Nissan Pathfinder Insurance Rates

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Melanie Musson

Published Insurance Expert

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...

Published Insurance Expert

UPDATED: Jun 6, 2023

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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 insurance rates for a Nissan Pathfinder are $1,196 a year including full coverage. Comprehensive insurance costs an estimated $230 a year, collision insurance costs $352, and liability insurance is estimated at $456. Buying just liability costs approximately $508 a year, and insurance for high-risk drivers costs $2,578 or more. Teen drivers receive the highest rates at up to $4,630 a year.

Average premium for full coverage: $1,196

Rate estimates broken down by individual coverage type:

Comprehensive $230
Collision $352
Liability $456

Rates are based on $500 policy deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Pathfinder trim levels.

Price Range by Coverage and Risk

Using a middle-aged driver as an example, prices range range from as low as $508 for just liability coverage to a high of $2,578 for a driver that may need high-risk insurance.

Liability Only $508
Full Coverage $1,196
High Risk $2,578

Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. More rural locations tend to have a lower frequency of comprehensive and collision claims than larger metro areas. The diagram below illustrates how where you live affects insurance prices.

Rural Areas $897
Small Cities $1,256
Large Cities $1,615

These examples highlight why it is important to get quotes for a targeted area and risk profile, 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.

Detailed Rate Analysis

The chart below breaks down average Nissan Pathfinder insurance rates for other coverage scenarios.

  • The lowest rate with discounts is $707
  • Choosing higher $1,000 deductibles can save approximately $1,064 every year
  • The average rate for a 40-year-old driver who has $500 deductibles is $1,196
  • Choosing low $100 deductibles for comp and collision coverage will cost an extra $254 a year
  • High-risk insureds with multiple violations and an at-fault accident could pay up to $2,578
  • The cost for full coverage for a teen driver can cost as much as $4,630 each year

View Chart as Image

Nissan Pathfinder insurance cost comparison chart
Column chart showing Nissan Pathfinder insurance prices range from $707 to $4,630 for full coverage

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

Older drivers with a good driving record and high deductibles could pay as little as $1,100 annually on average for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay at least $4,600 a year. View Rates by Age

Where you live plays a big part in determining prices for Nissan Pathfinder insurance rates. A good driver about age 40 could pay as low as $920 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,710 on average in Louisiana, New York, and Michigan.

Nissan Pathfinder Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,082 -$114 -9.5%
Alaska $918 -$278 -23.2%
Arizona $992 -$204 -17.1%
Arkansas $1,196 -$0 0.0%
California $1,364 $168 14.0%
Colorado $1,144 -$52 -4.3%
Connecticut $1,230 $34 2.8%
Delaware $1,356 $160 13.4%
Florida $1,498 $302 25.3%
Georgia $1,104 -$92 -7.7%
Hawaii $860 -$336 -28.1%
Idaho $810 -$386 -32.3%
Illinois $892 -$304 -25.4%
Indiana $900 -$296 -24.7%
Iowa $806 -$390 -32.6%
Kansas $1,138 -$58 -4.8%
Kentucky $1,632 $436 36.5%
Louisiana $1,770 $574 48.0%
Maine $740 -$456 -38.1%
Maryland $988 -$208 -17.4%
Massachusetts $958 -$238 -19.9%
Michigan $2,078 $882 73.7%
Minnesota $1,002 -$194 -16.2%
Mississippi $1,432 $236 19.7%
Missouri $1,062 -$134 -11.2%
Montana $1,286 $90 7.5%
Nebraska $942 -$254 -21.2%
Nevada $1,434 $238 19.9%
New Hampshire $862 -$334 -27.9%
New Jersey $1,336 $140 11.7%
New Mexico $1,058 -$138 -11.5%
New York $1,262 $66 5.5%
North Carolina $690 -$506 -42.3%
North Dakota $978 -$218 -18.2%
Ohio $826 -$370 -30.9%
Oklahoma $1,230 $34 2.8%
Oregon $1,096 -$100 -8.4%
Pennsylvania $1,140 -$56 -4.7%
Rhode Island $1,596 $400 33.4%
South Carolina $1,084 -$112 -9.4%
South Dakota $1,010 -$186 -15.6%
Tennessee $1,046 -$150 -12.5%
Texas $1,442 $246 20.6%
Utah $888 -$308 -25.8%
Vermont $820 -$376 -31.4%
Virginia $718 -$478 -40.0%
Washington $924 -$272 -22.7%
West Virginia $1,096 -$100 -8.4%
Wisconsin $828 -$368 -30.8%
Wyoming $1,066 -$130 -10.9%

View Chart as Image

Nissan Pathfinder insurance rates by U.S. city

Choosing high deductibles can save as much as $390 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 limit to a 250/500 limit will cost as much as $411 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying $1,400 to $2,000 in extra premium per year, depending on your age. A high-risk auto insurance policy ranges anywhere from 43% to 131% more than average. View High Risk Driver Rates

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 $1,118 $93
Nissan Pathfinder S 4WD $1,128 $94
Nissan Pathfinder SE 2WD $1,162 $97
Nissan Pathfinder SE 4WD $1,162 $97
Nissan Pathfinder LE 2WD $1,264 $105
Nissan Pathfinder LE 4WD $1,264 $105

Rates assume 2017 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 $262 $418 $430 $1,268
2017 Nissan Pathfinder $230 $352 $456 $1,196
2016 Nissan Pathfinder $220 $316 $460 $1,154
2015 Nissan Pathfinder $206 $292 $460 $1,116
2014 Nissan Pathfinder $198 $272 $464 $1,092
2013 Nissan Pathfinder $194 $254 $474 $1,080
2011 Nissan Pathfinder $174 $214 $478 $1,024
2010 Nissan Pathfinder $162 $196 $474 $990
2008 Nissan Pathfinder $148 $160 $468 $934
2007 Nissan Pathfinder $146 $156 $460 $920
2006 Nissan Pathfinder $144 $150 $452 $904
2005 Nissan Pathfinder $132 $142 $446 $878
2004 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 Find the Best Cheap Nissan Pathfinder Insurance

Saving money on Nissan Pathfinder insurance takes being safe and accident-free, having good credit, not filing small claims, and consideration of higher deductibles. Take the time to comparison shop once a year by getting quotes from direct car insurance companies like GEICO and Progressive, and also from your local independent and exclusive agents.

Below you'll find a quick review of the data that was touched on in the above illustrations.

  • You may be able to save approximately $140 per year just by quoting early and online
  • Drivers who want more liability protection will pay about $500 per year to raise limits from a minimum limit to 250/500 limits
  • Youthful drivers are the costliest to insure, as much as $386 per month if they have full coverage
  • High-risk drivers with a DUI or reckless driving violation may pay on average $1,380 more annually than a low-risk driver

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.

Rates by Driver Age

Nissan Pathfinder Insurance Rates by Driver Age
Driver Age Premium
16 $4,630
20 $2,742
30 $1,232
40 $1,196
50 $1,094
60 $1,072

Full coverage, $500 deductibles

Rates by Deductible

Nissan Pathfinder Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,450
$250 $1,334
$500 $1,196
$1,000 $1,064

Full coverage, driver age 40

Rates by Liability Limit

Nissan Pathfinder Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,196
50/100 $1,355
100/300 $1,469
250/500 $1,766
100 CSL $1,401
300 CSL $1,652
500 CSL $1,834

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Pathfinder Insurance Rates for High Risk Drivers
Age Premium
16 $6,564
20 $4,368
30 $2,616
40 $2,578
50 $2,462
60 $2,440

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 $163

Potential Rate Discounts

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

Discount Savings
Multi-policy $62
Multi-vehicle $63
Homeowner $20
5-yr Accident Free $80
5-yr Claim Free $76
Paid in Full/EFT $49
Advance Quote $56
Online Quote $83
Total Discounts $489
Rate after discounts $707

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

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