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.

The average insurance rates for a Nissan Pathfinder are $1,286 a year for full coverage. Comprehensive insurance costs around $282, collision insurance costs $448, and liability costs $398. Liability-only coverage costs as little as $460 a year, and high-risk coverage costs $2,762 or more. 16-year-old drivers cost the most to insure at up to $4,808 a year.

Average premium for full coverage: $1,286

Policy rates for type of insurance:

Prices are based on $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for all Pathfinder models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than congested cities. The example below illustrates how your location can change auto insurance rates.

The examples above show why everyone should compare rates for a specific zip code and risk profile, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

More Rate Information

The chart below shows average Nissan Pathfinder insurance rates for additional coverage choices and driver risks.

• The best full coverage rate is $753
• Drivers who choose higher $1,000 deductibles will pay about $166 a year
• The average rate for a good driver age 40 using $500 deductibles is $1,286
• Buying pricier low deductibles for comprehensive and collision insurance will cost an extra $318 annually
• Drivers with multiple tickets or accidents could pay at least $2,762
• Policy cost for full coverage for a 16-year-old driver for full coverage can be $4,808 a year

View Chart as Image

Insurance rates for a Nissan Pathfinder also range considerably based on your risk profile, the trim level of your Pathfinder, and deductibles and policy limits.

A more mature driver with no violations or accidents and high deductibles may pay as low as $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay as much as $4,800 a year. View Rates by Age

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 Idaho, Maine, and Iowa, or at least $1,840 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles could save up to $490 annually, whereas buying more liability protection will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,500 to $2,100 additional every year, depending on your age. Nissan Pathfinder insurance for high-risk drivers can cost from 44% to 130% more than the average rate. View High Risk Driver Rates

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 Find Affordable Nissan Pathfinder Insurance

Finding cheaper rates on insurance for a Nissan Pathfinder not only requires being a low-risk driver, but also having a good credit history, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Invest the time to shop around at least every other year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.

The items below are a brief review of the car insurance concepts illustrated above.

• Drivers considered higher risk with DUI or reckless driving convictions may be required to pay an average of $1,480 more every year to insure their Pathfinder
• Drivers can save up to $150 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $475 each year
• Insureds who may need more liability coverage will pay around $440 each year to go from a 30/60 limit to 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.