Nissan Murano Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: May 30, 2024
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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 with full coverage. Comprehensive costs on average $272 each year, collision costs $494, and liability insurance is $416. Liability-only insurance costs around $474 a year, with high-risk driver insurance costing around $2,904. Teen 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:
Full coverage includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and Murano models.
Price Range Variability
For a driver around age 40, Nissan Murano insurance rates go from the low end price of $474 for just liability insurance to a high rate of $2,904 for a high-risk insurance policy.
Urban vs. Rural Price Range
Choosing to live in a large city has a significant impact on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than larger metro areas.
The graphic below illustrates the difference between rural and urban areas on car insurance rates.
The examples above demonstrate why all drivers should compare rates quotes based on a specific location, 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.
More Rate Details
The chart below details estimated Nissan Murano insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $774
- Raising to $1,000 deductibles will save around $174 annually
- The estimated price for a good driver age 40 with $500 deductibles is $1,340
- Choosing low deductibles bumps up the cost to $1,678
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,904 or more
- Policy cost that insures a teen driver may cost $5,062
Auto insurance rates for a Nissan Murano also range considerably based on the trim level and model year, your age and driving habits, and policy deductibles and limits.
If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,600 to $2,200 in extra premium every year, depending on your age. Insurance for high-risk drivers is expensive and can cost anywhere from 43% to 133% more than average. View High Risk Driver Rates
More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $1,300 every 12 months on average, or $108 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $5,000 a year. View Rates by Age
Your home state also has a big influence on Nissan Murano insurance rates. A middle-age driver might find rates as low as $970 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,810 on average in Florida, Michigan, and New York.
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $1,212 | -$128 | -9.6% |
| Alaska | $1,030 | -$310 | -23.1% |
| Arizona | $1,114 | -$226 | -16.9% |
| Arkansas | $1,340 | -$0 | 0.0% |
| California | $1,528 | $188 | 14.0% |
| Colorado | $1,282 | -$58 | -4.3% |
| Connecticut | $1,380 | $40 | 3.0% |
| Delaware | $1,518 | $178 | 13.3% |
| Florida | $1,678 | $338 | 25.2% |
| Georgia | $1,238 | -$102 | -7.6% |
| Hawaii | $964 | -$376 | -28.1% |
| Idaho | $908 | -$432 | -32.2% |
| Illinois | $998 | -$342 | -25.5% |
| Indiana | $1,010 | -$330 | -24.6% |
| Iowa | $906 | -$434 | -32.4% |
| Kansas | $1,276 | -$64 | -4.8% |
| Kentucky | $1,830 | $490 | 36.6% |
| Louisiana | $1,984 | $644 | 48.1% |
| Maine | $828 | -$512 | -38.2% |
| Maryland | $1,106 | -$234 | -17.5% |
| Massachusetts | $1,074 | -$266 | -19.9% |
| Michigan | $2,328 | $988 | 73.7% |
| Minnesota | $1,122 | -$218 | -16.3% |
| Mississippi | $1,606 | $266 | 19.9% |
| Missouri | $1,192 | -$148 | -11.0% |
| Montana | $1,442 | $102 | 7.6% |
| Nebraska | $1,058 | -$282 | -21.0% |
| Nevada | $1,608 | $268 | 20.0% |
| New Hampshire | $966 | -$374 | -27.9% |
| New Jersey | $1,498 | $158 | 11.8% |
| New Mexico | $1,186 | -$154 | -11.5% |
| New York | $1,412 | $72 | 5.4% |
| North Carolina | $772 | -$568 | -42.4% |
| North Dakota | $1,096 | -$244 | -18.2% |
| Ohio | $928 | -$412 | -30.7% |
| Oklahoma | $1,378 | $38 | 2.8% |
| Oregon | $1,230 | -$110 | -8.2% |
| Pennsylvania | $1,280 | -$60 | -4.5% |
| Rhode Island | $1,788 | $448 | 33.4% |
| South Carolina | $1,214 | -$126 | -9.4% |
| South Dakota | $1,134 | -$206 | -15.4% |
| Tennessee | $1,174 | -$166 | -12.4% |
| Texas | $1,618 | $278 | 20.7% |
| Utah | $994 | -$346 | -25.8% |
| Vermont | $918 | -$422 | -31.5% |
| Virginia | $804 | -$536 | -40.0% |
| Washington | $1,038 | -$302 | -22.5% |
| West Virginia | $1,230 | -$110 | -8.2% |
| Wisconsin | $928 | -$412 | -30.7% |
| Wyoming | $1,194 | -$146 | -10.9% |
Choosing high deductibles can reduce rates by up to $520 each year, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $375 extra every year. View Rates by Deductible or Liability Limit
Because rates have so much variability, the best way to find out exactly what you will pay is to do a rate comparison from as many companies as possible. Every auto insurance company uses a different rate calculation, and quoted rates will be varied.
Insurance Rates by Trim Level and Model Year
| Model and Trim | Annual Premium | Monthly Premium |
|---|---|---|
| Nissan Murano S 2WD | $1,258 | $105 |
| Nissan Murano S AWD | $1,258 | $105 |
| Nissan Murano SL 2WD | $1,258 | $105 |
| Nissan Murano SL AWD | $1,300 | $108 |
| Nissan Murano LE 2WD | $1,422 | $119 |
| Nissan Murano LE AWD | $1,422 | $119 |
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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2024 Nissan Murano | $282 | $506 | $398 | $1,344 |
| 2023 Nissan Murano | $272 | $494 | $416 | $1,340 |
| 2022 Nissan Murano | $262 | $474 | $430 | $1,324 |
| 2021 Nissan Murano | $248 | $458 | $442 | $1,306 |
| 2020 Nissan Murano | $238 | $424 | $452 | $1,272 |
| 2019 Nissan Murano | $230 | $400 | $456 | $1,244 |
| 2018 Nissan Murano | $220 | $358 | $460 | $1,196 |
| 2017 Nissan Murano | $206 | $330 | $460 | $1,154 |
| 2016 Nissan Murano | $198 | $310 | $464 | $1,130 |
| 2015 Nissan Murano | $194 | $288 | $474 | $1,114 |
| 2014 Nissan Murano | $180 | $268 | $474 | $1,080 |
| 2013 Nissan Murano | $174 | $244 | $478 | $1,054 |
| 2012 Nissan Murano | $162 | $222 | $474 | $1,016 |
| 2011 Nissan Murano | $152 | $202 | $474 | $986 |
| 2010 Nissan Murano | $148 | $182 | $468 | $956 |
| 2009 Nissan Murano | $146 | $178 | $460 | $942 |
| 2007 Nissan Murano | $132 | $160 | $446 | $896 |
| 2006 Nissan Murano | $126 | $152 | $442 | $878 |
Rates are averaged for all Nissan Murano 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 More Affordable Nissan Murano Insurance
Finding cheaper rates on Nissan Murano insurance consists of being a low-risk driver, maintaining a good credit score, not filing small claims, and taking advantage of discounts. Shop around at least every other year by requesting rates from direct companies, and also from several local insurance agents.
The items below are a summary of the car insurance concepts covered above.
- High-risk drivers who have multiple accidents or major violations pay on average $1,560 more each year to insure their Murano
- You may be able to save as much as $160 per year simply by quoting online in advance
- Increasing comprehensive and collision deductibles can save approximately $500 each year
- Drivers who require more liability coverage will pay about $460 every year to raise from a 30/60 limit to the 250/500 level
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.
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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.
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
Rate Tables and Charts
Rates by Driver Age
| Driver Age | Premium |
|---|---|
| 16 | $5,062 |
| 20 | $3,098 |
| 30 | $1,396 |
| 40 | $1,340 |
| 50 | $1,226 |
| 60 | $1,202 |
Full coverage, $500 deductibles
Rates by Deductible
| Deductible | Premium |
|---|---|
| $100 | $1,678 |
| $250 | $1,522 |
| $500 | $1,340 |
| $1,000 | $1,166 |
Full coverage, driver age 40
Rates by Liability Limit
| Liability Limit | Premium |
|---|---|
| 30/60 | $1,340 |
| 50/100 | $1,505 |
| 100/300 | $1,609 |
| 250/500 | $1,880 |
| 100 CSL | $1,547 |
| 300 CSL | $1,776 |
| 500 CSL | $1,942 |
Full coverage, driver age 40
Rates for High Risk Drivers
| Age | Premium |
|---|---|
| 16 | $7,210 |
| 20 | $4,936 |
| 30 | $2,964 |
| 40 | $2,904 |
| 50 | $2,772 |
| 60 | $2,746 |
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $71 |
| Multi-vehicle | $71 |
| Homeowner | $20 |
| 5-yr Accident Free | $97 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $60 |
| Advance Quote | $66 |
| Online Quote | $95 |
| Total Discounts | $566 |
Discounts are estimated and may not be available from every company or in every state.
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