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 $1,294 a year for full coverage. Comprehensive insurance costs approximately $294 each year, collision costs $452, and liability is $390. Buying just liability costs around $452 a year, with insurance for high-risk drivers costing $2,772 or more. Teen drivers cost the most to insure at $4,798 a year or more.

Average premium for full coverage: $1,294

Policy rates by type of insurance:

Rate estimates include $500 deductible amounts, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and Pathfinder models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than larger metro areas.

The graphic below illustrates how location helps determine auto insurance prices.

The examples above show why all drivers should compare rates quotes using their specific location and risk profile, instead of making a decision based on price averages.

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

Additional Charts and Tables

The chart below shows estimated Nissan Pathfinder insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $758
• Raising to $1,000 deductibles will save $170 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $1,294
• Choosing low deductibles will cost an extra $324 annually
• Drivers with multiple violations and an at-fault accident could pay around $2,772 or more
• Policy cost for full coverage for a 16-year-old driver can cost $4,798

View Chart as Image

Insurance rates for a Nissan Pathfinder also range considerably based on your risk profile, the trim level of your Pathfinder, and physical damage deductibles and liability limits.

More mature drivers with a clean driving record and high deductibles may pay as low as $1,200 every 12 months on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $4,700 a year. View Rates by Age

Your home state also has a big influence on Nissan Pathfinder insurance prices. A middle-age driver might find rates as low as $850 a year in states like Iowa, Maine, and Idaho, or as much as $1,850 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can reduce rates by up to $500 annually, whereas increasing liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $351 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,500 to $2,100 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost from 44% to 130% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to do a rate comparison from multiple companies. Every auto insurance company uses a different rate calculation, so the rates will be varied from one company to the next.

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 the Best Nissan Pathfinder Insurance

Finding cheaper rates on insurance for a Nissan Pathfinder consists of having a good driving record, maintaining good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Invest time comparing rates at least once a year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a brief recap of the primary concepts that were covered in the charts and tables above.

• Drivers can save around $150 per year simply by quoting online in advance
• Drivers considered higher risk who tend to receive serious violations may pay on average $1,480 more per year to buy Nissan Pathfinder insurance
• Increasing comprehensive and collision deductibles can save around $500 each year
• Drivers age 20 and younger are expensive to insure, costing up to $400 each month for full coverage

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.