Nissan Murano Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 30, 2020

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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.

Average insurance rates for a Nissan Murano are $1,340 a year for full coverage. Comprehensive costs on average $272 a year, collision costs $494, and liability insurance costs $416. A liability-only policy costs as little as $474 a year, with high-risk insurance costing around $2,904. Teen drivers receive the highest rates at $5,062 a year or more.

Average premium for full coverage: $1,340

Rate estimates by individual coverage type:

Comprehensive $272
Collision $494
Liability $416

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Murano trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $474 for only liability insurance to a high of $2,904 for a high risk driver.

Liability Only $474
Full Coverage $1,340
High Risk $2,904

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $1,005
Small Cities $1,407
Large Cities $1,809

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price averages.

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.

Insurance Rate Analysis

The chart below shows estimated Nissan Murano insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $774
  • Drivers who choose higher $1,000 deductibles will pay around $1,166 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,340
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,678
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,904 or more
  • The cost for full coverage for a teen driver may cost $5,062 a year

View Chart as Image

Nissan Murano insurance cost comparison chart
Column chart showing full coverage Nissan Murano insurance rates range from $774 to $5,062

for a Nissan Murano can also vary considerably based on your driver profile, the trim level of your Murano, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,000 a year. View Rates by Age

Where you live 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 Idaho, Maine, and Iowa, or as much as $1,910 on average in Michigan, Louisiana, and New York.

Nissan Murano Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,212 -$128 -9.6%
Alaska $1,030 -$310 -23.1%
Arizona $1,114 -$226 -16.9%
Arkansas $1,340 -$0 0.0%
California $1,528 $188 14.0%
Colorado $1,282 -$58 -4.3%
Connecticut $1,380 $40 3.0%
Delaware $1,518 $178 13.3%
Florida $1,678 $338 25.2%
Georgia $1,238 -$102 -7.6%
Hawaii $964 -$376 -28.1%
Idaho $908 -$432 -32.2%
Illinois $998 -$342 -25.5%
Indiana $1,010 -$330 -24.6%
Iowa $906 -$434 -32.4%
Kansas $1,276 -$64 -4.8%
Kentucky $1,830 $490 36.6%
Louisiana $1,984 $644 48.1%
Maine $828 -$512 -38.2%
Maryland $1,106 -$234 -17.5%
Massachusetts $1,074 -$266 -19.9%
Michigan $2,328 $988 73.7%
Minnesota $1,122 -$218 -16.3%
Mississippi $1,606 $266 19.9%
Missouri $1,192 -$148 -11.0%
Montana $1,442 $102 7.6%
Nebraska $1,058 -$282 -21.0%
Nevada $1,608 $268 20.0%
New Hampshire $966 -$374 -27.9%
New Jersey $1,498 $158 11.8%
New Mexico $1,186 -$154 -11.5%
New York $1,412 $72 5.4%
North Carolina $772 -$568 -42.4%
North Dakota $1,096 -$244 -18.2%
Ohio $928 -$412 -30.7%
Oklahoma $1,378 $38 2.8%
Oregon $1,230 -$110 -8.2%
Pennsylvania $1,280 -$60 -4.5%
Rhode Island $1,788 $448 33.4%
South Carolina $1,214 -$126 -9.4%
South Dakota $1,134 -$206 -15.4%
Tennessee $1,174 -$166 -12.4%
Texas $1,618 $278 20.7%
Utah $994 -$346 -25.8%
Vermont $918 -$422 -31.5%
Virginia $804 -$536 -40.0%
Washington $1,038 -$302 -22.5%
West Virginia $1,230 -$110 -8.2%
Wisconsin $928 -$412 -30.7%
Wyoming $1,194 -$146 -10.9%

View Chart as Image

Nissan Murano insurance rates by U.S. city

Choosing high deductibles could save up to $520 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $375 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,600 to $2,200 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 43% to 133% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 $1,258 $105
Nissan Murano S AWD $1,258 $105
Nissan Murano SL 2WD $1,258 $105
Nissan Murano SL AWD $1,300 $108
Nissan Murano LE 2WD $1,422 $119
Nissan Murano LE AWD $1,422 $119

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.

Nissan Murano Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Nissan Murano $272 $494 $416 $1,340
2018 Nissan Murano $262 $474 $430 $1,324
2017 Nissan Murano $248 $458 $442 $1,306
2016 Nissan Murano $238 $424 $452 $1,272
2015 Nissan Murano $230 $400 $456 $1,244
2014 Nissan Murano $220 $358 $460 $1,196
2012 Nissan Murano $198 $310 $464 $1,130
2011 Nissan Murano $194 $288 $474 $1,114
2009 Nissan Murano $174 $244 $478 $1,054
2007 Nissan Murano $152 $202 $474 $986
2006 Nissan Murano $148 $182 $468 $956
2005 Nissan Murano $146 $178 $460 $942
2004 Nissan Murano $144 $168 $452 $922
2003 Nissan Murano $132 $160 $446 $896

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 Find Cheaper Nissan Murano Insurance

Saving money on Nissan Murano insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $500 each year
  • Drivers can save as much as $160 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $460 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $422 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,560 more each year for insurance

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 $5,062
20 $3,098
30 $1,396
40 $1,340
50 $1,226
60 $1,202

Full coverage, $500 deductibles

Rates by Deductible

Nissan Murano Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,678
$250 $1,522
$500 $1,340
$1,000 $1,166

Full coverage, driver age 40

Rates by Liability Limit

Nissan Murano Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,340
50/100 $1,505
100/300 $1,609
250/500 $1,880
100 CSL $1,547
300 CSL $1,776
500 CSL $1,942

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Murano Insurance Rates for High Risk Drivers
Age Premium
16 $7,210
20 $4,936
30 $2,964
40 $2,904
50 $2,772
60 $2,746

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 $71
Multi-vehicle $71
Homeowner $20
5-yr Accident Free $97
5-yr Claim Free $86
Paid in Full/EFT $60
Advance Quote $66
Online Quote $95
Total Discounts $566
Rate after discounts $774

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

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