Nissan Murano Insurance Rates

Many people ask us, “What is the Nissan Murano cost of insurance?” and “Are Nissan Muranos expensive to insure?” Most drivers will pay an average of $1,370 a year, or $114 a month. Our comprehensive guide breaks down Nissan Murano insurance rates so drivers can find savings. Read on.

To start comparison shopping for Nissan Murano insurance rates today, enter your ZIP code in our free tool above.

The average insurance rates for a Nissan Murano are $1,340 a year including full coverage. Comprehensive insurance costs approximately $272, collision costs $494, and liability coverage costs around $416. Liability-only coverage costs as low as $474 a year, with high-risk coverage costing $2,904 or more. Teenage drivers cost the most to insure at $5,062 a year or more.

Average premium for full coverage: $1,340

Policy rates by type of insurance:

Price estimates include $500 physical damage deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and for different Murano trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why anyone shopping for car insurance should compare prices using their specific location and risk profile, rather than using average rates.

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

Additional Rate Details

The chart below breaks down estimated Nissan Murano insurance rates for additional coverage and risk scenarios.

• The best discount rate is $774
• Using higher $1,000 deductibles will save $174 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,340
• Using more expensive low deductibles for physical damage coverage will cost an extra $338 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $2,904 or more
• Policy cost for full coverage for a teenage driver with full coverage can cost $5,062 or more

View Chart as Image

Insurance rates for a Nissan Murano also range considerably based on your risk profile, the model of your Murano, and physical damage deductibles and liability limits.

An older driver with no violations or accidents and high deductibles may only pay around $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay in the ballpark of $5,000 a year. View Rates by Age

Your home state has a huge impact on Nissan Murano insurance rates. A driver around age 40 might see rates as low as $1,030 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,910 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $520 a year, while increasing your policy's liability limits will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $375 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 are likely paying anywhere from $1,600 to $2,200 additional every year, depending on your age. High-risk driver insurance can be around 43% to 133% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to compare rates and see how they stack up. Each insurance company uses a different method to calculate rates, and rates will be varied from one company to the next.

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 Cheaper Nissan Murano Insurance

Finding cheaper rates on auto insurance requires being a safe and courteous driver, having a good credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to compare rates at least once a year by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below is a condensed summary of the primary concepts that were covered above.

• You may be able to save around $160 per year simply by shopping early and online
• Drivers with multiple at-fault accidents could be forced to pay on average $1,560 more per year for auto insurance
• Increasing comprehensive and collision deductibles can save around $500 each year
• Teenage drivers are the costliest to insure, with premiums being up to $422 each month including comprehensive and collision insurance

Regardless of whether you have an old Nissan Murano or a Nissan Murano 17.5, shopping for insurance will help you save on rates. So if you worried about how much does a 2018 or 2015 Nissan Murano cost to insure, find out for sure by getting quotes.

Enter your ZIP code in our free tool below to comparison shop.

What are the safety ratings of the Nissan Murano?

A car with great safety features and ratings will cost less to insure. The Nissan Murano’s best safety features include brake assist, electronic stability control, blind-spot monitor, lane departure warning, and lane-keeping assist.

The 2020 Nissan Murano also has great crash test ratings from the Insurance Insitute for Highway Safety (IIHS), which we listed below.

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints and seats: Good

To understand how the IIHS crash tests vehicles, watch the video below.

Nissan Murano Compared Against Other Vehicles in the Same Class

The class and size of a vehicle affect liability rates. The Nissan Murano is a midsize SUV. The IIHS recorded the Nissan Murano’s liability losses as average and better than average, which is good. It means the Nissan Murano should have normal rates for liability insurance.

The list of midsize SUVs below will help you compare the Nissan Murano’s prices and ratings to other vehicles in its class.

• Buick Enclave Insurance Rates
• Chevrolet Traverse Insurance Rates
• Dodge Journey Insurance Rates

Frequently Asked Questions

• Is the Nissan Murano a reliable car? It’s a value pick for midsize SUV class but there are better options in this class of vehicle.

To jump right into finding cheap Nissan Murano insurance rates, enter your ZIP code in our free tool.

References

1. https://www.iihs.org/ratings/vehicle/nissan/murano-4-door-suv/2020