Nissan Pathfinder Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

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 15, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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.

The average insurance prices for a Nissan Pathfinder are $1,294 every 12 months for full coverage. Comprehensive insurance costs an estimated $294 each year, collision insurance costs $452, and liability costs $390. Liability-only insurance costs as little as $452 a year, and high-risk driver insurance costs $2,772 or more. Teen drivers cost the most to insure at up to $4,798 a year.

Average premium for full coverage: $1,294

Policy rates broken down by type of insurance:

Comprehensive $294
Collision $452
Liability $390

Prices include $500 deductibles, 30/60 bodily injury liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Pathfinder models.

Price Range Variability

For an average driver, Nissan Pathfinder insurance rates range from the cheapest price of $452 for just the minimum liability insurance to a high rate of $2,772 for a driver who requires high-risk insurance.

Liability Only $452
Full Coverage $1,294
High Risk $2,772

Urban vs. Rural Price Range

Your location can have significant affects on insurance rates. More rural locations are shown to have more infrequent accident claims than larger metro areas. The graphic below illustrates the effect of geographic area on insurance prices.

Rural Areas $971
Small Cities $1,359
Large Cities $1,747

The examples above show why all drivers should compare rates for a targeted area and their own driving history, instead of using 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.

Additional Rate Analysis

The chart below shows average Nissan Pathfinder insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $758
  • Drivers who choose higher $1,000 deductibles will pay approximately $170 a year
  • The average price for a good driver age 40 who has $500 deductibles is $1,294
  • Choosing low deductibles for comprehensive and collision insurance costs an extra $324 every year
  • Higher-risk drivers with multiple violations and an at-fault accident could pay up to $2,772
  • Policy cost to insure a teen driver can cost as much as $4,798 a year

View Chart as Image

Nissan Pathfinder insurance cost comparison chart
Column chart showing Nissan Pathfinder insurance prices range from $758 to $4,798 for full coverage

Auto insurance rates for a Nissan Pathfinder also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Choosing high deductibles could save up to $500 every year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles may pay as little as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $4,700 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 $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost as much as 44% to 130% more than average. View High Risk Driver Rates

Your home state makes a big difference in Nissan Pathfinder insurance prices. A 40-year-old driver could pay as low as $850 a year in states like Iowa, Maine, and Idaho, or as much as $1,850 on average in New York, Louisiana, and Michigan.

Nissan Pathfinder Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,170 -$124 -9.6%
Alaska $992 -$302 -23.3%
Arizona $1,074 -$220 -17.0%
Arkansas $1,294 -$0 0.0%
California $1,472 $178 13.8%
Colorado $1,234 -$60 -4.6%
Connecticut $1,330 $36 2.8%
Delaware $1,464 $170 13.1%
Florida $1,618 $324 25.0%
Georgia $1,194 -$100 -7.7%
Hawaii $928 -$366 -28.3%
Idaho $874 -$420 -32.5%
Illinois $962 -$332 -25.7%
Indiana $974 -$320 -24.7%
Iowa $872 -$422 -32.6%
Kansas $1,228 -$66 -5.1%
Kentucky $1,764 $470 36.3%
Louisiana $1,914 $620 47.9%
Maine $798 -$496 -38.3%
Maryland $1,066 -$228 -17.6%
Massachusetts $1,034 -$260 -20.1%
Michigan $2,248 $954 73.7%
Minnesota $1,082 -$212 -16.4%
Mississippi $1,548 $254 19.6%
Missouri $1,146 -$148 -11.4%
Montana $1,388 $94 7.3%
Nebraska $1,022 -$272 -21.0%
Nevada $1,552 $258 19.9%
New Hampshire $932 -$362 -28.0%
New Jersey $1,446 $152 11.7%
New Mexico $1,146 -$148 -11.4%
New York $1,362 $68 5.3%
North Carolina $744 -$550 -42.5%
North Dakota $1,060 -$234 -18.1%
Ohio $894 -$400 -30.9%
Oklahoma $1,328 $34 2.6%
Oregon $1,186 -$108 -8.3%
Pennsylvania $1,234 -$60 -4.6%
Rhode Island $1,726 $432 33.4%
South Carolina $1,172 -$122 -9.4%
South Dakota $1,090 -$204 -15.8%
Tennessee $1,132 -$162 -12.5%
Texas $1,560 $266 20.6%
Utah $958 -$336 -26.0%
Vermont $884 -$410 -31.7%
Virginia $774 -$520 -40.2%
Washington $998 -$296 -22.9%
West Virginia $1,186 -$108 -8.3%
Wisconsin $896 -$398 -30.8%
Wyoming $1,154 -$140 -10.8%

View Chart as Image

Nissan Pathfinder insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Nissan Pathfinder Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Nissan Pathfinder S 2WD $1,194 $100
Nissan Pathfinder S 4WD $1,208 $101
Nissan Pathfinder SE 2WD $1,250 $104
Nissan Pathfinder SE 4WD $1,250 $104
Nissan Pathfinder LE 2WD $1,380 $115
Nissan Pathfinder LE 4WD $1,380 $115

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 Pathfinder Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2024 Nissan Pathfinder $308 $470 $372 $1,308
2023 Nissan Pathfinder $294 $452 $390 $1,294
2022 Nissan Pathfinder $282 $448 $398 $1,286
2021 Nissan Pathfinder $272 $436 $416 $1,282
2020 Nissan Pathfinder $262 $418 $430 $1,268
2019 Nissan Pathfinder $248 $404 $442 $1,252
2018 Nissan Pathfinder $238 $374 $452 $1,222
2017 Nissan Pathfinder $230 $352 $456 $1,196
2016 Nissan Pathfinder $220 $316 $460 $1,154
2015 Nissan Pathfinder $206 $292 $460 $1,116
2014 Nissan Pathfinder $198 $272 $464 $1,092
2013 Nissan Pathfinder $194 $254 $474 $1,080
2011 Nissan Pathfinder $174 $214 $478 $1,024
2010 Nissan Pathfinder $162 $196 $474 $990
2008 Nissan Pathfinder $148 $160 $468 $934
2007 Nissan Pathfinder $146 $156 $460 $920
2006 Nissan Pathfinder $144 $150 $452 $904
2005 Nissan Pathfinder $132 $142 $446 $878
2004 Nissan Pathfinder $126 $134 $442 $860

Rates are averaged for all Nissan Pathfinder 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 Right Nissan Pathfinder Insurance

Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Take the time to compare rates at every other renewal by obtaining price quotes from direct carriers, and also from several local insurance agents.

The following is a quick rundown of the concepts that were covered in the above illustrations.

  • Higher risk drivers with reckless driving or DUI convictions pay on average $1,480 more annually for Pathfinder insurance
  • Teens are the costliest to insure, costing up to $400 each month if comprehensive and collision insurance is included
  • Drivers can save approximately $150 per year just by quoting online in advance
  • Increasing comprehensive and collision deductibles could save as much as $500 each year
  • Drivers can save approximately $150 per year just by quoting online in advance

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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

secured lock Secured with SHA-256 Encryption

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.

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.

Rates by Driver Age

Nissan Pathfinder Insurance Rates by Driver Age
Driver Age Premium
16 $4,798
20 $2,946
30 $1,344
40 $1,294
50 $1,180
60 $1,154

Full coverage, $500 deductibles

Rates by Deductible

Nissan Pathfinder Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,618
$250 $1,470
$500 $1,294
$1,000 $1,124

Full coverage, driver age 40

Rates by Liability Limit

Nissan Pathfinder Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,294
50/100 $1,458
100/300 $1,556
250/500 $1,809
100 CSL $1,497
300 CSL $1,712
500 CSL $1,868

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Pathfinder Insurance Rates for High Risk Drivers
Age Premium
16 $6,828
20 $4,680
30 $2,828
40 $2,772
50 $2,642
60 $2,618

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 $174

Potential Rate Discounts

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

Discount Savings
Multi-policy $68
Multi-vehicle $66
Homeowner $19
5-yr Accident Free $91
5-yr Claim Free $82
Paid in Full/EFT $57
Advance Quote $62
Online Quote $91
Total Discounts $536
Rate after discounts $758

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

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles