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 rates for a Nissan Pathfinder are $1,286 a year including full coverage. Comprehensive insurance costs on average $282, collision costs $448, and liability costs around $398. A liability-only policy costs as low as $460 a year, with high-risk insurance costing $2,762 or more. Teen drivers cost the most to insure at $4,808 a year or more.

Average premium for full coverage: $1,286

Policy rates by type of insurance:

Includes $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for different Pathfinder trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

The price range example below illustrates how location helps determine car insurance rates.

The examples above highlight why anyone shopping for car insurance should compare prices based on a specific location and risk profile, instead of making a decision based on price averages.

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

Additional Rate Information

The chart below breaks down estimated Nissan Pathfinder insurance rates for different risk profiles and scenarios.

• The lowest rate with discounts is $753
• Using higher $1,000 deductibles will save around $166 every year
• The average rate for a good driver age 40 with $500 deductibles is $1,286
• Choosing more expensive low deductibles for physical damage coverage will cost an extra $318 annually
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $2,762 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage may cost $4,808 or more

View Chart as Image

Car insurance rates for a Nissan Pathfinder also range considerably based on your risk profile, the model of your Pathfinder, and policy deductibles and limits.

An older driver with no driving violations and high deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $4,800 a year. View Rates by Age

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

View Chart as Image

Choosing high deductibles could cut rates by as much as $490 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $358 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance can be from 44% to 130% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates from multiple companies. Each insurance company uses a different rate calculation, so rate quotes will be varied from one company to the next.

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 Find the Cheapest Nissan Pathfinder Insurance

Finding cheaper rates on insurance for a Nissan Pathfinder requires being a good driver, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Invest time comparing rates at least once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a recap of the primary concepts that were covered in the charts and tables above.

• You may be able to save as much as $150 per year simply by shopping early and online
• Drivers considered higher risk that have major violations or accidents may pay on average $1,480 more each year than a safer driver
• Increasing comprehensive and collision deductibles can save around $475 each year
• Drivers age 16 to 20 are expensive to insure, with premiums being up to $401 each month if full coverage 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.

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.