.

Nissan Murano Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,182 -$124 -9.5%
Alaska $1,002 -$304 -23.3%
Arizona $1,086 -$220 -16.8%
Arkansas $1,306 -$0 0.0%
California $1,488 $182 13.9%
Colorado $1,248 -$58 -4.4%
Connecticut $1,344 $38 2.9%
Delaware $1,478 $172 13.2%
Florida $1,634 $328 25.1%
Georgia $1,206 -$100 -7.7%
Hawaii $938 -$368 -28.2%
Idaho $884 -$422 -32.3%
Illinois $972 -$334 -25.6%
Indiana $984 -$322 -24.7%
Iowa $880 -$426 -32.6%
Kansas $1,242 -$64 -4.9%
Kentucky $1,782 $476 36.4%
Louisiana $1,936 $630 48.2%
Maine $806 -$500 -38.3%
Maryland $1,078 -$228 -17.5%
Massachusetts $1,046 -$260 -19.9%
Michigan $2,270 $964 73.8%
Minnesota $1,092 -$214 -16.4%
Mississippi $1,566 $260 19.9%
Missouri $1,158 -$148 -11.3%
Montana $1,404 $98 7.5%
Nebraska $1,030 -$276 -21.1%
Nevada $1,566 $260 19.9%
New Hampshire $940 -$366 -28.0%
New Jersey $1,462 $156 11.9%
New Mexico $1,158 -$148 -11.3%
New York $1,378 $72 5.5%
North Carolina $752 -$554 -42.4%
North Dakota $1,070 -$236 -18.1%
Ohio $904 -$402 -30.8%
Oklahoma $1,342 $36 2.8%
Oregon $1,198 -$108 -8.3%
Pennsylvania $1,246 -$60 -4.6%
Rhode Island $1,744 $438 33.5%
South Carolina $1,182 -$124 -9.5%
South Dakota $1,104 -$202 -15.5%
Tennessee $1,146 -$160 -12.3%
Texas $1,574 $268 20.5%
Utah $968 -$338 -25.9%
Vermont $894 -$412 -31.5%
Virginia $782 -$524 -40.1%
Washington $1,012 -$294 -22.5%
West Virginia $1,198 -$108 -8.3%
Wisconsin $904 -$402 -30.8%
Wyoming $1,166 -$140 -10.7%

View Chart as Image

Nissan Murano insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Nissan Murano Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Nissan Murano S 2WD $1,230 $103
Nissan Murano S AWD $1,230 $103
Nissan Murano SL 2WD $1,230 $103
Nissan Murano SL AWD $1,268 $106
Nissan Murano LE 2WD $1,382 $115
Nissan Murano LE AWD $1,382 $115

Rates assume 2019 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 Murano Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Nissan Murano $248 $458 $442 $1,306
2018 Nissan Murano $238 $424 $452 $1,272
2017 Nissan Murano $230 $400 $456 $1,244
2016 Nissan Murano $220 $358 $460 $1,196
2015 Nissan Murano $206 $330 $460 $1,154
2014 Nissan Murano $198 $310 $464 $1,130
2012 Nissan Murano $180 $268 $474 $1,080
2011 Nissan Murano $174 $244 $478 $1,054
2009 Nissan Murano $152 $202 $474 $986
2007 Nissan Murano $146 $178 $460 $942
2006 Nissan Murano $144 $168 $452 $922
2005 Nissan Murano $132 $160 $446 $896
2004 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 Cheaper Nissan Murano Insurance

Getting lower rates on insurance for a Nissan Murano requires being a good driver, having above-average credit, not filing small claims, and dropping full coverage on older vehicles. Take the time to shop around at least every two years by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a summary of the information that was covered in this article.

  • Increasing physical damage deductibles could save as much as $475 each year
  • It is possible to save as much as $160 per year just by quoting online in advance
  • Insureds who require an increased level of liability coverage will pay approximately $490 annually to increase from a low limit to a 250/500 level
  • Drivers age 16 to 20 pay higher prices, as much as $417 a month if full coverage is included
  • Drivers considered higher risk that have multiple accidents or serious violations pay on average $1,530 more each year than a safer driver

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

  1. https://www.iihs.org/ratings/vehicle/nissan/murano-4-door-suv/2020

Rates by Driver Age

Nissan Murano Insurance Rates by Driver Age
Driver Age Premium
16 $5,006
20 $3,026
30 $1,354
40 $1,306
50 $1,194
60 $1,172

Full coverage, $500 deductibles

Rates by Deductible

Nissan Murano Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,618
$250 $1,474
$500 $1,306
$1,000 $1,144

Full coverage, driver age 40

Rates by Liability Limit

Nissan Murano Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,306
50/100 $1,470
100/300 $1,581
250/500 $1,868
100 CSL $1,515
300 CSL $1,758
500 CSL $1,935

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Murano Insurance Rates for High Risk Drivers
Age Premium
16 $7,120
20 $4,824
30 $2,886
40 $2,836
50 $2,708
60 $2,684

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 $183

Potential Rate Discounts

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

Discount Savings
Multi-policy $69
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $94
5-yr Claim Free $84
Paid in Full/EFT $57
Advance Quote $64
Online Quote $92
Total Discounts $550
Rate after discounts $756

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

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