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 prices for a Nissan Pathfinder are $1,286 every 12 months for full coverage. Comprehensive costs an estimated $282 each year, collision costs $448, and liability insurance costs around $398. Buying just liability costs as low as $460 a year, with insurance for high-risk drivers costing around $2,762. Teen drivers cost the most to insure at $4,808 a year or more.

Average premium for full coverage: $1,286

Policy rates broken down by type of insurance:

Includes $500 physical damage insurance deductibles, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and Pathfinder models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on insurance rates. More rural locations are shown to have more infrequent accident claims than larger metro areas.

The graphic below illustrates how rural and urban location affects insurance prices.

The examples above show why all drivers should compare prices for a targeted area and their own driving history, rather than relying on price averages.

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

More Rate Details

The chart below shows estimated Nissan Pathfinder insurance rates for other coverage scenarios.

• The lowest rate with discounts is $753
• Using higher $1,000 deductibles will save approximately $166 a year
• The average price for a good driver age 40 who has $500 deductibles is $1,286
• Choosing low deductibles for physical damage coverage increases the price to $1,604
• Drivers with multiple violations and an at-fault accident could pay up to $2,762 or more
• Policy cost to insure a teen driver can cost as much as $4,808 or more

View Chart as Image

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

Choosing high deductibles could cut rates by as much as $490 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,200 a year, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay at least $4,800 a year. View Rates by Age

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

Your home state has a huge impact on Nissan Pathfinder insurance rates. A driver around age 40 might see rates as low as $850 a year in states like Iowa, Maine, and Idaho, or as much as $1,840 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, 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 Shop for the Cheapest Nissan Pathfinder Insurance

Finding cheaper rates on Nissan Pathfinder insurance requires being a low-risk driver, having good credit, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to shop around once a year by requesting rates from direct carriers, and also from several local insurance agents.

The items below are a recap of the data that was raised in the charts and tables above.

• Drivers can save approximately $150 per year simply by quoting online in advance
• Drivers who want more liability coverage will pay about $440 each year to increase from a 30/60 limit to a 250/500 level
• Teen drivers are charged the highest rates, costing up to $401 each month if they have full coverage
• High-risk drivers that have major violations or accidents pay on average $1,480 more annually 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.