Nissan Pathfinder Insurance Rates

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Melanie Musson

Published Insurance Expert

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...

Published Insurance Expert

UPDATED: Jun 6, 2023

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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.

Estimated insurance prices for a Nissan Pathfinder are $1,222 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $238, collision costs $374, and liability costs $452. Liability-only insurance costs as little as $504 a year, with high-risk driver insurance costing $2,638 or more. Teenage drivers pay the most at $4,706 a year or more.

Average premium for full coverage: $1,222

Premium estimates by type of coverage:

Comprehensive $238
Collision $374
Liability $452

Price estimates include $500 policy deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Rates include averaging for all 50 states and for different Pathfinder trim levels.

Insurance Price Range by Risk and Coverage

Using a middle-aged driver as an example, insurance rates for a Nissan Pathfinder go from the cheapest price of $504 for just liability insurance to a much higher rate of $2,638 for a driver that may need high-risk insurance.

Liability Only $504
Full Coverage $1,222
High Risk $2,638

Insurance Price Range by Location

Your location can have significant affects on the price of auto insurance. Rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities.

The price range example below illustrates how where you live affects auto insurance prices.

Rural Areas $917
Small Cities $1,283
Large Cities $1,650

These rate differences illustrate why anyone shopping for car insurance should compare rates using their specific location and their own driving history, instead of 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.

More Rate Details

The chart below illustrates estimated Nissan Pathfinder insurance rates for additional coverage and risk scenarios.

  • The best discount rate is $719
  • Drivers who choose higher $1,000 deductibles will pay $138 each year
  • The average price for a 40-year-old good driver who chooses $500 deductibles is $1,222
  • Using more expensive low deductibles for comprehensive and collision insurance costs an extra $268 every year
  • Higher-risk drivers who are prone to accidents and violations could pay around $2,638 or more
  • An auto insurance policy to insure a teen driver with full coverage can cost $4,706 a year

View Chart as Image

Nissan Pathfinder insurance cost comparison chart
Column chart showing full coverage Nissan Pathfinder insurance prices range from $719 to $4,706

Insurance prices for a Nissan Pathfinder also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the model of your Pathfinder.

Using high physical damage deductibles could save up to $410 every year, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $407 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $1,100 per year on average, or $92 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay in the ballpark of $4,700 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying anywhere from $1,400 to $2,000 additional annually, depending on your age. High-risk driver insurance can cost as much as 42% to 128% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Nissan Pathfinder insurance prices. A 40-year-old driver could pay as low as $800 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,650 on average in Florida, New York, and Michigan.

Nissan Pathfinder Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,106 -$116 -9.5%
Alaska $938 -$284 -23.2%
Arizona $1,014 -$208 -17.0%
Arkansas $1,222 -$0 0.0%
California $1,394 $172 14.1%
Colorado $1,168 -$54 -4.4%
Connecticut $1,260 $38 3.1%
Delaware $1,384 $162 13.3%
Florida $1,530 $308 25.2%
Georgia $1,128 -$94 -7.7%
Hawaii $880 -$342 -28.0%
Idaho $828 -$394 -32.2%
Illinois $912 -$310 -25.4%
Indiana $920 -$302 -24.7%
Iowa $826 -$396 -32.4%
Kansas $1,162 -$60 -4.9%
Kentucky $1,670 $448 36.7%
Louisiana $1,810 $588 48.1%
Maine $756 -$466 -38.1%
Maryland $1,008 -$214 -17.5%
Massachusetts $978 -$244 -20.0%
Michigan $2,124 $902 73.8%
Minnesota $1,024 -$198 -16.2%
Mississippi $1,464 $242 19.8%
Missouri $1,084 -$138 -11.3%
Montana $1,312 $90 7.4%
Nebraska $966 -$256 -20.9%
Nevada $1,468 $246 20.1%
New Hampshire $882 -$340 -27.8%
New Jersey $1,366 $144 11.8%
New Mexico $1,084 -$138 -11.3%
New York $1,288 $66 5.4%
North Carolina $706 -$516 -42.2%
North Dakota $1,002 -$220 -18.0%
Ohio $844 -$378 -30.9%
Oklahoma $1,254 $32 2.6%
Oregon $1,120 -$102 -8.3%
Pennsylvania $1,168 -$54 -4.4%
Rhode Island $1,632 $410 33.6%
South Carolina $1,108 -$114 -9.3%
South Dakota $1,032 -$190 -15.5%
Tennessee $1,070 -$152 -12.4%
Texas $1,476 $254 20.8%
Utah $906 -$316 -25.9%
Vermont $838 -$384 -31.4%
Virginia $732 -$490 -40.1%
Washington $946 -$276 -22.6%
West Virginia $1,120 -$102 -8.3%
Wisconsin $848 -$374 -30.6%
Wyoming $1,090 -$132 -10.8%

View Chart as Image

Nissan Pathfinder insurance rates by U.S. city

With such a large range in prices, the only way to figure out who has the best car insurance prices is to compare prices and see which company has the best price. Every company uses a different method to calculate prices, and prices will be substantially different.

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 $1,142 $95
Nissan Pathfinder S 4WD $1,154 $96
Nissan Pathfinder SE 2WD $1,188 $99
Nissan Pathfinder SE 4WD $1,188 $99
Nissan Pathfinder LE 2WD $1,294 $108
Nissan Pathfinder LE 4WD $1,294 $108

Rates assume 2017 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
2020 Nissan Pathfinder $272 $436 $416 $1,282
2017 Nissan Pathfinder $238 $374 $452 $1,222
2016 Nissan Pathfinder $230 $352 $456 $1,196
2015 Nissan Pathfinder $220 $316 $460 $1,154
2014 Nissan Pathfinder $206 $292 $460 $1,116
2013 Nissan Pathfinder $198 $272 $464 $1,092
2011 Nissan Pathfinder $180 $236 $474 $1,048
2010 Nissan Pathfinder $174 $214 $478 $1,024
2008 Nissan Pathfinder $152 $178 $474 $962
2007 Nissan Pathfinder $148 $160 $468 $934
2006 Nissan Pathfinder $146 $156 $460 $920
2005 Nissan Pathfinder $144 $150 $452 $904
2004 Nissan Pathfinder $132 $142 $446 $878
2003 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 Cheaper Nissan Pathfinder Insurance

Finding better rates on car insurance not only requires being a good driver, but also having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to comparison shop once a year by requesting quotes from direct insurance companies, and also from local insurance agencies.

The following list is a condensed summary of the data that was touched on in the above illustrations.

  • It is possible to save around $140 per year simply by shopping early and online
  • Policyholders who purchase an increased level of liability coverage will pay an extra $500 annually to go from 30/60 bodily injury limits to a 250/500 level
  • Drivers age 16 to 20 are the costliest to insure, with premiums being up to $392 per month if full coverage is included
  • Higher risk drivers with multiple at-fault accidents may have to pay on average $1,420 more per year than a safer driver

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.

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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 $4,706
20 $2,806
30 $1,262
40 $1,222
50 $1,118
60 $1,096

Full coverage, $500 deductibles

Rates by Deductible

Nissan Pathfinder Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,490
$250 $1,368
$500 $1,222
$1,000 $1,084

Full coverage, driver age 40

Rates by Liability Limit

Nissan Pathfinder Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,222
50/100 $1,384
100/300 $1,497
250/500 $1,791
100 CSL $1,430
300 CSL $1,678
500 CSL $1,859

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Pathfinder Insurance Rates for High Risk Drivers
Age Premium
16 $6,680
20 $4,466
30 $2,678
40 $2,638
50 $2,518
60 $2,496

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 $167

Potential Rate Discounts

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

Discount Savings
Multi-policy $64
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $83
5-yr Claim Free $78
Paid in Full/EFT $51
Advance Quote $57
Online Quote $85
Total Discounts $503
Rate after discounts $719

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

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