The annual cost of full coverage insurance for a Nissan Pathfinder ranges from $1,032 to $6,022. Rates vary significantly based on the model year, your age, where you live, your driving history, coverage level and insurance provider. MoneyGeek breaks down Nissan Pathfinder insurance costs and coverage, offering insights into the best companies and most affordable insurers.
Nissan Pathfinder Insurance Cost
Updated: March 25, 2025
Key Takeaways
State Farm offers the cheapest minimum coverage across all Nissan Pathfinder model years, with an average cost of $479.
For a Nissan Pathfinder, the average annual insurance cost is $636 for minimum coverage and $1,380 for full coverage.
MoneyGeek analyzed 4,183 quotes from Quadrant Information Services to provide these insights on Nissan Pathfinder insurance costs.
Nissan Pathfinder Insurance Rates
What Is the Average Nissan Pathfinder Car Insurance Cost?
The average full coverage insurance for a Nissan Pathfinder costs $115 per month or $1,380 annually, based on a 40-year-old male driver with a clean record. Minimum coverage costs around $53 monthly or $636 per year.
| Minimum Coverage | $636 |
| Full Coverage | $1,380 |
Nissan Pathfinder Insurance Costs by Company
Nissan Pathfinder insurance costs range from $1,063 to $1,908 per year, varying by age, model year and coverage level. The table below compares these average rates with the averages for all vehicles from several national and mid-size providers.
| Allstate | $1,682 | $1,811 | -7% |
| Auto-Owners | $1,142 | $1,227 | -7% |
| Farmers | $1,687 | $1,957 | -14% |
| GEICO | $1,216 | $1,333 | -9% |
| Kemper | $1,908 | $2,213 | -14% |
| Nationwide | $1,465 | $1,588 | -8% |
| Progressive | $1,547 | $1,744 | -11% |
| State Farm | $1,208 | $1,269 | -5% |
| Travelers | $1,403 | $1,522 | -8% |
| USAA | $1,063 | $1,200 | -11% |
Read more: Best Car Insurance Companies
Cost of Insuring a Nissan Pathfinder by Model Year
Your Nissan Pathfinder's production year impacts insurance rates, with older models typically costing less. For example, a 2022 model averages $1,601 annually for full coverage, compared to $1,212 for a 2009 model. Below are average full and minimum coverage rates by model year.
| 2022 | $642 | $1,601 |
| 2021 | $642 | $1,503 |
| 2020 | $622 | $1,489 |
| 2019 | $652 | $1,482 |
| 2018 | $655 | $1,468 |
| 2017 | $636 | $1,448 |
| 2016 | $667 | $1,428 |
| 2015 | $671 | $1,408 |
| 2014 | $640 | $1,363 |
| 2013 | $658 | $1,317 |
| 2012 | $651 | $1,271 |
| 2011 | $628 | $1,252 |
| 2010 | $653 | $1,232 |
| 2009 | $652 | $1,212 |
Nissan Pathfinder Insurance Costs by Driver Age
Nissan Pathfinder insurance rates vary widely depending on the driver's age. For example, the average annual full coverage rate for 40-year-olds is $1,391, while 16-year-olds pay around $6,022. Below are the average minimum and full coverage rates for different ages.
| 16 | $2,976 | $6,022 |
| 17 | $2,417 | $4,907 |
| 18 | $2,109 | $4,313 |
| 19 | $1,491 | $3,076 |
| 20 | $1,339 | $2,794 |
| 21 | $1,061 | $2,255 |
| 22 | $967 | $2,073 |
| 23 | $898 | $1,935 |
| 24 | $851 | $1,841 |
| 25 | $757 | $1,647 |
| 26 | $736 | $1,595 |
| 27 | $719 | $1,560 |
| 28 | $707 | $1,536 |
| 29 | $697 | $1,515 |
| 30 | $673 | $1,461 |
| 35 | $655 | $1,417 |
| 40 | $648 | $1,391 |
| 45 | $642 | $1,373 |
| 50 | $627 | $1,332 |
| 55 | $610 | $1,296 |
| 60 | $610 | $1,291 |
| 65 | $650 | $1,347 |
| 70 | $707 | $1,441 |
| 75 | $784 | $1,580 |
| 80 | $888 | $1,759 |
| 85 | $959 | $1,889 |
| 90 | $1,012 | $1,978 |
Nissan Pathfinder Insurance Rates Explained
Several factors influence car insurance rates based on driver profiles. However, insurers also consider vehicle-specific factors. Below is a breakdown of cost factors related to your vehicle, including make, model, age and safety features.
Nissan Pathfinder Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Nissan Pathfinder
Average Full Coverage Rate
$1,380Premiums for Nissan Pathfinder are:$84 more
This is 6% more expensive.
Value
The Nissan Pathfinder’s $51,010 MSRP classifies it as an SUV. Higher MSRPs typically result in increased insurance premiums.
Repair costs
With an annual repair cost of $542 — below the national average — the Nissan Pathfinder may have lower insurance premiums due to its affordable and straightforward repair.
Performance
The Nissan Pathfinder's 0-to-60 time of 6.7 seconds and horsepower of 284 to 295 reflect moderate performance, which typically results in average insurance costs.
Vehicle age
Newer Nissan Pathfinders are typically more expensive to insure than older models. However, collector and classic vehicles can be exceptions.
Safety features
Safety features, such as stability control, airbags and antilock brakes, can lower insurance costs. The Nissan Pathfinder's 5-star NHTSA safety rating enhances its discount eligibility.
Vehicle size
Larger vehicles like the Nissan Pathfinder, with a curb weight of 4,625 lbs, may cost more to insure due to potential property damage.
Trim level
Higher trim levels with premium upgrades increase MSRPs and insurance costs. The Nissan Pathfinder's higher trims are more expensive to insure than the base model.
Cheapest Nissan Pathfinder Insurance
State Farm offers the most affordable annual minimum coverage rate for a Nissan Pathfinder at $479, based on a 40-year-old male with a clean driving record. Below is a breakdown of the cheapest car insurance rates for various coverage levels, age groups, driving records, model years and more.
Cheapest Nissan Pathfinder Insurance by Coverage Level
The coverage level you choose greatly impacts your Nissan Pathfinder insurance rate. State Farm provides the most affordable average minimum and full coverage rates. Below is a breakdown of the cheapest providers for each type.
Cheapest Nissan Pathfinder Minimum Coverage
State Farm offers the cheapest minimum coverage for a Nissan Pathfinder at $40 per month. GEICO, Travelers and Allstate also provide competitive rates, ranging from $45 to $58.
| USAA | $36 | $436 |
| State Farm | $40 | $479 |
| GEICO | $45 | $543 |
| Travelers | $53 | $633 |
| Allstate | $58 | $690 |
| Nationwide | $59 | $712 |
| Progressive | $60 | $718 |
| Farmers | $64 | $767 |
*State Farm offers non-military-affiliated Nissan Pathfinder owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Nissan Pathfinder Insurance Rates by Model Year
Because the above list doesn't account for the model year, you might find lower rates based on your vehicle's age. Use the table below to filter for the cheapest minimum coverage premiums for every Nissan Pathfinder production year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $700 | $58 |
| Farmers | $764 | $64 |
| GEICO | $572 | $48 |
| Nationwide | $749 | $62 |
| Progressive | $739 | $62 |
| State Farm | $451 | $38 |
| Travelers | $675 | $56 |
| USAA | $435 | $36 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Nissan Pathfinder Insurance
State Farm offers the most affordable full coverage insurance for a Nissan Pathfinder at $1,168 annually or $97 monthly. Below is the complete list of full coverage providers and rates.
| USAA | $86 | $1,032 |
| State Farm | $97 | $1,168 |
| GEICO | $99 | $1,188 |
| Nationwide | $115 | $1,385 |
| Travelers | $116 | $1,389 |
| Progressive | $124 | $1,491 |
| Farmers | $133 | $1,592 |
| Allstate | $134 | $1,607 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Nissan Pathfinder owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Nissan Pathfinder Insurance by Age
Drivers aged 16 to 25 and those 55 and older often face higher insurance rates for a Nissan Pathfinder. Finding affordable coverage is crucial for these groups. Below is a breakdown of the cheapest options by age.
Cheapest Nissan Pathfinder Insurance for Young Drivers
Nissan Pathfinder drivers aged 16 to 25 can find the cheapest insurance with State Farm at $87 monthly or $1,040 annually for minimum coverage. Below is a complete list of affordable car insurance options for young drivers.
| USAA | $75 | $906 |
| State Farm | $87 | $1,040 |
| GEICO | $110 | $1,314 |
| Travelers | $110 | $1,322 |
| Allstate | $134 | $1,607 |
| Nationwide | $157 | $1,889 |
| Progressive | $167 | $2,000 |
| Farmers | $173 | $2,071 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Nissan Pathfinder Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up at $44 monthly or $526 annually. Below is the full list of affordable Nissan Pathfinder insurers.
| State Farm | $44 | $526 |
| USAA | $48 | $580 |
| GEICO | $54 | $652 |
| Travelers | $63 | $760 |
| Nationwide | $70 | $835 |
| Allstate | $70 | $845 |
| Progressive | $76 | $918 |
| Farmers | $85 | $1,025 |
Cheapest Nissan Pathfinder Insurance After an Accident
For a Nissan Pathfinder, State Farm, GEICO and Travelers offer the most affordable minimum coverage after an accident. See the complete list below.
| State Farm | $50 | $599 |
| USAA | $55 | $665 |
| GEICO | $72 | $860 |
| Travelers | $76 | $914 |
| Allstate | $79 | $944 |
| Nationwide | $92 | $1,107 |
| Progressive | $99 | $1,182 |
| Farmers | $126 | $1,508 |
Nissan Pathfinder Insurance Cost: Bottom Line
Regularly compare car insurance rates to find the best deals. This article covers Nissan Pathfinder insurance costs by demographics and the most affordable providers.
Nissan Pathfinder Insurance Rates: FAQ
Below are some frequently asked questions about the costs of insuring a Nissan Pathfinder.
What company has the cheapest car insurance for a Nissan Pathfinder?
State Farm offers the most affordable insurance for a Nissan Pathfinder, with an annual minimum coverage rate of $479.
What is the average cost of car insurance for a Nissan Pathfinder?
The annual cost of minimum coverage insurance for a Nissan Pathfinder is $636. Full coverage averages $1,380.
Nissan Pathfinder Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Nissan Pathfinder 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 Pathfinder:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Nissan Pathfinder 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 Pathfinder.
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.