Nissan Pathfinder Insurance Rates

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UPDATED: May 15, 2024

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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.

Average insurance rates for a Nissan Pathfinder are $1,282 a year for full coverage insurance. Comprehensive insurance costs around $272 each year, collision costs $436, and liability is $416. A policy with just liability insurance costs around $474 a year, with coverage for high-risk drivers costing $2,762 or more. 16-year-old drivers receive the highest rates at $4,836 a year or more.

Average premium for full coverage: $1,282

Rate estimates for individual coverage type:

Comprehensive $272
Collision $436
Liability $416

Estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and Pathfinder models.

Price Range by Coverage and Risk

For the average driver, prices range go from the low end price of $474 for liability-only coverage to a high rate of $2,762 for a policy for a high-risk driver.

Liability Only $474
Full Coverage $1,282
High Risk $2,762

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than congested cities.

The graphic below illustrates how location impacts auto insurance rates.

Rural Areas $962
Small Cities $1,346
Large Cities $1,731

These examples illustrate why all drivers should compare rates quotes for a specific zip code, instead of 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.

Additional Charts and Tables

The chart below illustrates estimated Nissan Pathfinder insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $749
  • Raising to $1,000 deductibles will save about $162 each year
  • The estimated price for a 40-year-old driver using $500 deductibles is $1,282
  • Buying low deductibles will cost an additional $310 every year
  • At-risk drivers with multiple tickets or accidents could pay at least $2,762 or more
  • The cost that insures a teen driver can be $4,836

View Chart as Image

Nissan Pathfinder insurance cost comparison chart
Column chart showing full coverage Nissan Pathfinder insurance prices range from $749 to $4,836

Insurance rates for a Nissan Pathfinder can also vary considerably based on the trim level and model year, your age and driving record, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are probably paying at least $1,500 to $2,100 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 43% to 130% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,200 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $4,800 a year. View Rates by Age

Where you live also has a big influence on Nissan Pathfinder insurance prices. A middle-age driver might find rates as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,730 on average in Michigan, New York, and Florida.

Nissan Pathfinder Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,160 -$122 -9.5%
Alaska $984 -$298 -23.2%
Arizona $1,066 -$216 -16.8%
Arkansas $1,282 -$0 0.0%
California $1,462 $180 14.0%
Colorado $1,226 -$56 -4.4%
Connecticut $1,320 $38 3.0%
Delaware $1,452 $170 13.3%
Florida $1,606 $324 25.3%
Georgia $1,186 -$96 -7.5%
Hawaii $922 -$360 -28.1%
Idaho $868 -$414 -32.3%
Illinois $956 -$326 -25.4%
Indiana $968 -$314 -24.5%
Iowa $866 -$416 -32.4%
Kansas $1,220 -$62 -4.8%
Kentucky $1,752 $470 36.7%
Louisiana $1,898 $616 48.0%
Maine $792 -$490 -38.2%
Maryland $1,058 -$224 -17.5%
Massachusetts $1,026 -$256 -20.0%
Michigan $2,228 $946 73.8%
Minnesota $1,074 -$208 -16.2%
Mississippi $1,536 $254 19.8%
Missouri $1,140 -$142 -11.1%
Montana $1,380 $98 7.6%
Nebraska $1,012 -$270 -21.1%
Nevada $1,538 $256 20.0%
New Hampshire $924 -$358 -27.9%
New Jersey $1,434 $152 11.9%
New Mexico $1,134 -$148 -11.5%
New York $1,352 $70 5.5%
North Carolina $740 -$542 -42.3%
North Dakota $1,050 -$232 -18.1%
Ohio $888 -$394 -30.7%
Oklahoma $1,318 $36 2.8%
Oregon $1,176 -$106 -8.3%
Pennsylvania $1,224 -$58 -4.5%
Rhode Island $1,710 $428 33.4%
South Carolina $1,162 -$120 -9.4%
South Dakota $1,084 -$198 -15.4%
Tennessee $1,124 -$158 -12.3%
Texas $1,548 $266 20.7%
Utah $952 -$330 -25.7%
Vermont $878 -$404 -31.5%
Virginia $770 -$512 -39.9%
Washington $994 -$288 -22.5%
West Virginia $1,176 -$106 -8.3%
Wisconsin $888 -$394 -30.7%
Wyoming $1,142 -$140 -10.9%

View Chart as Image

Nissan Pathfinder insurance rates by U.S. city

Opting for high physical damage deductibles can reduce rates by up to $480 every year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $375 more each year. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out your exact price is to do a rate comparison and see which company has the best rate. Every auto insurance company utilizes a different rate formula, and rates can be significantly different.

Insurance Rates by Trim Level and Model Year

Nissan Pathfinder Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Nissan Pathfinder S 2WD $1,188 $99
Nissan Pathfinder S 4WD $1,200 $100
Nissan Pathfinder SE 2WD $1,242 $104
Nissan Pathfinder SE 4WD $1,242 $104
Nissan Pathfinder LE 2WD $1,364 $114
Nissan Pathfinder LE 4WD $1,364 $114

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.

Nissan Pathfinder Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Nissan Pathfinder $282 $448 $398 $1,286
2023 Nissan Pathfinder $272 $436 $416 $1,282
2022 Nissan Pathfinder $262 $418 $430 $1,268
2021 Nissan Pathfinder $248 $404 $442 $1,252
2020 Nissan Pathfinder $238 $374 $452 $1,222
2019 Nissan Pathfinder $230 $352 $456 $1,196
2018 Nissan Pathfinder $220 $316 $460 $1,154
2017 Nissan Pathfinder $206 $292 $460 $1,116
2016 Nissan Pathfinder $198 $272 $464 $1,092
2015 Nissan Pathfinder $194 $254 $474 $1,080
2014 Nissan Pathfinder $180 $236 $474 $1,048
2013 Nissan Pathfinder $174 $214 $478 $1,024
2011 Nissan Pathfinder $152 $178 $474 $962
2010 Nissan Pathfinder $148 $160 $468 $934
2008 Nissan Pathfinder $144 $150 $452 $904
2007 Nissan Pathfinder $132 $142 $446 $878
2006 Nissan Pathfinder $126 $134 $442 $860

Rates are averaged for all Nissan Pathfinder 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 Low Cost Nissan Pathfinder Insurance

Saving money on car insurance consists of having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Comparison shop every year by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a review of the coverage data touched on above.

  • It is possible to save up to $150 per year simply by quoting online in advance
  • Increasing deductibles can save approximately $475 each year
  • 16 to 18-year-old drivers are charged the highest rates, costing up to $403 per month if comprehensive and collision insurance is included
  • Higher risk drivers who have several accidents or serious violations could be forced to pay on average $1,480 more every year than a driver with a clean driving record

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.

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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.

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.

Rates by Driver Age

Nissan Pathfinder Insurance Rates by Driver Age
Driver Age Premium
16 $4,836
20 $2,938
30 $1,332
40 $1,282
50 $1,174
60 $1,150

Full coverage, $500 deductibles

Rates by Deductible

Nissan Pathfinder Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,592
$250 $1,450
$500 $1,282
$1,000 $1,120

Full coverage, driver age 40

Rates by Liability Limit

Nissan Pathfinder Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,282
50/100 $1,447
100/300 $1,551
250/500 $1,822
100 CSL $1,489
300 CSL $1,718
500 CSL $1,884

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Pathfinder Insurance Rates for High Risk Drivers
Age Premium
16 $6,874
20 $4,676
30 $2,816
40 $2,762
50 $2,636
60 $2,610

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 $175

Potential Rate Discounts

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

Discount Savings
Multi-policy $67
Multi-vehicle $67
Homeowner $20
5-yr Accident Free $90
5-yr Claim Free $82
Paid in Full/EFT $56
Advance Quote $61
Online Quote $90
Total Discounts $533
Rate after discounts $749

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

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