Nissan Murano Insurance Rates
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Michelle Robbins
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UPDATED: Jun 3, 2023
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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 auto insurance rates for a Nissan Murano are $1,340 annually for full coverage insurance. Comprehensive costs on average $272, collision costs $494, and liability insurance is $416. A policy with just liability insurance costs around $474 a year, with coverage for high-risk drivers costing around $2,904. 16-year-old drivers receive the highest rates at $5,062 a year or more.
Average premium for full coverage: $1,340
Rate estimates by individual coverage type:
Rates are based on $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 states and for all Murano models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $474 for just liability coverage to the much higher price of $2,904 for a high-risk insurance policy.
Price Range by Location
Choosing to live in a large city has a significant impact on insurance rates. Rural areas tend to have fewer physical damage claims than congested cities.
The example below illustrates how rural and urban location affects car insurance rates.
These examples illustrate why everyone should compare rates quotes based on a specific location and their own personal driving habits, rather than relying on 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 illustrates estimated Nissan Murano insurance rates for different risk profiles and scenarios.
- The best full coverage rate is $774
- Raising to $1,000 deductibles will save around $174 each year
- The estimated rate for a 40-year-old driver with $500 deductibles is $1,340
- Buying pricier low deductibles will cost $1,678
- Higher-risk drivers with multiple tickets or accidents could pay upwards of $2,904 or more
- The cost with full coverage for a teen driver for full coverage may cost $5,062
Insurance rates for a Nissan Murano can also vary considerably based on the trim level of your Murano, your risk profile, and policy deductibles and limits.
A more mature driver with no violations or accidents and high physical damage deductibles could pay as little as $1,300 every 12 months on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $5,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,600 to $2,200 additional per year, depending on your age. Nissan Murano insurance for high-risk drivers is expensive and can cost anywhere from 43% to 133% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles can reduce rates by up to $520 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $375 more each year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Nissan Murano insurance rates. A middle-age driver might find rates as low as $880 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,810 on average in Michigan, New York, and Florida.
| 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 figure out exactly what you will pay is to regularly compare rates from as many companies as possible. Every auto insurance company utilizes a different rate formula, and rates can be significantly different between companies.
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 Buy the Best Cheap Nissan Murano Insurance
Saving money on Nissan Murano insurance consists of having a decent driving record, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Set aside time to shop around at least every other year by getting quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.
The following items are a quick review of the car insurance concepts raised in the charts and tables above.
- High-risk drivers with a DUI or reckless driving violation may pay on average $1,560 more each year than a driver with a clean driving record
- It is possible to save as much as $160 per year simply by quoting online well ahead of the renewal date
- Increasing deductibles could save up to $500 each year
- Drivers who require additional liability coverage will pay around $460 annually to raise from a minimum limit to higher 250/500 limits
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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