Nissan Maxima Insurance Rates

When it comes to the average Nissan Maxima insurance rates, expect to pay around $129 per month or $1,550 annually. However, many different factors can impact your overall car insurance costs. For example, insurance providers will consider the age and trim level of your Nissan Maxima, and will even look into safety and crash test results. 

While trying to find the right car insurance provider can be confusing and leave you with more questions than answers, read through our brief guide to learn all you need to know about how Nissan Maxima insurance rates are calculated so you can secure cheap car insurance. 

For example, if you’re looking to find out how much monthly 2011 Nissan Maxima insurance rates will end up being, it depends on whether you go with full coverage or liability alone. We will provide you with real data surrounding the Nissan Maxima including its car class, safety features, MSRP value, and repair estimates.

Ready to get started? Read through the information in this article to help you understand everything there is to know about Nissan Maxima insurance rates.

When you’re ready, enter your ZIP code into our free quote tool above to start comparing Nissan Maxima insurance quotes immediately.

The average insurance rates for a Nissan Maxima are $1,550 a year with full coverage. Comprehensive insurance costs an estimated $372 each year, collision insurance costs $630, and liability insurance is estimated at $390. Liability-only insurance costs approximately $452 a year, and high-risk driver insurance costs $3,342 or more. Teen drivers cost the most to insure at up to $5,620 a year.

Average premium for full coverage: $1,550

Policy rates broken down by type of insurance:

Includes $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all U.S. states and Maxima models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than larger metro areas. The graphic below illustrates how where you live affects insurance prices.

The examples above demonstrate why all drivers should get quotes for a targeted area and risk profile, rather than relying on price averages.

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

Additional Charts and Tables

The chart below details average Nissan Maxima insurance rates for other coverage scenarios.

• The lowest rate with discounts is $888
• Choosing higher $1,000 deductibles can save approximately $228 annually
• The average rate for a good driver age 40 who has $500 deductibles is $1,550
• Choosing low deductibles for comp and collision coverage will cost an extra $442 a year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $3,342
• Policy cost for full coverage for a teen driver can cost as much as $5,620 each year

View Chart as Image

Auto insurance rates for a Nissan Maxima also range considerably based on your risk profile, the trim level and model year, and liability limits and deductibles.

More mature drivers with a good driving record and high deductibles could pay as little as $1,400 annually on average, or $117 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay at least $5,600 a year. View Rates by Age

Your home state plays a big part in determining prices for Nissan Maxima insurance rates. A good driver about age 40 could pay as low as $1,120 a year in states like Utah, Ohio, and New Hampshire, or as much as $2,090 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $670 each year, whereas increasing liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $351 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,800 to $2,500 in extra premium every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 130% more than average. View High Risk Driver Rates

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 Cheapest Nissan Maxima Insurance

Finding cheaper rates on Nissan Maxima insurance takes being safe and accident-free, having good credit, not filing small claims, and consideration of higher deductibles. Take the time to comparison shop every couple of years by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

Below you'll find a recap of the material that was touched on in the above illustrations.

• Drivers who want more liability protection will pay about $430 every year to raise limits from a 30/60 limit to 250/500 limits
• Youthful drivers are the costliest to insure, as much as $468 each month if they have full coverage
• High-risk drivers that have major violations or accidents may pay on average $1,790 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles can save around $675 each year

How much is insurance on a Nissan Maxima? On average, expect to pay around $129 per month or $1,550 annually. But as you’ve learned from the previous information, many different factors will impact your Nissan Maxima car insurance quotes. 

For example, the age of your Nissan Maxima model as well as its trim level can majorly affect what you’ll pay for car insurance annually. You’ve seen that older Nissan Maxima’s tend to be cheaper to insure than newer models.

Similarly, your individual driver demographics will also impact your insurance rates. Insurance providers will consider your age, driving record, and the state you live in when calculating your insurance costs. 

Now that we know a little more information about Nissan Maxima insurance rates, we hopefully answered the question of if a Nissan Maxima is expensive to insure. Find your best Nissan Maxima auto insurance rates for free right now by entering your ZIP code into our quote tool below.

How does the size and class of the Nissan Maxima affect liability rates?

If you ever looked up “Nissan car insurance” to figure out how much you can expect to pay, your liability car insurance rates will depend on the size and class of the model.

Some people have asked, “is a Nissan Maxima considered a sports car?” in order to determine whether or not it’s worth the price of insurance rates. However, the Insurance Institute for Highway Safety (IIHS) classifies the Nissan Maxima as a four-door, midsize sedan. 

Midsize sedans like the Maxima are generally considered to be safer than smaller vehicles such as roadsters and sports cars. This vehicle classification therefore actually helps keep your rates low. 

You can compare the Nissan Maxima to other midsize sedans in the same car class in the list below.

• Ford Fusion
• Honda Accord
• Toyota Camry

Since insurance quotes are determined by the safety of the model, you can expect that Nissan Maxima insurance rates are more favorable than other Nissan cars. This is because the Maxima received great safety ratings, which we cover in more detail later on.

Are Nissans more expensive to insure than other car brands? Not necessarily. Nissan’s tend to fall within the average range in terms of overall car insurance costs and fees. 

The car brand is popular among younger teen drivers. Due to their lack of driving experience, teen drivers receive higher than average car insurance quotes. This helps explain why the average cost to insure the Nissan Maxima seems a little high, as the teenage driver rates are also factored into the average.  

However, the Nissan Maxima is one of the cheapest cars to insure overall, especially if you only pay for bodily injury liability and property damage liability insurance instead of full coverage.

What does liability insurance cost for a Nissan Maxima?

Another determining factor that will impact Nissan Maxima insurance costs is how much coverage you wish to receive for both bodily injury liability and property damage liability.

The following general quotes will show a breakdown of how much bodily injury liability costs for the Nissan Maxima from low to high coverage.

• Low ($25,000): $85.50
• Medium ($50,000): $119.62
• High ($100,000): $132.52

In case you are unfamiliar, bodily injury liability will pay for things like medical expenses for the other party while property damage liability will pay for costs associated with repairing their vehicle.

Take a look at the following property damage liability quotes for the Nissan Maxima. You might be surprised to learn that they don’t vary that much based on the level of coverage you get.

• Low ($25,000): $191.04
• Medium ($50,000): $177.56
• High ($100,000): $175.97

Now that we know how much liability insurance costs for the Nissan Maxima, you might be wondering about other determining factors that influence Nissan Maxima car insurance rates.

What are the safety features and ratings of the Nissan Maxima?

The safety features and ratings of the Nissan Maxima are very important because insurance providers take a look at this information to determine how much your policy will be.

Safety features are there to protect the driver and passengers, leading to fewer claims. In short, a model with a lot of safety features is often a good sign that insurance won’t be that expensive.  

So what does this look like for the Nissan Maxima? Take a look at the following list of Nissan Maxima safety features with information sourced from AutoBlog.com.

• Anti-Lock Brakes
• Stability Control
• Front-Impact Airbags
• Side-Impact Airbags
• Overhead Airbags
• Knee Airbags
• Pretensioners
• Anti-Theft Security

As you can see, there are plenty of features you can add to your Nissan Maxima to help keep you, your passengers, and other vehicles on the road safe.  

Fortunately, the Nissan Maxima safety ratings are also very strong. The Insurance Institute for Highway Safety (IIHS) awarded the 2020 Nissan Maxima with the top safety pick plus award when equipped with specific headlights. 

See the details of the 2020 Nissan Maxima safety ratings below. 

• Small overlap front (driver-side): Good
• Small overlap front (passenger-side): Good
• Moderate overlap front: Good
• Side: Good
• Roof strength: Good
• Head restraints & seats: Good

Like safety ratings, crash tests are also considered by insurance providers when calculating insurance costs. 

In the table below, check out the Nissan Maxima crash test ratings as performed by the National Highway Traffic Safety Administration (NHTSA).

Nissan Maxima Crash Test Ratings

A 5-star rating is the highest possible score given by the NHTSA. Overall, this car received very high marks. Your car insurance rates will be positively impacted by the Nissan Maxima’s safety ratings and crash test results. 

Even though the Nissan Maxima is equipped with the preceding safety features, it is still a car and driving can be dangerous. Sometimes drivers can take all of the necessary precautions you possibly could and still end up in an unfavorable situation.

For example, data from the IIHS suggests that out of 9,736,590 registered midsize cars, a total of 396 road fatalities have been reported. For some additional context, that is a fatality rate of 41 per one million registered people who drive a vehicle similar to the Nissan Maxima.

Another thing you should concern yourself with is the impact point of certain crashes. This is because some impact point crashes can be deadlier than others. 

The following statistics show how many fatalities ensued based on the origin point of the crash.

• Frontal Impact: 7,433 deaths  
• Side Impact: 3,568 deaths 
• Rear Impact: 834 deaths
• Other (mostly rollovers): 1,303 deaths

These statistics are not meant to scare you but inform you with real information so you can figure out if you want more protection with a comprehensive car insurance policy.

What is the MSRP of the Nissan Maxima?

The value of the car you drive goes hand-in-hand with car insurance rates. For example, certain car colors like red can end up with a higher sticker price which begs the question, “What color car is the most expensive to insure?”

Kelley Blue Book (KBB) has determined that the Manufacturer’s Suggested Retail Price (MSRP) of a base-level 2020 Nissan Maxima is $35,175 with a fair market value range between $31,572 and $34,155. 

In order to protect the value of your Nissan Maxima, you will need to get car insurance coverage that extends beyond liability insurance. In other words, you need to get full coverage which is often made up by collision and comprehensive.

• Collision car insurance is a type of coverage that will pay for any costs associated with repairing or even replacing your vehicle if it gets damaged after colliding with another car or object.
• Comprehensive car insurance protects you from any damage sustained that is outside of your control, such as a tree branch falling on top of your car.

Remember that it’s ultimately your decision as to whether or not you want to get full coverage Nissan Maxima car insurance or stick to the minimum requirements determined by your state of residence.

You can also see some of the Nissan Maxima insurance loss probability details in the table below.

Nissan Maxima Insurance Loss Probability

The lower the percentage, the better the insurance loss ratio. Unfortunately, the Nissan Maxima has substantially worse than average insurance loss ratios in most categories. However, your liability loss ratios are all average. 

These numbers could mean higher car insurance rates if you opt for comprehensive or collision coverage. 

Expect personal injury protection (PIP) and medical payments coverage (MedPay) to also cost more with a Nissan Maxima than other vehicles in the same car class. 

How much will it cost to repair my Nissan Maxima?

Lastly, every car costs a certain amount to repair. Since each model is built with a unique structure, service technicians need to approach each one differently.

In the case of the Nissan Maxima, the annual cost of repairs amounts to $540 per year, which includes routine maintenance like oil changes in addition to bigger repair jobs.

Since some vehicle parts are more expensive to repair than others, take a look at the following repair estimates for the Nissan Maxima with quotes that come courtesy of Instant Estimator:

• Front Bumper: $425.00
• Rear Bumper: $459.80
• Hood: $414.20
• Roof: $463.80
• Front Door: $401.60
• Back Door: $390.20
• Fender: $364.60
• Quarter Panel: $377.00

We have uncovered a lot of information and can pinpoint certain data depending upon the model year of your Nissan Maxima. For example, we’ve compared the cost of insurance for a 2011 Nissan Maxima to the 2009 Nissan Maxima insurance rates and even the 2018 Nissan Maxima insurance costs. Is there anything we might have missed?

If not, then you’re ready to secure your best car insurance policy. Before you buy Nissan Maxima car insurance, make sure to compare rates from multiple insurers to find the Nissan Maxima car insurance company for your needs.

To start your search for affordable Nissan Maxima car insurance, enter your ZIP code into our free online tool to start comparing Nissan Maxima quotes today.
References:

1. https://www.iihs.org/ratings/insurance-losses-by-make-and-model
2. https://www.iihs.org/ratings/vehicle/nissan/maxima-4-door-sedan/2020
3. https://www.nhtsa.gov/vehicle/2020/NISSAN/MAXIMA/4%252520DR/FWD