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.

U.S. average auto insurance rates for a Nissan Pathfinder are $1,286 annually including full coverage. Comprehensive insurance costs an estimated $282 each year, collision costs $448, and liability is $398. Liability-only insurance costs around $460 a year, with high-risk driver insurance costing $2,762 or more. Teens pay the highest rates at $4,808 a year or more.

Average premium for full coverage: $1,286

Price estimates broken down by individual coverage:

Rates are based on $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Estimates are averaged for all 50 U.S. states and Pathfinder models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates how your location can change insurance prices.

The ranges above highlight why all drivers should compare rates quotes for a targeted area 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.

More Rate Details

The chart below breaks down estimated Nissan Pathfinder insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $753
• Raising to $1,000 deductibles will save approximately $166 every year
• The estimated rate for the average middle-age driver who has $500 deductibles is $1,286
• Selecting low deductibles costs an additional $318 annually
• Drivers with serious driving violations could pay up to $2,762 or more
• The price with full coverage for a 16-year-old driver can cost as much as $4,808

View Chart as Image

Car insurance prices for a Nissan Pathfinder are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

More mature drivers with no driving violations and high physical damage deductibles may pay as low as $1,200 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged at least $4,800 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,500 to $2,100 extra each year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $490 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Nissan Pathfinder insurance prices. A middle-age driver might find prices as low as $990 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,840 on average in Louisiana, New York, and Michigan.

View Chart as Image

Since prices can be so different, the best way to figure out which car insurance is cheapest is to do a rate comparison from multiple companies. Every auto insurance company calculates prices differently, so rate quotes may be quite different between companies.

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 Buy the Best Cheap Nissan Pathfinder Insurance

Getting lower rates on insurance for a Nissan Pathfinder consists of being a good driver, having a good credit score, being claim-free, and not having any coverage lapses. Invest the time to shop around at least every other year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following list is a quick review of the car insurance concepts illustrated above.

• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $1,480 more annually than a safer driver
• You may be able to save approximately $150 per year simply by quoting online in advance
• Increasing physical damage deductibles could save up to $475 each year
• Insureds who want an increased level of liability coverage will pay approximately $440 per year to raise from a low limit to higher 250/500 limits

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.