Nissan Murano Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: May 30, 2024

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Nissan Murano insurance
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 insurance prices for a Nissan Murano are $1,354 every 12 months for full coverage. Comprehensive costs approximately $294 a year, collision insurance costs $512, and liability coverage costs $390. Liability-only coverage costs as little as $452 a year, and high-risk coverage costs around $2,918. Teenage drivers cost the most to insure at up to $5,032 a year.

Average premium for full coverage: $1,354

Policy rates by type of insurance:

Comprehensive $294
Collision $512
Liability $390

Rate estimates include $500 policy deductibles, 30/60 split liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all states and Murano trim levels.

Price Range Variability

For a driver around age 40, Nissan Murano insurance rates range from the cheapest price of $452 for the bare minimum liability coverage to a high of $2,918 for a high-risk insurance policy.

Liability Only $452
Full Coverage $1,354
High Risk $2,918

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural locations are shown to have more infrequent accident claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on auto insurance prices.

Rural Areas $1,016
Small Cities $1,422
Large Cities $1,828

The examples above show why it is important to compare rates using their specific location and their own driving history, rather than using 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.

Additional Rate Information

The chart below shows average Nissan Murano insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $783
  • Drivers who choose higher $1,000 deductibles will pay $1,170 a year
  • The average price for a good driver age 40 who chooses $500 deductibles is $1,354
  • Using low $100 deductibles for comprehensive and collision insurance increases the price to $1,706
  • High-risk insureds who are prone to accidents and violations could pay around $2,918
  • Policy cost to insure a teenage driver can cost $5,032 a year

View Chart as Image

Nissan Murano insurance cost comparison chart
Column chart showing Nissan Murano insurance rates range from $783 to $5,032 for full coverage

Insurance rates for a Nissan Murano also range considerably based on liability limits and deductibles, your driver profile, and the model of your Murano.

Using high physical damage deductibles could save up to $540 a year, while buying higher liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,300 per year on average, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying anywhere from $1,600 to $2,200 additional every year, depending on your age. A high-risk auto insurance policy can cost around 44% to 132% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Nissan Murano insurance rates. A 40-year-old driver could pay as low as $890 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,930 on average in New York, Louisiana, and Michigan.

Nissan Murano Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,224 -$130 -9.6%
Alaska $1,038 -$316 -23.3%
Arizona $1,124 -$230 -17.0%
Arkansas $1,354 -$0 0.0%
California $1,540 $186 13.7%
Colorado $1,292 -$62 -4.6%
Connecticut $1,392 $38 2.8%
Delaware $1,532 $178 13.1%
Florida $1,692 $338 25.0%
Georgia $1,250 -$104 -7.7%
Hawaii $970 -$384 -28.4%
Idaho $914 -$440 -32.5%
Illinois $1,006 -$348 -25.7%
Indiana $1,020 -$334 -24.7%
Iowa $914 -$440 -32.5%
Kansas $1,286 -$68 -5.0%
Kentucky $1,846 $492 36.3%
Louisiana $2,002 $648 47.9%
Maine $836 -$518 -38.3%
Maryland $1,116 -$238 -17.6%
Massachusetts $1,082 -$272 -20.1%
Michigan $2,352 $998 73.7%
Minnesota $1,132 -$222 -16.4%
Mississippi $1,620 $266 19.6%
Missouri $1,200 -$154 -11.4%
Montana $1,454 $100 7.4%
Nebraska $1,068 -$286 -21.1%
Nevada $1,622 $268 19.8%
New Hampshire $974 -$380 -28.1%
New Jersey $1,514 $160 11.8%
New Mexico $1,198 -$156 -11.5%
New York $1,426 $72 5.3%
North Carolina $778 -$576 -42.5%
North Dakota $1,108 -$246 -18.2%
Ohio $934 -$420 -31.0%
Oklahoma $1,390 $36 2.7%
Oregon $1,240 -$114 -8.4%
Pennsylvania $1,292 -$62 -4.6%
Rhode Island $1,806 $452 33.4%
South Carolina $1,226 -$128 -9.5%
South Dakota $1,142 -$212 -15.7%
Tennessee $1,186 -$168 -12.4%
Texas $1,632 $278 20.5%
Utah $1,002 -$352 -26.0%
Vermont $926 -$428 -31.6%
Virginia $810 -$544 -40.2%
Washington $1,044 -$310 -22.9%
West Virginia $1,240 -$114 -8.4%
Wisconsin $938 -$416 -30.7%
Wyoming $1,208 -$146 -10.8%

View Chart as Image

Nissan Murano insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Nissan Murano Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Nissan Murano S 2WD $1,268 $106
Nissan Murano S AWD $1,268 $106
Nissan Murano SL 2WD $1,268 $106
Nissan Murano SL AWD $1,310 $109
Nissan Murano LE 2WD $1,438 $120
Nissan Murano LE AWD $1,438 $120

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.

Nissan Murano Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Nissan Murano $308 $532 $372 $1,370
2023 Nissan Murano $294 $512 $390 $1,354
2022 Nissan Murano $282 $506 $398 $1,344
2021 Nissan Murano $272 $494 $416 $1,340
2020 Nissan Murano $262 $474 $430 $1,324
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
2013 Nissan Murano $194 $288 $474 $1,114
2012 Nissan Murano $180 $268 $474 $1,080
2011 Nissan Murano $174 $244 $478 $1,054
2010 Nissan Murano $162 $222 $474 $1,016
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 Shop for the Best Nissan Murano Insurance

Finding cheaper rates on auto insurance not only requires being safe and accident-free, but also having above-average credit, avoid buying unnecessary coverage, and consideration of higher deductibles. Set aside time to compare rates at least every other year by getting quotes from direct carriers, and also from your local independent and exclusive agents.

Below you'll find a brief recap of the car insurance concepts covered above.

  • Drivers who tend to receive serious violations may pay on average $1,560 more per year than a low-risk driver
  • Drivers can save around $160 per year just by quoting early and online
  • Increasing comprehensive and collision deductibles could save as much as $525 each year
  • Consumers who purchase more liability protection will pay an extra $430 each year to go from a 30/60 limit to a 250/500 level

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

  1. https://www.iihs.org/ratings/vehicle/nissan/murano-4-door-suv/2020

Rates by Driver Age

Nissan Murano Insurance Rates by Driver Age
Driver Age Premium
16 $5,032
20 $3,112
30 $1,410
40 $1,354
50 $1,236
60 $1,210

Full coverage, $500 deductibles

Rates by Deductible

Nissan Murano Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,706
$250 $1,544
$500 $1,354
$1,000 $1,170

Full coverage, driver age 40

Rates by Liability Limit

Nissan Murano Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,354
50/100 $1,516
100/300 $1,614
250/500 $1,867
100 CSL $1,555
300 CSL $1,770
500 CSL $1,926

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Murano Insurance Rates for High Risk Drivers
Age Premium
16 $7,174
20 $4,950
30 $2,982
40 $2,918
50 $2,784
60 $2,760

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.

SR-22 Surcharge $187

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $72
Multi-vehicle $70
Homeowner $20
5-yr Accident Free $99
5-yr Claim Free $87
Paid in Full/EFT $61
Advance Quote $66
Online Quote $96
Total Discounts $571
Rate after discounts $783

Discounts are estimated and may not be available from every company or in every state.

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