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 prices for a Nissan Pathfinder are $1,286 every 12 months with full coverage. Comprehensive insurance costs an estimated $282 a year, collision costs $448, and liability insurance is $398. Liability-only insurance costs around $460 a year, with high-risk driver insurance costing $2,762 or more. Teens cost the most to insure at $4,808 a year or more.

Average premium for full coverage: $1,286

Policy rates broken down by type of insurance:

Prices include $500 comprehensive and collision deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Pathfinder trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a significant impact on car insurance rates. More rural locations are shown to have more infrequent collision claims than cities with more traffic congestion.

The diagram below illustrates how your location can change insurance prices.

The examples above demonstrate why it is important to compare rates quotes for a targeted area and their own driving history, rather than relying on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $753
• Raising to $1,000 deductibles will save approximately $1,120 annually
• The average price for a good driver age 40 who has $500 deductibles is $1,286
• Selecting low $100 deductibles costs an extra $318 a year
• Higher-risk drivers with serious driving violations could pay up to $2,762 or more
• Policy cost to insure a teen driver can cost as much as $4,808

View Chart as Image

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.

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $490 each year, while buying higher liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $4,800 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. A high-risk auto insurance policy is expensive and can cost anywhere from 44% to 130% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Nissan Pathfinder insurance rates. A middle-age driver might find rates as low as $930 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,740 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from as many companies as possible. Every auto insurance company calculates rates differently, and quoted rates will be varied.

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 Shop for the Right Nissan Pathfinder Insurance

Finding cheaper rates on Nissan Pathfinder insurance consists of avoiding accidents and violations, having a good credit score, not filing small claims, and qualifying for all possible discounts. Invest the time to shop around every couple of years by getting quotes from direct companies, and also from your local independent and exclusive agents.

The list below is a quick rundown of the material that was illustrated above.

• Drivers who want higher liability limits will pay approximately $440 every year to raise from a 30/60 limit to a 250/500 level
• Teenagers are the costliest to insure, as much as $401 each month if comprehensive and collision insurance is included
• High-risk drivers with reckless driving or DUI convictions may pay on average $1,480 more annually for car insurance
• Increasing comprehensive and collision deductibles could save as much as $475 each year

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.