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 $1,282 a year for full coverage. Comprehensive insurance costs an estimated $272, collision costs $436, and liability coverage is $416. A liability-only policy costs around $474 a year, with high-risk insurance costing $2,762 or more. Teens cost the most to insure at $4,836 a year or more.

Average premium for full coverage: $1,282

Policy rates broken down by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different Pathfinder trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on insurance rates. More rural locations are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The price range example below illustrates how where you live affects insurance prices.

The examples above show why anyone shopping for car insurance should compare rates quotes for a targeted area and risk profile, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $749
• Raising to $1,000 deductibles will save approximately $162 a year
• The average rate for a good driver age 40 who has $500 deductibles is $1,282
• Selecting more expensive low deductibles will cost an extra $310 each year
• Unlucky drivers with serious driving violations could pay up to $2,762 or more
• Policy cost for full coverage for a teenage driver with full coverage can cost as much as $4,836

View Chart as Image

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

An older driver with no driving violations and high deductibles may only pay around $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $4,800 a year. View Rates by Age

Your home state also has a big influence on Nissan Pathfinder insurance rates. A middle-age driver might find rates as low as $850 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,830 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $480 a year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $375 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 could be paying $1,500 to $2,100 extra every year, depending on your age. High-risk driver insurance is expensive and can cost around 43% to 130% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know which auto insurance is cheapest is to compare rates and see how they stack up. Every auto insurance company calculates rates differently, 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 Affordable Nissan Pathfinder Insurance

Finding cheaper rates on auto insurance consists of having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Take the time to comparison shop at every policy renewal by getting rate quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following items are a brief review of the data touched on in the above illustrations.

• Consumers who want additional liability coverage will pay approximately $460 each year to raise from a 30/60 limit to 250/500 limits
• Drivers can save approximately $150 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save around $475 each year
• 16 to 18-year-old drivers have the highest car insurance rates, costing up to $403 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.