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 including full coverage. Comprehensive costs on average $282 a year, collision costs $448, and liability coverage costs $398. Liability-only coverage costs as little as $460 a year, with high-risk coverage 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 by type of insurance:

Rate estimates include $500 deductible amounts, liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Pathfinder trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than congested cities.

The diagram below illustrates how rural and urban location affects car insurance rates.

The examples above highlight why it is important to compare rates based on a specific location and their own driving history, rather than using rate averages.

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

More Rate Details

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

• The best full coverage rate is $753
• Drivers who choose higher $1,000 deductibles will pay around $1,120 every year
• The average price for a good driver age 40 with $500 deductibles is $1,286
• Buying low $100 deductibles for comprehensive and collision insurance increases the price to $1,604
• High-risk insureds with multiple tickets or accidents could pay upwards of $2,762 or more
• Policy cost to insure a teenage driver may cost $4,808 a year

View Chart as Image

Insurance rates for a Nissan Pathfinder also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level of your Pathfinder.

Opting for high physical damage deductibles could save up to $490 a year, while buying higher liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $358 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may only pay around $1,200 per year on average, or $100 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers should be prepared to pay upwards of $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 are likely paying at a minimum $1,500 to $2,100 additional every year, depending on your age. A high-risk auto insurance policy can cost around 44% to 130% more than the average rate. View High Risk Driver Rates

Your home state makes a big difference in Nissan Pathfinder insurance rates. A 40-year-old driver could pay 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

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes and see how they stack up. Every company utilizes a different rate formula, and 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 Best Nissan Pathfinder Insurance

Finding cheaper rates on auto insurance not only requires having a good driving record, but also having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Set aside time to shop around once a year by getting rate quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The next list is a brief recap of the data that was raised in the charts and tables above.

• You may be able to save as much as $150 per year simply by quoting early and online
• Consumers who require increased levels of liability coverage will pay around $440 per year to go from a 30/60 limit to a 250/500 level
• Drivers age 20 and younger pay higher rates, with premiums being up to $401 each month if full coverage is included
• Drivers who tend to receive serious violations may pay on average $1,480 more each year to buy Nissan Pathfinder insurance

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.