Nissan Murano Insurance Rates
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Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 30, 2024
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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.
Average auto insurance rates for a Nissan Murano are $1,344 annually including full coverage. Comprehensive insurance costs an estimated $282, collision costs $506, and liability costs around $398. Buying just liability costs as low as $460 a year, with insurance for high-risk drivers costing $2,908 or more. Teenage drivers receive the highest rates at $5,040 a year or more.
Average premium for full coverage: $1,344
Rate estimates broken down by individual coverage type:
Includes $500 policy deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and for all Murano models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from as cheap as $460 for just liability insurance to the much higher price of $2,908 for high-risk insurance.
Price Range by Location
Where you live can make a big difference on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than densely populated cities.
The example below illustrates the difference between rural and urban areas on insurance prices.
These examples highlight why everyone should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on average rates.
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.
More Rate Details
The chart below breaks down estimated Nissan Murano insurance rates for other coverage scenarios.
- The best discount rate is $777
- Using higher $1,000 deductibles will save approximately $178 every year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $1,344
- Using pricier low deductibles for physical damage coverage costs an additional $348 annually
- High-risk insureds who are prone to accidents and violations could pay up to $2,908 or more
- The cost with full coverage for a 16-year-old driver for full coverage can cost as much as $5,040 or more
Auto insurance rates for a Nissan Murano can also vary considerably based on the trim level of your Murano, your driving characteristics, and liability limits and deductibles.
A more mature driver with a good driving record and high physical damage deductibles may pay as low as $1,300 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $5,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying $1,600 to $2,200 in extra premium per year, depending on your age. Nissan Murano insurance for high-risk drivers can be from 44% to 133% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could cut rates by as much as $530 annually, whereas buying more liability protection will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $358 extra every year. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Nissan Murano insurance prices. A driver around age 40 might see rates as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,920 on average in Louisiana, New York, and Michigan.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,216 | -$128 | -9.5% |
| Alaska | $1,032 | -$312 | -23.2% |
| Arizona | $1,116 | -$228 | -17.0% |
| Arkansas | $1,344 | -$0 | 0.0% |
| California | $1,534 | $190 | 14.1% |
| Colorado | $1,284 | -$60 | -4.5% |
| Connecticut | $1,384 | $40 | 3.0% |
| Delaware | $1,522 | $178 | 13.2% |
| Florida | $1,684 | $340 | 25.3% |
| Georgia | $1,242 | -$102 | -7.6% |
| Hawaii | $966 | -$378 | -28.1% |
| Idaho | $910 | -$434 | -32.3% |
| Illinois | $1,004 | -$340 | -25.3% |
| Indiana | $1,012 | -$332 | -24.7% |
| Iowa | $908 | -$436 | -32.4% |
| Kansas | $1,280 | -$64 | -4.8% |
| Kentucky | $1,836 | $492 | 36.6% |
| Louisiana | $1,990 | $646 | 48.1% |
| Maine | $830 | -$514 | -38.2% |
| Maryland | $1,108 | -$236 | -17.6% |
| Massachusetts | $1,078 | -$266 | -19.8% |
| Michigan | $2,338 | $994 | 74.0% |
| Minnesota | $1,126 | -$218 | -16.2% |
| Mississippi | $1,614 | $270 | 20.1% |
| Missouri | $1,194 | -$150 | -11.2% |
| Montana | $1,444 | $100 | 7.4% |
| Nebraska | $1,062 | -$282 | -21.0% |
| Nevada | $1,614 | $270 | 20.1% |
| New Hampshire | $970 | -$374 | -27.8% |
| New Jersey | $1,504 | $160 | 11.9% |
| New Mexico | $1,194 | -$150 | -11.2% |
| New York | $1,418 | $74 | 5.5% |
| North Carolina | $776 | -$568 | -42.3% |
| North Dakota | $1,100 | -$244 | -18.2% |
| Ohio | $930 | -$414 | -30.8% |
| Oklahoma | $1,382 | $38 | 2.8% |
| Oregon | $1,232 | -$112 | -8.3% |
| Pennsylvania | $1,284 | -$60 | -4.5% |
| Rhode Island | $1,796 | $452 | 33.6% |
| South Carolina | $1,222 | -$122 | -9.1% |
| South Dakota | $1,136 | -$208 | -15.5% |
| Tennessee | $1,178 | -$166 | -12.4% |
| Texas | $1,622 | $278 | 20.7% |
| Utah | $996 | -$348 | -25.9% |
| Vermont | $920 | -$424 | -31.5% |
| Virginia | $804 | -$540 | -40.2% |
| Washington | $1,042 | -$302 | -22.5% |
| West Virginia | $1,232 | -$112 | -8.3% |
| Wisconsin | $930 | -$414 | -30.8% |
| Wyoming | $1,198 | -$146 | -10.9% |
With so much variability in rates, the best way to figure out which company is cheapest is to regularly compare rates from multiple companies. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different between companies.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Nissan Murano S 2WD | $1,260 | $105 |
| Nissan Murano S AWD | $1,260 | $105 |
| Nissan Murano SL 2WD | $1,260 | $105 |
| Nissan Murano SL AWD | $1,304 | $109 |
| Nissan Murano LE 2WD | $1,428 | $119 |
| Nissan Murano LE AWD | $1,428 | $119 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Nissan Murano | $294 | $512 | $390 | $1,354 |
| 2023 Nissan Murano | $282 | $506 | $398 | $1,344 |
| 2022 Nissan Murano | $272 | $494 | $416 | $1,340 |
| 2021 Nissan Murano | $262 | $474 | $430 | $1,324 |
| 2020 Nissan Murano | $248 | $458 | $442 | $1,306 |
| 2019 Nissan Murano | $238 | $424 | $452 | $1,272 |
| 2018 Nissan Murano | $230 | $400 | $456 | $1,244 |
| 2017 Nissan Murano | $220 | $358 | $460 | $1,196 |
| 2016 Nissan Murano | $206 | $330 | $460 | $1,154 |
| 2015 Nissan Murano | $198 | $310 | $464 | $1,130 |
| 2014 Nissan Murano | $194 | $288 | $474 | $1,114 |
| 2013 Nissan Murano | $180 | $268 | $474 | $1,080 |
| 2012 Nissan Murano | $174 | $244 | $478 | $1,054 |
| 2011 Nissan Murano | $162 | $222 | $474 | $1,016 |
| 2010 Nissan Murano | $152 | $202 | $474 | $986 |
| 2009 Nissan Murano | $148 | $182 | $468 | $956 |
| 2007 Nissan Murano | $144 | $168 | $452 | $922 |
| 2006 Nissan Murano | $132 | $160 | $446 | $896 |
| 2005 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 the Cheapest Nissan Murano Insurance
Saving money on insurance for a Nissan Murano requires avoiding accidents and claims, having above-average credit, not filing small claims, and qualifying for all possible discounts. Set aside time to compare rates every couple of years by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The points below are a recap of the material that was covered above.
- Insureds who want increased liability limits will pay an extra $440 per year to increase from a minimum limit to higher 250/500 limits
- Drivers under the age of 20 are the costliest to insure, as much as $420 per month if full coverage is included
- Drivers considered higher risk that have major violations or accidents could be forced to pay on average $1,560 more annually to insure a Nissan Murano
- Increasing deductibles could save up to $525 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.
Enter your ZIP code in our free tool below to comparison shop.
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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 | $5,040 |
| 20 | $3,108 |
| 30 | $1,404 |
| 40 | $1,344 |
| 50 | $1,230 |
| 60 | $1,206 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,692 |
| $250 | $1,530 |
| $500 | $1,344 |
| $1,000 | $1,166 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,344 |
| 50/100 | $1,508 |
| 100/300 | $1,607 |
| 250/500 | $1,866 |
| 100 CSL | $1,547 |
| 300 CSL | $1,766 |
| 500 CSL | $1,926 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,184 |
| 20 | $4,938 |
| 30 | $2,970 |
| 40 | $2,908 |
| 50 | $2,776 |
| 60 | $2,752 |
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 | $71 |
| Multi-vehicle | $70 |
| Homeowner | $20 |
| 5-yr Accident Free | $98 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $61 |
| Advance Quote | $66 |
| Online Quote | $95 |
| Total Discounts | $567 |
Discounts are estimated and may not be available from every company or in every state.
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