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.
Average auto insurance rates for a Nissan Murano are $1,340 annually including full coverage. Comprehensive insurance costs around $272 a year, collision costs $494, and liability insurance is $416. A liability-only policy costs around $474 a year, with high-risk insurance costing $2,904 or more. Teens receive the highest rates at $5,062 a year or more.
Average premium for full coverage: $1,340
Rate estimates for individual coverage type:
Estimates include $500 physical damage deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Murano trim levels.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from as cheap as $474 for basic liability insurance to a high of $2,904 for high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population tend to have fewer comprehensive and collision claims than cities with more traffic congestion.
The diagram below illustrates how rural and urban location affects auto insurance rates.
These examples highlight why it is important to compare rates quotes for a specific zip code and their own personal driving habits, rather than relying on averaged prices.
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.
Rate Comparisons
The chart below breaks down estimated Nissan Murano insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $774
- Raising to $1,000 deductibles will save about $1,166 every year
- The estimated rate for a 40-year-old driver using $500 deductibles is $1,340
- Selecting low $100 deductibles costs an additional $338 a year
- Higher-risk drivers with serious driving violations could pay at least $2,904 or more
- The cost with full coverage for a teen driver can be $5,062
Insurance rates for a Nissan Murano can also vary considerably based on the trim level of your Murano, your driving characteristics, and deductibles and policy limits.
Older drivers with a clean driving record and high physical damage deductibles could pay as little as $1,300 every 12 months on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they can expect to pay as much as $5,000 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at least $1,600 to $2,200 extra per year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 43% to 133% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $520 each year, while buying higher liability limits will increase rates. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $375 more per year. View Rates by Deductible or Liability Limit
Where you live also has a big influence on Nissan Murano insurance rates. A middle-age driver might find rates as low as $1,030 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,910 on average in Michigan, New York, and Louisiana.
| 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% |
With so much variability in rates, the best way to figure out your exact price is to get quotes from as many companies as possible. Every auto insurance company calculates rates differently, so the rates can be significantly different between companies.
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 Buy Low Cost Nissan Murano Insurance
Saving money on Nissan Murano insurance consists of being a safe and courteous driver, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Set aside time to shop around every couple of years by getting rate quotes from direct car insurance companies like Progressive and GEICO, and also from your local independent and exclusive agents.
Below is a review of the material that was raised in the charts and tables above.
- Drivers who may need higher levels of liability will pay approximately $460 per year to raise from a minimum limit to higher 250/500 limits
- Teenage drivers pay higher rates, as much as $422 per month including comprehensive and collision insurance
- High-risk drivers who have several accidents or serious violations may pay on average $1,560 more every year for auto insurance
- Increasing deductibles could save up to $500 each year
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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