Nissan Pathfinder Insurance Rates
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UPDATED: Apr 30, 2020
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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:
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.
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.
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
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.
|State||Premium||Compared to U.S. Avg||Percent Difference|
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
|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.
|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.
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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.
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
|5-yr Accident Free||$91|
|5-yr Claim Free||$82|
|Paid in Full/EFT||$57|
Discounts are estimated and may not be available from every company or in every state.