1. Vehicles
  2. Nissan
  3. Pathfinder

Nissan Pathfinder Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

Full Bio →

Written by

UPDATED: Apr 30, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

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 $1,294 annually for full coverage. Comprehensive insurance costs around $294 each year, collision costs $452, and liability insurance costs around $390. Buying just liability costs as low as $452 a year, with insurance for high-risk drivers costing $2,772 or more. Teenage drivers receive the highest rates at $4,798 a year or more.

Average premium for full coverage: $1,294

Rate estimates for individual coverage type:

Comprehensive $294
Collision $452
Liability $390

Rate estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all states and Pathfinder models.

Price Range by Coverage and Risk

For an average driver, prices range go from as cheap as $452 for a discount liability-only rate to a high rate of $2,772 for a driver required to buy high-risk insurance.

Liability Only $452
Full Coverage $1,294
High Risk $2,772

Price Range by Location

Where you live has a significant impact on auto insurance rates. Areas with sparse population tend to have fewer accident claims than densely populated cities.

The graphic below illustrates the effect of geographic area on auto insurance rates.

Rural Areas $971
Small Cities $1,359
Large Cities $1,747

These examples show why all drivers should compare prices for a specific zip code and their own personal driving habits, rather than relying on average rates.

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.

Rates by State, City, and Model

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

  • The best discount rate is $758
  • Using higher $1,000 deductibles will save about $170 a year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,294
  • Using low deductibles for physical damage coverage costs an additional $324 a year
  • Drivers who are prone to accidents and violations could pay at least $2,772 or more
  • The cost with full coverage for a teen driver can be $4,798 or more

View Chart as Image

Nissan Pathfinder insurance cost comparison chart
Column chart showing full coverage Nissan Pathfinder insurance prices range from $758 to $4,798

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

More mature drivers with a good driving record and high physical damage deductibles could pay as little as $1,200 a year for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay as much as $4,700 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying at least $1,500 to $2,100 in extra premium per year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $500 each year, whereas increasing liability limits will increase rates. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $351 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Nissan Pathfinder insurance rates. A driver around age 40 might see rates as low as $850 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,850 on average in Michigan, Louisiana, and New York.

Nissan Pathfinder Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,170 -$124 -9.6%
Alaska $992 -$302 -23.3%
Arizona $1,074 -$220 -17.0%
Arkansas $1,294 -$0 0.0%
California $1,472 $178 13.8%
Colorado $1,234 -$60 -4.6%
Connecticut $1,330 $36 2.8%
Delaware $1,464 $170 13.1%
Florida $1,618 $324 25.0%
Georgia $1,194 -$100 -7.7%
Hawaii $928 -$366 -28.3%
Idaho $874 -$420 -32.5%
Illinois $962 -$332 -25.7%
Indiana $974 -$320 -24.7%
Iowa $872 -$422 -32.6%
Kansas $1,228 -$66 -5.1%
Kentucky $1,764 $470 36.3%
Louisiana $1,914 $620 47.9%
Maine $798 -$496 -38.3%
Maryland $1,066 -$228 -17.6%
Massachusetts $1,034 -$260 -20.1%
Michigan $2,248 $954 73.7%
Minnesota $1,082 -$212 -16.4%
Mississippi $1,548 $254 19.6%
Missouri $1,146 -$148 -11.4%
Montana $1,388 $94 7.3%
Nebraska $1,022 -$272 -21.0%
Nevada $1,552 $258 19.9%
New Hampshire $932 -$362 -28.0%
New Jersey $1,446 $152 11.7%
New Mexico $1,146 -$148 -11.4%
New York $1,362 $68 5.3%
North Carolina $744 -$550 -42.5%
North Dakota $1,060 -$234 -18.1%
Ohio $894 -$400 -30.9%
Oklahoma $1,328 $34 2.6%
Oregon $1,186 -$108 -8.3%
Pennsylvania $1,234 -$60 -4.6%
Rhode Island $1,726 $432 33.4%
South Carolina $1,172 -$122 -9.4%
South Dakota $1,090 -$204 -15.8%
Tennessee $1,132 -$162 -12.5%
Texas $1,560 $266 20.6%
Utah $958 -$336 -26.0%
Vermont $884 -$410 -31.7%
Virginia $774 -$520 -40.2%
Washington $998 -$296 -22.9%
West Virginia $1,186 -$108 -8.3%
Wisconsin $896 -$398 -30.8%
Wyoming $1,154 -$140 -10.8%

View Chart as Image

Nissan Pathfinder insurance rates by U.S. city

With so much variability in rates, the only way to know your exact price is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate rates, and quoted rates can be significantly different between companies.

Insurance Rates by Trim Level and Model Year

Nissan Pathfinder Insurance Rates by Model and Trim Level
Model and Trim Annual Premium Monthly Premium
Nissan Pathfinder S 2WD $1,194 $100
Nissan Pathfinder S 4WD $1,208 $101
Nissan Pathfinder SE 2WD $1,250 $104
Nissan Pathfinder SE 4WD $1,250 $104
Nissan Pathfinder LE 2WD $1,380 $115
Nissan Pathfinder LE 4WD $1,380 $115

Rates assume 2020 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.

Nissan Pathfinder Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2020 Nissan Pathfinder $294 $452 $390 $1,294
2019 Nissan Pathfinder $282 $448 $398 $1,286
2018 Nissan Pathfinder $272 $436 $416 $1,282
2017 Nissan Pathfinder $262 $418 $430 $1,268
2016 Nissan Pathfinder $248 $404 $442 $1,252
2015 Nissan Pathfinder $238 $374 $452 $1,222
2014 Nissan Pathfinder $230 $352 $456 $1,196
2013 Nissan Pathfinder $220 $316 $460 $1,154
2012 Nissan Pathfinder $206 $292 $460 $1,116
2011 Nissan Pathfinder $198 $272 $464 $1,092
2010 Nissan Pathfinder $194 $254 $474 $1,080
2009 Nissan Pathfinder $180 $236 $474 $1,048
2008 Nissan Pathfinder $174 $214 $478 $1,024
2007 Nissan Pathfinder $162 $196 $474 $990
2006 Nissan Pathfinder $152 $178 $474 $962
2005 Nissan Pathfinder $148 $160 $468 $934
2004 Nissan Pathfinder $146 $156 $460 $920
2003 Nissan Pathfinder $144 $150 $452 $904
2002 Nissan Pathfinder $132 $142 $446 $878
2001 Nissan Pathfinder $126 $134 $442 $860

Rates are averaged for all Nissan Pathfinder 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 the Best Nissan Pathfinder Insurance

Saving money on Nissan Pathfinder insurance requires avoiding accidents and violations, having above-average credit, eliminating unneeded coverage, and maximizing policy discounts. Take the time to compare rates at every policy renewal by getting quotes from direct carriers like Progressive and GEICO, and also from local independent and exclusive agents.

The list below is a brief recap of the data covered in the above illustrations.

  • Drivers who may need higher liability limits will pay an extra $430 each year to increase from a minimum limit to higher 250/500 limits
  • Drivers can save up to $150 per year simply by quoting online in advance
  • Increasing deductibles could save up to $500 each year
  • Teenagers are expensive to insure, costing as high as $400 per month if full coverage is included

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.

Free Car Insurance Comparison

Compare Quotes From Top Companies and Save

 Secured with SHA-256 Encryption

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.

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.

Rates by Driver Age

Nissan Pathfinder Insurance Rates by Driver Age
Driver Age Premium
16 $4,798
20 $2,946
30 $1,344
40 $1,294
50 $1,180
60 $1,154

Full coverage, $500 deductibles

Rates by Deductible

Nissan Pathfinder Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,618
$250 $1,470
$500 $1,294
$1,000 $1,124

Full coverage, driver age 40

Rates by Liability Limit

Nissan Pathfinder Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,294
50/100 $1,458
100/300 $1,556
250/500 $1,809
100 CSL $1,497
300 CSL $1,712
500 CSL $1,868

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Pathfinder Insurance Rates for High Risk Drivers
Age Premium
16 $6,828
20 $4,680
30 $2,828
40 $2,772
50 $2,642
60 $2,618

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.

SR-22 Surcharge $174

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $68
Multi-vehicle $66
Homeowner $19
5-yr Accident Free $91
5-yr Claim Free $82
Paid in Full/EFT $57
Advance Quote $62
Online Quote $91
Total Discounts $536
Rate after discounts $758

Discounts are estimated and may not be available from every company or in every state.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles