Nissan Pathfinder Insurance Rates

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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...

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Written by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Sep 6, 2022

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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.

Average insurance rates for a Nissan Pathfinder are $1,222 a year for full coverage. Comprehensive costs on average $238 a year, collision costs $374, and liability insurance costs $452. A liability-only policy costs as little as $504 a year, with high-risk insurance costing around $2,638. Teen drivers receive the highest rates at $4,706 a year or more.

Average premium for full coverage: $1,222

Rate estimates by individual coverage type:

Comprehensive $238
Collision $374
Liability $452

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

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $504 for only liability insurance to a high of $2,638 for a high risk driver.

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

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

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 Pathfinder insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $719
  • Drivers who choose higher $1,000 deductibles will pay around $1,084 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,222
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,490
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,638 or more
  • The cost for full coverage for a teen driver may cost $4,706 a year

View Chart as Image

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

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

Older drivers and high deductibles could pay as little as $1,100 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $4,700 a year. View Rates by Age

Where you live makes a big difference in Nissan Pathfinder insurance rates. A 40-year-old driver could pay as low as $810 a year in states like Idaho, Maine, and Iowa, or as much as $1,750 on average in Michigan, Louisiana, and New York.

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

Choosing high deductibles could save up to $410 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 $407 . 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 $1,400 to $2,000 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 42% to 128% 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 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 Find Cheaper Nissan Pathfinder Insurance

Saving money on Nissan Pathfinder 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 $400 each year
  • Drivers can save as much as $140 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $500 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $392 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,420 more each year for insurance

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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