Nissan Pathfinder Insurance Rates

Average Nissan Pathfinder insurance rates amount to $1,308 a year for full coverage. This figure fluctuates based on a variety of factors such as the age, location, and driving record of the policyholder. 

In order to make Nissan Pathfinder insurance costs easy to understand, we have prepared this comprehensive guide. The details contained in this article will help you on your way to securing an affordable Nissan Pathfinder insurance policy that you can feel confident about.

When you’re ready, read through the helpful information below and don’t forget to use our free online tool to start comparing Nissan Pathfinder quotes today.

The average insurance prices for a Nissan Pathfinder are $1,286 every 12 months including full coverage. Comprehensive insurance costs around $282 each year, collision insurance costs $448, and liability insurance costs around $398. Liability-only coverage costs as low as $460 a year, and high-risk coverage costs $2,762 or more. Teens cost the most to insure at up to $4,808 a year.

Average premium for full coverage: $1,286

Policy rates for type of insurance:

Estimates include $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Pathfinder models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how your location can change auto insurance rates.

The examples above highlight why all drivers should compare prices for a specific zip code and their own driving history, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

More Rate Details

The chart below breaks down average Nissan Pathfinder insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $753
• Using higher $1,000 deductibles will save about $166 every year
• The average price for a good driver age 40 using $500 deductibles is $1,286
• Selecting low deductibles for physical damage coverage costs an extra $318 a year
• Drivers with serious driving violations could pay at least $2,762
• Policy cost to insure a teen driver can be $4,808 or more

View Chart as Image

Insurance rates for a Nissan Pathfinder also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $490 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay as much as $4,800 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,500 to $2,100 additional every year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Nissan Pathfinder insurance rates. A driver around age 40 might see rates as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,840 on average in Michigan, New York, and Louisiana.

View Chart as Image

Insurance Rates by Trim Level and Model Year

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.

How to Shop for Low Cost Nissan Pathfinder Insurance

Finding cheaper rates on Nissan Pathfinder insurance requires being a good driver, having above-average credit, paying for small claims out-of-pocket, and deciding if full coverage is necessary. Invest the time to shop around every couple of years by requesting rates from direct car insurance companies, and also from insurance agencies where you live.

The following list is a review of the material that was illustrated above.

• Drivers who may need an increased level of liability coverage will pay approximately $440 per year to increase from a 30/60 limit to a 250/500 level
• Drivers age 16 to 20 are charged the highest rates, with premiums being up to $401 each month if full coverage is included
• High-risk drivers who have several accidents or serious violations could be forced to pay on average $1,480 more every year than a safer driver
• Increasing comprehensive and collision deductibles could save as much as $475 each year

You might have noticed that insurance companies consider a wide assortment of factors when providing customers with quotes. However, you can receive Nissan Pathfinder quotes in real-time by using our free tool below.

What are the safety ratings of the Nissan Pathfinder?

It’s important to consider the Nissan Pathfinder safety ratings to get a good idea of where you might qualify for policy discounts. The ratings below show the breakdown of the crash test ratings for this model as determined by the Insurance Institute for Highway Safety (IIHS).

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Acceptable
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

As you can see from the results, the Nissan Pathfinder earned the highest mark possible in every category with the exception of the small overlap on the passenger’s side of the vehicle.

Nissan Pathfinder Compared Against Other Vehicles in the Same Class

Classified as a midsized SUV, the Nissan Pathfinder has a heavier curb weight, which contributes positively to a higher overall safety rating. 

Take a look at the following midsize SUVs to see how their average insurance rates compare to the Nissan Pathfinder.

• Buick Enclave
• Honda Pilot
• Volkswagen Tiguan

When it comes down to the figures, the IIHS reports that the Nissan Pathfinder has a bodily injury loss percentage of 9 percent and a property damage loss percentage of 13 percent. These figures are around the average for this vehicle class, making Nissan Pathfinder insurance rates standard for the industry.

Now that we have gone into great detail about how insurance rates are determined, is there anything you want to know more about? If not, be sure to use our free online tool to start comparing Nissan Pathfinder insurance quotes from multiple providers today.