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 for full coverage. Comprehensive insurance costs on average $282, collision insurance costs $448, and liability insurance is estimated at $398. Buying just liability costs approximately $460 a year, and insurance for high-risk drivers costs $2,762 or more. 16-year-old drivers cost the most to insure at up to $4,808 a year.

Average premium for full coverage: $1,286

Policy rates by type of insurance:

Includes $500 deductible amounts, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all Pathfinder models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have lower incidents of accident claims than congested cities. The example below illustrates how location impacts car insurance rates.

The examples above show why everyone should get quotes based on a specific location, rather than relying on rate averages.

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

Rates by State, City, and Model

The chart below shows average Nissan Pathfinder insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $753
• Choosing higher $1,000 deductibles can save around $166 a year
• The estimated price for a good driver age 40 with $500 deductibles is $1,286
• Buying pricier low deductibles for comp and collision coverage will cost an additional $318 a year
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,762
• Policy cost that insures a teen driver for full coverage may cost $4,808 each year

View Chart as Image

Insurance rates for a Nissan Pathfinder also range considerably based on the model of your Pathfinder, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,500 to $2,100 extra every year, depending on your age. Nissan Pathfinder insurance for high-risk drivers ranges anywhere from 44% to 130% more than the average rate. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $1,200 annually on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay upwards of $4,800 a year. View Rates by Age

Your home state plays a big part in determining prices for Nissan Pathfinder insurance rates. A good driver about age 40 could pay as low as $850 a year in states like Idaho, Maine, and Iowa, or at least $1,840 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles can save as much as $490 each year, whereas buying more liability protection will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

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 Nissan Pathfinder insurance takes having a good driving record, having above-average credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Comparison shop every couple of years by requesting rates from direct carriers, and also from local exclusive and independent agents.

The next list is a recap of the material that was touched on above.

• Drivers who require increased levels of liability coverage will pay around $440 each year to raise limits from a 30/60 limit to the 250/500 level
• Drivers age 20 and younger pay the highest rates, costing up to $401 each month if full coverage is included
• High-risk drivers that have major violations or accidents may pay on average $1,480 more each year to buy Nissan Pathfinder insurance
• Increasing comprehensive and collision deductibles can save approximately $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.