Nissan Pathfinder 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: 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.

The average insurance prices for a Nissan Pathfinder are $1,294 every 12 months with full coverage. Comprehensive insurance costs an estimated $294, collision costs $452, and liability costs around $390. Liability-only insurance costs as low as $452 a year, with high-risk driver insurance costing $2,772 or more. 16-year-old drivers cost the most to insure at $4,798 a year or more.

Average premium for full coverage: $1,294

Policy rates broken down by type of insurance:

Comprehensive $294
Collision $452
Liability $390

Rates are based on $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for different Pathfinder trim levels.

Price Range Variability

For the average 40-year-old driver, Nissan Pathfinder insurance rates go from the cheapest price of $452 for your basic liability-only policy to a much higher rate of $2,772 for a driver required to buy high-risk insurance.

Liability Only $452
Full Coverage $1,294
High Risk $2,772

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. More rural locations are shown to have more infrequent collision claims than congested cities.

The price range example below illustrates the difference location can make on insurance prices.

Rural Areas $971
Small Cities $1,359
Large Cities $1,747

The examples above demonstrate why anyone shopping for car insurance should compare prices for a targeted area and their own driving history, 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.

More Rate Information

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

  • The best full coverage rate is $758
  • Using higher $1,000 deductibles will save approximately $170 annually
  • The average price for a good driver age 40 who has $500 deductibles is $1,294
  • Buying more expensive low deductibles for physical damage coverage costs an extra $324 every year
  • Drivers with multiple tickets or accidents could pay up to $2,772 or more
  • Policy cost to insure a teen driver with full coverage can cost as much as $4,798 or more

View Chart as Image

Nissan Pathfinder insurance cost comparison chart
Column chart showing full coverage Nissan Pathfinder insurance prices range from $758 to $4,798

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

Opting for high physical damage deductibles could cut rates by as much as $500 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $4,700 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you may be forking out $1,500 to $2,100 in extra premium every year, depending on your age. High-risk driver insurance can be as much as 44% to 130% more than the average rate. View High Risk Driver Rates

Your home state has a huge impact on Nissan Pathfinder insurance prices. A driver around age 40 might see rates as low as $930 a year in states like Utah, Ohio, and New Hampshire, or at least $1,750 on average in New York, Michigan, and Florida.

Nissan Pathfinder Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,170 -$124 -9.6%
Alaska $992 -$302 -23.3%
Arizona $1,074 -$220 -17.0%
Arkansas $1,294 -$0 0.0%
California $1,472 $178 13.8%
Colorado $1,234 -$60 -4.6%
Connecticut $1,330 $36 2.8%
Delaware $1,464 $170 13.1%
Florida $1,618 $324 25.0%
Georgia $1,194 -$100 -7.7%
Hawaii $928 -$366 -28.3%
Idaho $874 -$420 -32.5%
Illinois $962 -$332 -25.7%
Indiana $974 -$320 -24.7%
Iowa $872 -$422 -32.6%
Kansas $1,228 -$66 -5.1%
Kentucky $1,764 $470 36.3%
Louisiana $1,914 $620 47.9%
Maine $798 -$496 -38.3%
Maryland $1,066 -$228 -17.6%
Massachusetts $1,034 -$260 -20.1%
Michigan $2,248 $954 73.7%
Minnesota $1,082 -$212 -16.4%
Mississippi $1,548 $254 19.6%
Missouri $1,146 -$148 -11.4%
Montana $1,388 $94 7.3%
Nebraska $1,022 -$272 -21.0%
Nevada $1,552 $258 19.9%
New Hampshire $932 -$362 -28.0%
New Jersey $1,446 $152 11.7%
New Mexico $1,146 -$148 -11.4%
New York $1,362 $68 5.3%
North Carolina $744 -$550 -42.5%
North Dakota $1,060 -$234 -18.1%
Ohio $894 -$400 -30.9%
Oklahoma $1,328 $34 2.6%
Oregon $1,186 -$108 -8.3%
Pennsylvania $1,234 -$60 -4.6%
Rhode Island $1,726 $432 33.4%
South Carolina $1,172 -$122 -9.4%
South Dakota $1,090 -$204 -15.8%
Tennessee $1,132 -$162 -12.5%
Texas $1,560 $266 20.6%
Utah $958 -$336 -26.0%
Vermont $884 -$410 -31.7%
Virginia $774 -$520 -40.2%
Washington $998 -$296 -22.9%
West Virginia $1,186 -$108 -8.3%
Wisconsin $896 -$398 -30.8%
Wyoming $1,154 -$140 -10.8%

View Chart as Image

Nissan Pathfinder insurance rates by U.S. city

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, and quoted rates will be varied.

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 $1,194 $100
Nissan Pathfinder S 4WD $1,208 $101
Nissan Pathfinder SE 2WD $1,250 $104
Nissan Pathfinder SE 4WD $1,250 $104
Nissan Pathfinder LE 2WD $1,380 $115
Nissan Pathfinder LE 4WD $1,380 $115

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 $308 $470 $372 $1,308
2023 Nissan Pathfinder $294 $452 $390 $1,294
2022 Nissan Pathfinder $282 $448 $398 $1,286
2021 Nissan Pathfinder $272 $436 $416 $1,282
2020 Nissan Pathfinder $262 $418 $430 $1,268
2019 Nissan Pathfinder $248 $404 $442 $1,252
2018 Nissan Pathfinder $238 $374 $452 $1,222
2017 Nissan Pathfinder $230 $352 $456 $1,196
2016 Nissan Pathfinder $220 $316 $460 $1,154
2015 Nissan Pathfinder $206 $292 $460 $1,116
2014 Nissan Pathfinder $198 $272 $464 $1,092
2013 Nissan Pathfinder $194 $254 $474 $1,080
2011 Nissan Pathfinder $174 $214 $478 $1,024
2010 Nissan Pathfinder $162 $196 $474 $990
2008 Nissan Pathfinder $148 $160 $468 $934
2007 Nissan Pathfinder $146 $156 $460 $920
2006 Nissan Pathfinder $144 $150 $452 $904
2005 Nissan Pathfinder $132 $142 $446 $878
2004 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 Shop for the Best Cheap Nissan Pathfinder Insurance

Finding cheaper rates on car insurance requires avoiding accidents and claims, having a good credit score, not filing small claims, and qualifying for all possible discounts. Make time to compare rates at every policy renewal by requesting quotes from direct companies, and also from your local independent and exclusive agents.

The points below are a quick review of the data touched on in this article.

  • Policyholders who want increased liability limits will pay around $430 every year to increase from a 30/60 limit to a 250/500 level
  • You may be able to save approximately $150 per year simply by shopping early and online
  • Increasing comprehensive and collision deductibles could save as much as $500 each year
  • Drivers under the age of 20 are the costliest to insure, as much as $400 each month if comprehensive and collision insurance is included

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 $4,798
20 $2,946
30 $1,344
40 $1,294
50 $1,180
60 $1,154

Full coverage, $500 deductibles

Rates by Deductible

Nissan Pathfinder Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,618
$250 $1,470
$500 $1,294
$1,000 $1,124

Full coverage, driver age 40

Rates by Liability Limit

Nissan Pathfinder Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,294
50/100 $1,458
100/300 $1,556
250/500 $1,809
100 CSL $1,497
300 CSL $1,712
500 CSL $1,868

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Pathfinder Insurance Rates for High Risk Drivers
Age Premium
16 $6,828
20 $4,680
30 $2,828
40 $2,772
50 $2,642
60 $2,618

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 $174

Potential Rate Discounts

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

Discount Savings
Multi-policy $68
Multi-vehicle $66
Homeowner $19
5-yr Accident Free $91
5-yr Claim Free $82
Paid in Full/EFT $57
Advance Quote $62
Online Quote $91
Total Discounts $536
Rate after discounts $758

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

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