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.

Average auto insurance rates for a Nissan Pathfinder are $1,282 annually for full coverage insurance. Comprehensive costs on average $272 a year, collision costs $436, and liability costs around $416. A policy with just liability insurance costs as low as $474 a year, with coverage for high-risk drivers costing around $2,762. Teens receive the highest rates at $4,836 a year or more.

Average premium for full coverage: $1,282

Rate estimates by individual coverage type:

Full coverage includes $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and Pathfinder trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can make a big difference on insurance rates. Rural areas tend to have fewer physical damage claims than cities with more traffic congestion.

The diagram below illustrates how geographic area affects car insurance rates.

These examples illustrate why it is important to compare prices based on a specific location 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.

Rate Comparisons

The chart below illustrates estimated Nissan Pathfinder insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $749
• Using higher $1,000 deductibles will save around $1,120 each year
• The estimated rate for a 40-year-old driver with $500 deductibles is $1,282
• Selecting low $100 deductibles for physical damage coverage will cost $1,592
• High-risk insureds with serious driving violations could pay upwards of $2,762 or more
• The cost with full coverage for a 16-year-old driver may cost $4,836 or more

View Chart as Image

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

Older drivers with no violations or accidents and high physical damage deductibles may pay as low as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they should be prepared to pay upwards of $4,800 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,500 to $2,100 additional per year, depending on your age. A high-risk auto insurance policy can be from 43% to 130% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $480 annually, while buying higher liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $375 more each year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Nissan Pathfinder insurance prices. A driver around age 40 might see rates as low as $840 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,730 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out exactly what you will pay is to get quotes from multiple companies. Each insurance company calculates rates differently, and rates can be significantly 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 More Affordable Nissan Pathfinder Insurance

Saving money on insurance for a Nissan Pathfinder requires avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Invest the time to compare rates every couple of years by getting rate quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The points below are a summary of the material that was presented in the illustrations above.

• Insureds who require increased liability limits will pay approximately $460 annually to increase from a minimum limit to higher 250/500 limits
• Drivers under the age of 20 pay higher rates, costing up to $403 per month if they have full coverage
• Drivers considered higher risk who have multiple accidents or major violations may pay on average $1,480 more each year to insure a Nissan Pathfinder
• Increasing deductibles could save up to $475 each year

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.