Nissan Murano Insurance Rates
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UPDATED: Jun 6, 2023
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Many people ask us, “What is the Nissan Murano cost of insurance?” and “Are Nissan Muranos expensive to insure?” Most drivers will pay an average of $1,370 a year, or $114 a month. Our comprehensive guide breaks down Nissan Murano insurance rates so drivers can find savings. Read on.
To start comparison shopping for Nissan Murano insurance rates today, enter your ZIP code in our free tool above.
The average auto insurance rates for a Nissan Murano are $1,306 annually for full coverage. Comprehensive costs around $248, collision insurance costs $458, and liability costs $442. Liability-only insurance costs as little as $496 a year, and high-risk driver insurance costs around $2,836. Teens cost the most to insure at up to $5,006 a year.
Average premium for full coverage: $1,306
Policy rates for type of insurance:
Price estimates include $500 policy deductibles, minimum liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for all Murano models.
Price Range Variability
Using a 40-year-old driver as an example, Nissan Murano insurance rates range from as cheap as $496 for a discount liability-only rate to the much higher price of $2,836 for high-risk insurance.
Urban vs. Rural Price Range
Your location can make a big difference on auto insurance rates. Areas with sparse population are shown to have fewer accident claims than cities with more traffic congestion. The example below illustrates how rural and urban location affects auto insurance rates.
The examples above show why everyone should compare rates for a specific zip code and their own personal driving habits, instead of making a decision based on averaged prices.
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.
Rates by State, City, and Model
The chart below shows average Nissan Murano insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $756
- Drivers who choose higher $1,000 deductibles will pay about $162 a year
- The estimated rate for a good driver age 40 using $500 deductibles is $1,306
- Selecting pricier low deductibles for comprehensive and collision insurance will cost $1,618
- Drivers with serious driving violations could pay at least $2,836
- Policy cost with full coverage for a 16-year-old driver for full coverage can be $5,006 a year
Auto insurance rates for a Nissan Murano also range considerably based on the model year and trim level, your driver profile, and deductibles and policy limits.
A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay as much as $5,000 a year. View Rates by Age
If you have a few points on your driving record or you caused a few accidents, you could be paying at least $1,600 to $2,200 in extra premium every year, depending on your age. Nissan Murano insurance for high-risk drivers can cost from 44% to 137% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles could save up to $480 annually, whereas buying more liability protection will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit
Your home state makes a big difference in Nissan Murano insurance prices. A 40-year-old driver could pay as low as $860 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,870 on average in Michigan, Louisiana, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,182 | -$124 | -9.5% |
| Alaska | $1,002 | -$304 | -23.3% |
| Arizona | $1,086 | -$220 | -16.8% |
| Arkansas | $1,306 | -$0 | 0.0% |
| California | $1,488 | $182 | 13.9% |
| Colorado | $1,248 | -$58 | -4.4% |
| Connecticut | $1,344 | $38 | 2.9% |
| Delaware | $1,478 | $172 | 13.2% |
| Florida | $1,634 | $328 | 25.1% |
| Georgia | $1,206 | -$100 | -7.7% |
| Hawaii | $938 | -$368 | -28.2% |
| Idaho | $884 | -$422 | -32.3% |
| Illinois | $972 | -$334 | -25.6% |
| Indiana | $984 | -$322 | -24.7% |
| Iowa | $880 | -$426 | -32.6% |
| Kansas | $1,242 | -$64 | -4.9% |
| Kentucky | $1,782 | $476 | 36.4% |
| Louisiana | $1,936 | $630 | 48.2% |
| Maine | $806 | -$500 | -38.3% |
| Maryland | $1,078 | -$228 | -17.5% |
| Massachusetts | $1,046 | -$260 | -19.9% |
| Michigan | $2,270 | $964 | 73.8% |
| Minnesota | $1,092 | -$214 | -16.4% |
| Mississippi | $1,566 | $260 | 19.9% |
| Missouri | $1,158 | -$148 | -11.3% |
| Montana | $1,404 | $98 | 7.5% |
| Nebraska | $1,030 | -$276 | -21.1% |
| Nevada | $1,566 | $260 | 19.9% |
| New Hampshire | $940 | -$366 | -28.0% |
| New Jersey | $1,462 | $156 | 11.9% |
| New Mexico | $1,158 | -$148 | -11.3% |
| New York | $1,378 | $72 | 5.5% |
| North Carolina | $752 | -$554 | -42.4% |
| North Dakota | $1,070 | -$236 | -18.1% |
| Ohio | $904 | -$402 | -30.8% |
| Oklahoma | $1,342 | $36 | 2.8% |
| Oregon | $1,198 | -$108 | -8.3% |
| Pennsylvania | $1,246 | -$60 | -4.6% |
| Rhode Island | $1,744 | $438 | 33.5% |
| South Carolina | $1,182 | -$124 | -9.5% |
| South Dakota | $1,104 | -$202 | -15.5% |
| Tennessee | $1,146 | -$160 | -12.3% |
| Texas | $1,574 | $268 | 20.5% |
| Utah | $968 | -$338 | -25.9% |
| Vermont | $894 | -$412 | -31.5% |
| Virginia | $782 | -$524 | -40.1% |
| Washington | $1,012 | -$294 | -22.5% |
| West Virginia | $1,198 | -$108 | -8.3% |
| Wisconsin | $904 | -$402 | -30.8% |
| Wyoming | $1,166 | -$140 | -10.7% |
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Nissan Murano S 2WD | $1,230 | $103 |
| Nissan Murano S AWD | $1,230 | $103 |
| Nissan Murano SL 2WD | $1,230 | $103 |
| Nissan Murano SL AWD | $1,268 | $106 |
| Nissan Murano LE 2WD | $1,382 | $115 |
| Nissan Murano LE AWD | $1,382 | $115 |
Rates assume 2019 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2019 Nissan Murano | $248 | $458 | $442 | $1,306 |
| 2018 Nissan Murano | $238 | $424 | $452 | $1,272 |
| 2017 Nissan Murano | $230 | $400 | $456 | $1,244 |
| 2016 Nissan Murano | $220 | $358 | $460 | $1,196 |
| 2015 Nissan Murano | $206 | $330 | $460 | $1,154 |
| 2014 Nissan Murano | $198 | $310 | $464 | $1,130 |
| 2012 Nissan Murano | $180 | $268 | $474 | $1,080 |
| 2011 Nissan Murano | $174 | $244 | $478 | $1,054 |
| 2009 Nissan Murano | $152 | $202 | $474 | $986 |
| 2007 Nissan Murano | $146 | $178 | $460 | $942 |
| 2006 Nissan Murano | $144 | $168 | $452 | $922 |
| 2005 Nissan Murano | $132 | $160 | $446 | $896 |
| 2004 Nissan Murano | $126 | $152 | $442 | $878 |
Rates are averaged for all Nissan Murano models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Buy Cheaper Nissan Murano Insurance
Finding cheaper rates on insurance for a Nissan Murano not only requires being a good driver, but also having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Set aside time to shop around every couple of years by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.
The following list is a condensed summary of the material that was raised in the charts and tables above.
- Insureds who may need an increased level of liability coverage will pay approximately $490 each year to go from a 30/60 limit to higher 250/500 limits
- Drivers age 16 to 20 are expensive to insure, costing up to $417 each month if full coverage is included
- Drivers considered higher risk with multiple at-fault accidents pay an average of $1,530 more every year than a safer driver
- Increasing comprehensive and collision deductibles could save up to $475 each year
Regardless of whether you have an old Nissan Murano or a Nissan Murano 17.5, shopping for insurance will help you save on rates. So if you worried about how much does a 2018 or 2015 Nissan Murano cost to insure, find out for sure by getting quotes.
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What are the safety ratings of the Nissan Murano?
A car with great safety features and ratings will cost less to insure. The Nissan Murano’s best safety features include brake assist, electronic stability control, blind-spot monitor, lane departure warning, and lane-keeping assist.
The 2020 Nissan Murano also has great crash test ratings from the Insurance Insitute for Highway Safety (IIHS), which we listed below.
- Small overlap front (driver-side): Good
- Small overlap front (passenger-side): Good
- Moderate overlap front: Good
- Side: Good
- Roof strength: Good
- Head restraints and seats: Good
To understand how the IIHS crash tests vehicles, watch the video below.
Nissan Murano Compared Against Other Vehicles in the Same Class
The class and size of a vehicle affect liability rates. The Nissan Murano is a midsize SUV. The IIHS recorded the Nissan Murano’s liability losses as average and better than average, which is good. It means the Nissan Murano should have normal rates for liability insurance.
The list of midsize SUVs below will help you compare the Nissan Murano’s prices and ratings to other vehicles in its class.
Frequently Asked Questions
- Is the Nissan Murano a reliable car? It’s a value pick for midsize SUV class but there are better options in this class of vehicle.
To jump right into finding cheap Nissan Murano insurance rates, enter your ZIP code in our free tool.
References
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,006 |
| 20 | $3,026 |
| 30 | $1,354 |
| 40 | $1,306 |
| 50 | $1,194 |
| 60 | $1,172 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,618 |
| $250 | $1,474 |
| $500 | $1,306 |
| $1,000 | $1,144 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,306 |
| 50/100 | $1,470 |
| 100/300 | $1,581 |
| 250/500 | $1,868 |
| 100 CSL | $1,515 |
| 300 CSL | $1,758 |
| 500 CSL | $1,935 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,120 |
| 20 | $4,824 |
| 30 | $2,886 |
| 40 | $2,836 |
| 50 | $2,708 |
| 60 | $2,684 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $69 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $94 |
| 5-yr Claim Free | $84 |
| Paid in Full/EFT | $57 |
| Advance Quote | $64 |
| Online Quote | $92 |
| Total Discounts | $550 |
Discounts are estimated and may not be available from every company or in every state.
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