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. Comprehensive costs an estimated $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 around $2,762. Teen drivers receive the highest rates at $4,836 a year or more.

Average premium for full coverage: $1,282

Rate estimates broken down by individual coverage type:

Comprehensive $272
Collision $436
Liability $416

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates are averaged for all states and Pathfinder models.

Price Range by Coverage and Risk

For the normal driver, prices range go from the low end price of $474 for the bare minimum liability 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 make a big difference on insurance rates. More rural locations tend to have lower incidents of accident claims than larger metro areas.

The graphic below illustrates how geographic area affects insurance prices.

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

These examples show why all drivers should compare rates quotes for a targeted area, instead of making a decision based on price 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 Rate Information

The chart below shows estimated Nissan Pathfinder insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $749
  • Raising to $1,000 deductibles will save approximately $162 a year
  • The estimated price for a 40-year-old driver who has $500 deductibles is $1,282
  • Choosing low deductibles bumps up the cost to $1,592
  • Drivers with multiple violations and an at-fault accident could pay up to $2,762 or more
  • The cost that insures a 16-year-old driver can cost as much as $4,836

View Chart as Image

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

Insurance rates for a Nissan Pathfinder can also vary considerably based on the trim level and model year, how you drive, and liability limits and deductibles.

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

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low 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 at least $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 $850 a year in states like Iowa, Maine, and Idaho, or as much as $1,830 on average in New York, Louisiana, and Michigan.

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

Choosing high deductibles can reduce rates by up to $480 annually, whereas increasing liability limits will increase premiums. Going 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 know which company is cheapest is to do a rate comparison from multiple companies. Every auto insurance company uses a different rate calculation, 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 Cheap Nissan Pathfinder Insurance

Saving money on insurance for a Nissan Pathfinder consists of avoiding accidents and claims, having a good credit score, eliminating unneeded coverage, and maximizing policy discounts. Shop around every year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a brief summary of the coverage data presented in the illustrations above.

  • Drivers can save approximately $150 per year simply by quoting online in advance
  • Increasing deductibles can save approximately $475 each year
  • Drivers under the age of 20 are expensive to insure, costing as high as $403 per month if comprehensive and collision insurance is included
  • Drivers considered higher risk that tend to have accidents or serious violations may pay on average $1,480 more annually to insure a Nissan Pathfinder

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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