Annual full coverage costs for a Nissan Maxima range from $1,141 to $7,043. Rates vary based on the car's model year, your age, where you live, your driving record, coverage level and insurer. This article breaks down Nissan Maxima insurance costs and coverage, offering insights into the best companies and most affordable options.
Nissan Maxima Insurance Cost
Updated: March 25, 2025
Key Takeaways
State Farm provides the cheapest annual minimum coverage rates across all Nissan Maxima model years, averaging $494.
For a Nissan Maxima, the average annual cost is $619 for minimum coverage and $1,593 for full coverage.
MoneyGeek analyzed data and 4,183 Nissan Maxima insurance quotes from Quadrant Information Services to provide these insights.
Nissan Maxima Insurance Rates
What Is the Average Nissan Maxima Car Insurance Cost?
The average cost of full coverage Nissan Maxima insurance is $133 per month or $1,593 per year, based on a 40-year-old male driver with a clean record. For minimum coverage, expect to pay around $52 monthly or $619 annually.
| Minimum Coverage | $619 |
| Full Coverage | $1,593 |
Nissan Maxima Insurance Costs by Company
Nissan Maxima insurance costs range from $1,191 to $2,151 annually, depending on age, model year and coverage level. The table below shows how these rates compare to averages for all vehicles from various national and midsize providers.
| Allstate | $1,864 | $1,809 | 3% |
| Auto-Owners | $1,304 | $1,225 | 6% |
| Farmers | $1,993 | $1,953 | 2% |
| GEICO | $1,432 | $1,330 | 8% |
| Kemper | $2,151 | $2,211 | -3% |
| Nationwide | $1,770 | $1,585 | 12% |
| Progressive | $2,053 | $1,738 | 18% |
| State Farm | $1,335 | $1,267 | 5% |
| Travelers | $1,705 | $1,518 | 12% |
| USAA | $1,191 | $1,199 | -1% |
Read more: Best Car Insurance Companies
Cost of Insuring a Nissan Maxima by Model Year
Your Nissan Maxima's production year affects insurance costs, with older models usually being cheaper. For instance, insuring a 2022 Maxima costs $1,853 annually for full coverage, while a 2009 model costs $1,336. Below are the average full and minimum coverage rates by year.
| 2022 | $628 | $1,853 |
| 2021 | $629 | $1,830 |
| 2020 | $606 | $1,795 |
| 2019 | $635 | $1,768 |
| 2018 | $636 | $1,733 |
| 2017 | $639 | $1,676 |
| 2016 | $640 | $1,619 |
| 2015 | $616 | $1,581 |
| 2014 | $617 | $1,541 |
| 2013 | $647 | $1,503 |
| 2012 | $646 | $1,464 |
| 2011 | $618 | $1,422 |
| 2010 | $642 | $1,379 |
| 2009 | $637 | $1,336 |
Nissan Maxima Insurance Costs by Driver Age
Nissan Maxima insurance rates vary widely depending on the driver's age. For example, 40-year-olds pay around $1,607 annually for full coverage, while 16-year-olds pay $7,043. Below are the average minimum and full coverage rates for different ages.
| 16 | $2,888 | $7,043 |
| 17 | $2,352 | $5,754 |
| 18 | $2,051 | $5,058 |
| 19 | $1,449 | $3,592 |
| 20 | $1,301 | $3,263 |
| 21 | $1,032 | $2,627 |
| 22 | $941 | $2,415 |
| 23 | $873 | $2,252 |
| 24 | $828 | $2,141 |
| 25 | $737 | $1,917 |
| 26 | $716 | $1,843 |
| 27 | $699 | $1,803 |
| 28 | $688 | $1,775 |
| 29 | $678 | $1,751 |
| 30 | $655 | $1,689 |
| 35 | $638 | $1,637 |
| 40 | $631 | $1,607 |
| 45 | $626 | $1,587 |
| 50 | $611 | $1,537 |
| 55 | $595 | $1,495 |
| 60 | $595 | $1,490 |
| 65 | $631 | $1,524 |
| 70 | $685 | $1,631 |
| 75 | $760 | $1,789 |
| 80 | $859 | $1,991 |
| 85 | $929 | $2,137 |
| 90 | $979 | $2,239 |
Nissan Maxima Insurance Rates Explained
Car insurance rates depend on driver profiles and vehicle-specific factors. Insurers consider details like your car's make, model, age and safety features. Below is a breakdown of how these vehicle factors influence costs.
Nissan Maxima Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Nissan Maxima
Average Full Coverage Rate
$1,593Premiums for Nissan Maxima are:$297 more
This is 23% more expensive.
Value
The Nissan Maxima’s MSRP is $45,565, categorizing it as a luxury car. Its higher value can increase insurance premiums since insurers factor in the vehicle's cost.
Repair costs
The Nissan Maxima's annual repair cost is $540, below the national average. Lower repair expenses can help reduce insurance premiums.
Performance
The Nissan Maxima's 300 horsepower and 0-to-60 time of 5.7 seconds classify it as high-performance, leading to higher insurance premiums.
Vehicle age
Newer Nissan Maximas are typically more expensive to insure than older ones. However, collector and classic cars can be exceptions.
Safety features
Safety features like stability control, airbags and antilock brakes can qualify the Nissan Maxima for insurance discounts.
Vehicle size
Larger vehicles cost more to insure due to potential property damage. The Nissan Maxima, with a curb weight of 3,716 lbs, may have higher insurance costs.
Trim level
The Nissan Maxima's higher trim levels have a higher MSRP, increasing insurance costs compared to the base model.
Theft rates
The Nissan Maxima's higher theft claims frequency can result in increased insurance rates.
Anti-theft features
The Nissan Maxima's standard security system and anti-theft features may help lower insurance premiums.
Cheapest Nissan Maxima Insurance
State Farm offers the cheapest annual minimum coverage rate for a Nissan Maxima at $494, based on a 40-year-old male driver with a clean record. Below is a breakdown of the most affordable car insurance rates across coverage levels, age groups, driving records, model years and more.
Cheapest Nissan Maxima Insurance by Coverage Level
The coverage level you select significantly impacts your Nissan Maxima insurance rate. State Farm offers the lowest average minimum and full coverage rates. Below is a breakdown of the cheapest providers for both types.
Cheapest Nissan Maxima Minimum Coverage
State Farm offers the cheapest minimum coverage for Nissan Maxima at $41 per month, followed by GEICO at $43, Travelers at $54 and Nationwide at $57.
| USAA | $34 | $403 |
| State Farm | $41 | $494 |
| GEICO | $43 | $521 |
| Travelers | $54 | $645 |
| Nationwide | $57 | $686 |
| Allstate | $57 | $688 |
| Farmers | $60 | $715 |
| Progressive | $63 | $751 |
*State Farm offers non-military-affiliated Nissan Maxima owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Nissan Maxima Insurance Rates by Model Year
Because the above list doesn’t account for model production year, you might find lower rates based on your vehicle's age. Filter the table below to find the cheapest minimum coverage rates for each Nissan Maxima production year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $694 | $58 |
| Farmers | $732 | $61 |
| GEICO | $557 | $46 |
| Nationwide | $692 | $58 |
| Progressive | $744 | $62 |
| State Farm | $468 | $39 |
| Travelers | $700 | $58 |
| USAA | $421 | $35 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Nissan Maxima Insurance
State Farm offers the cheapest full coverage for a Nissan Maxima at $107 per month or $1,285 per year. Below is the complete list of full coverage car insurance providers and rates.
| USAA | $95 | $1,141 |
| State Farm | $107 | $1,285 |
| GEICO | $114 | $1,371 |
| Nationwide | $137 | $1,642 |
| Travelers | $140 | $1,674 |
| Allstate | $147 | $1,768 |
| Farmers | $154 | $1,846 |
| Progressive | $162 | $1,940 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Nissan Maxima owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Nissan Maxima Insurance by Age
Younger drivers aged 16 to 25 and seniors 55 and up often face higher Nissan Maxima insurance rates. Finding an affordable plan is crucial for many in these age groups. Below is a breakdown of the cheapest options by age.
Cheapest Nissan Maxima Insurance for Young Drivers
For Nissan Maxima drivers aged 16 to 25, State Farm offers the cheapest insurance rates at $89 monthly or $1,073 annually for minimum coverage. Below is the complete list of affordable car insurance for young drivers.
| USAA | $69 | $831 |
| State Farm | $89 | $1,073 |
| GEICO | $104 | $1,252 |
| Travelers | $111 | $1,337 |
| Allstate | $133 | $1,601 |
| Nationwide | $151 | $1,806 |
| Farmers | $161 | $1,933 |
| Progressive | $174 | $2,094 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Nissan Maxima Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up, starting at $45 monthly or $543 annually. Below is the full list of affordable Nissan Maxima insurers.
| USAA | $45 | $535 |
| State Farm | $45 | $543 |
| GEICO | $52 | $624 |
| Travelers | $64 | $769 |
| Nationwide | $67 | $804 |
| Allstate | $70 | $843 |
| Progressive | $77 | $929 |
| Farmers | $80 | $955 |
*State Farm is the cheapest insurer for non-military-affiliated senior drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Nissan Maxima Insurance After an Accident
For Nissan Maxima drivers, State Farm, GEICO and Travelers offer the most affordable insurance after an accident. Check out the complete list below.
| USAA | $51 | $613 |
| State Farm | $51 | $617 |
| GEICO | $68 | $821 |
| Travelers | $78 | $932 |
| Allstate | $78 | $940 |
| Nationwide | $88 | $1,061 |
| Progressive | $103 | $1,239 |
| Farmers | $118 | $1,416 |
*State Farm provides the lowest rates for non-military-affiliated at-fault Nissan Maxima drivers. USAA is the most affordable option for military-affiliated drivers.
Nissan Maxima Insurance Cost: Bottom Line
Compare car insurance rates from multiple providers to find the most affordable option. This article delves into Nissan Maxima insurance costs across demographic groups and identifies the cheapest providers.
Nissan Maxima Insurance Rates: FAQ
Below are answers to common questions about Nissan Maxima insurance costs to help you understand what to expect.
What company has the cheapest car insurance for a Nissan Maxima?
State Farm offers the cheapest insurance for a Nissan Maxima, with an annual minimum coverage rate of $494.
What is the average cost of car insurance for a Nissan Maxima?
For a Nissan Maxima, the average cost of minimum coverage insurance is $619 annually, while full coverage averages $1,593.
Nissan Maxima Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Nissan Maxima insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Nissan Maxima:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Nissan Maxima insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Nissan Maxima.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis includes average full coverage policy rates with comprehensive and collision coverage (with a $1,000 deductible) and increased liability limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.