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Nissan Pathfinder Insurance Rates

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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...

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UPDATED: Apr 30, 2020

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Nissan Pathfinder insurance

Average auto insurance rates for a Nissan Pathfinder are $1,308 annually for full coverage. Comprehensive insurance costs around $308 each year, collision costs $470, and liability insurance costs around $372. Buying just liability costs as low as $438 a year, with insurance for high-risk drivers costing $2,800 or more. Teenage drivers receive the highest rates at $4,810 a year or more.

Average premium for full coverage: $1,308

Rate estimates for individual coverage type:

Comprehensive $308
Collision $470
Liability $372

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 $438 for a discount liability-only rate to a high rate of $2,800 for a driver required to buy high-risk insurance.

Liability Only $438
Full Coverage $1,308
High Risk $2,800

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 $981
Small Cities $1,373
Large Cities $1,766

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 $766
  • Using higher $1,000 deductibles will save about $178 a year
  • The estimated rate for a 40-year-old driver using $500 deductibles is $1,308
  • Using low deductibles for physical damage coverage costs an additional $338 a year
  • Drivers who are prone to accidents and violations could pay at least $2,800 or more
  • The cost with full coverage for a teen driver can be $4,810 or more

View Chart as Image

Nissan Pathfinder insurance cost comparison chart
Column chart showing full coverage Nissan Pathfinder insurance prices range from $766 to $4,810

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 $4,800 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 128% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $520 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 $335 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 $860 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,870 on average in Michigan, Louisiana, and New York.

Nissan Pathfinder Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,182 -$126 -9.6%
Alaska $1,004 -$304 -23.2%
Arizona $1,086 -$222 -17.0%
Arkansas $1,308 -$0 0.0%
California $1,490 $182 13.9%
Colorado $1,250 -$58 -4.4%
Connecticut $1,344 $36 2.8%
Delaware $1,480 $172 13.1%
Florida $1,636 $328 25.1%
Georgia $1,208 -$100 -7.6%
Hawaii $942 -$366 -28.0%
Idaho $884 -$424 -32.4%
Illinois $976 -$332 -25.4%
Indiana $984 -$324 -24.8%
Iowa $884 -$424 -32.4%
Kansas $1,244 -$64 -4.9%
Kentucky $1,784 $476 36.4%
Louisiana $1,936 $628 48.0%
Maine $808 -$500 -38.2%
Maryland $1,080 -$228 -17.4%
Massachusetts $1,048 -$260 -19.9%
Michigan $2,272 $964 73.7%
Minnesota $1,094 -$214 -16.4%
Mississippi $1,566 $258 19.7%
Missouri $1,160 -$148 -11.3%
Montana $1,404 $96 7.3%
Nebraska $1,032 -$276 -21.1%
Nevada $1,568 $260 19.9%
New Hampshire $942 -$366 -28.0%
New Jersey $1,462 $154 11.8%
New Mexico $1,158 -$150 -11.5%
New York $1,378 $70 5.4%
North Carolina $754 -$554 -42.4%
North Dakota $1,070 -$238 -18.2%
Ohio $902 -$406 -31.0%
Oklahoma $1,344 $36 2.8%
Oregon $1,198 -$110 -8.4%
Pennsylvania $1,250 -$58 -4.4%
Rhode Island $1,744 $436 33.3%
South Carolina $1,186 -$122 -9.3%
South Dakota $1,104 -$204 -15.6%
Tennessee $1,146 -$162 -12.4%
Texas $1,576 $268 20.5%
Utah $970 -$338 -25.8%
Vermont $894 -$414 -31.7%
Virginia $784 -$524 -40.1%
Washington $1,012 -$296 -22.6%
West Virginia $1,198 -$110 -8.4%
Wisconsin $906 -$402 -30.7%
Wyoming $1,166 -$142 -10.9%

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 $1,204 $100
Nissan Pathfinder S 4WD $1,218 $102
Nissan Pathfinder SE 2WD $1,262 $105
Nissan Pathfinder SE 4WD $1,262 $105
Nissan Pathfinder LE 2WD $1,398 $117
Nissan Pathfinder LE 4WD $1,398 $117

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 $308 $470 $372 $1,308
2019 Nissan Pathfinder $294 $452 $390 $1,294
2018 Nissan Pathfinder $282 $448 $398 $1,286
2017 Nissan Pathfinder $272 $436 $416 $1,282
2016 Nissan Pathfinder $262 $418 $430 $1,268
2015 Nissan Pathfinder $248 $404 $442 $1,252
2014 Nissan Pathfinder $238 $374 $452 $1,222
2013 Nissan Pathfinder $230 $352 $456 $1,196
2012 Nissan Pathfinder $220 $316 $460 $1,154
2011 Nissan Pathfinder $206 $292 $460 $1,116
2010 Nissan Pathfinder $198 $272 $464 $1,092
2009 Nissan Pathfinder $194 $254 $474 $1,080
2008 Nissan Pathfinder $180 $236 $474 $1,048
2007 Nissan Pathfinder $174 $214 $478 $1,024
2006 Nissan Pathfinder $162 $196 $474 $990
2005 Nissan Pathfinder $152 $178 $474 $962
2004 Nissan Pathfinder $148 $160 $468 $934
2003 Nissan Pathfinder $146 $156 $460 $920
2002 Nissan Pathfinder $144 $150 $452 $904
2001 Nissan Pathfinder $132 $142 $446 $878

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 $410 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 $525 each year
  • Teenagers are expensive to insure, costing as high as $401 per month if full coverage is included

Rates by Driver Age

Nissan Pathfinder Insurance Rates by Driver Age
Driver Age Premium
16 $4,810
20 $2,978
30 $1,364
40 $1,308
50 $1,194
60 $1,168

Full coverage, $500 deductibles

Rates by Deductible

Nissan Pathfinder Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,646
$250 $1,490
$500 $1,308
$1,000 $1,130

Full coverage, driver age 40

Rates by Liability Limit

Nissan Pathfinder Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,308
50/100 $1,472
100/300 $1,565
250/500 $1,807
100 CSL $1,510
300 CSL $1,714
500 CSL $1,863

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Pathfinder Insurance Rates for High Risk Drivers
Age Premium
16 $6,848
20 $4,720
30 $2,858
40 $2,800
50 $2,666
60 $2,640

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 $175

Potential Rate Discounts

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

Discount Savings
Multi-policy $69
Multi-vehicle $66
Homeowner $19
5-yr Accident Free $93
5-yr Claim Free $83
Paid in Full/EFT $58
Advance Quote $62
Online Quote $92
Total Discounts $542
Rate after discounts $766

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

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