Nissan Pathfinder Insurance Rates

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.

The average insurance rates for a Nissan Pathfinder are $1,286 a year including full coverage. Comprehensive costs around $282, collision costs $448, and liability costs around $398. Buying just liability costs as low as $460 a year, with insurance for high-risk drivers costing around $2,762. 16-year-old drivers cost the most to insure at $4,808 a year or more.

Average premium for full coverage: $1,286

Policy rates for type of insurance:

Full coverage includes $500 deductibles, 30/60 liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Pathfinder models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than congested cities.

The example below illustrates how your location can change auto insurance rates.

The examples above highlight why everyone should compare prices for a specific zip code, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

Rate Comparisons

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

• The best full coverage rate is $753
• Using higher $1,000 deductibles will save about $166 every year
• The estimated price for a good driver age 40 using $500 deductibles is $1,286
• Buying pricier low deductibles for physical damage coverage bumps up the cost to $1,604
• High-risk insureds with multiple tickets or accidents could pay at least $2,762 or more
• Policy cost that insures a 16-year-old driver for full coverage can be $4,808 or more

View Chart as Image

Insurance rates for a Nissan Pathfinder also range considerably based on the model of your Pathfinder, your driving record and age, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are likely paying at least $1,500 to $2,100 extra every year, depending on your age. Nissan Pathfinder insurance for high-risk drivers can be from 44% to 130% more than the average rate. View High Risk Driver Rates

A more mature driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay as much as $4,800 a year. View Rates by Age

Your home state has a huge impact on Nissan Pathfinder insurance prices. A driver around age 40 might see rates as low as $990 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,840 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $490 annually, whereas buying more liability protection will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out your exact price is to regularly compare rates from multiple companies. Each insurance company utilizes a different rate formula, so the rates will be varied.

Insurance Rates by Trim Level and Model Year

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.

How to Find More Affordable Nissan Pathfinder Insurance

Finding cheaper rates on insurance for a Nissan Pathfinder requires not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Comparison shop at every policy renewal by getting quotes from direct car insurance companies, and also from local insurance agencies.

The following is a summary of the data illustrated above.

• Insureds who may need higher liability limits will pay around $440 per year to increase from a 30/60 limit to the 250/500 level
• You may be able to save up to $150 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $475 each year
• Teens pay higher rates, with premiums being up to $401 each 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.

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.

• Buick Enclave
• Honda Pilot
• Volkswagen Tiguan

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.