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 auto insurance rates for a Nissan Pathfinder are $1,294 annually for full coverage. Comprehensive costs on average $294 each year, collision costs $452, and liability coverage costs $390. Liability-only insurance costs as little as $452 a year, with high-risk driver insurance costing around $2,772. 16-year-old 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:

Rates are based on $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Pathfinder models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have fewer accident claims than congested cities.

The graphic below illustrates the effect of geographic area on car insurance rates.

The examples above show why all drivers should compare rates based on a specific location and their own personal driving habits, rather than using rate averages.

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

More Rate Information

The chart below shows estimated Nissan Pathfinder insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $758
• Drivers who choose higher $1,000 deductibles will pay around $170 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $1,294
• Buying low deductibles for comprehensive and collision insurance will cost $1,618
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,772 or more
• Policy cost with full coverage for a teenage driver may cost $4,798 a year

View Chart as Image

Auto insurance rates for a Nissan Pathfinder also range considerably based on the model year and trim level, your driver profile, and policy deductibles and limits.

More mature drivers with a good driving record and high physical damage deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will have to pay upwards of $4,700 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,500 to $2,100 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost around 44% to 130% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $500 a year, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Nissan Pathfinder insurance rates. A 40-year-old driver could pay as low as $850 a year in states like Idaho, Maine, and Iowa, or at least $1,850 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison and see how they stack up. Every company utilizes a different rate formula, and quoted rates will be varied between companies.

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 Buy the Best Cheap Nissan Pathfinder Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having above-average credit, avoid buying unnecessary coverage, and taking advantage of discounts. Take the time to compare rates once a year by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The items below are a quick review of the data that was covered in the above illustrations.

• Drivers can save as much as $150 per year simply by quoting online in advance
• Consumers who require more liability coverage will pay around $430 each year to go from a 30/60 limit to higher 250/500 limits
• Teen drivers are charged the highest rates, costing up to $400 each month if full coverage is included
• Drivers with a DUI or reckless driving violation may be required to pay an average of $1,480 more each year to insure their Pathfinder

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.