Estimates, not quotes

Ford Explorer vs Nissan Pathfinder Insurance Cost

The Ford Explorer is cheaper to insure by about $55 a year for full coverage by our estimate ($1,400 vs. $1,455), and cheaper in 51 of 51 states.

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Side-by-side insurance estimate

CoverageFord ExplorerNissan PathfinderDifference
State minimum$550$595−$45
Standard (100/300/100)$800$865−$65
Full coverage$1,400$1,455−$55

National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Explorer minus Pathfinder.

Why one costs more to insure

FactorFord ExplorerNissan Pathfinder
SegmentMidsize SUVMidsize SUV
PowertrainsGasoline, Hybrid, Flex-fuelGasoline, Hybrid
HLDI collision (100 = avg)8587
HLDI comprehensive8185
HLDI property damage liability8492
HLDI bodily injury liability92109
NHTSA overall rating5★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)293

Collision losses are the biggest swing factor: the Nissan Pathfinder has 2 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Explorer vs Pathfinder insurance by state

StateExplorerPathfinderDifference
Alabama$1,220$1,260−$40
Alaska$1,225$1,270−$45
Arizona$1,470$1,530−$60
Arkansas$1,235$1,270−$35
California$1,370$1,415−$45
Colorado$1,590$1,650−$60
Connecticut$1,490$1,555−$65
Delaware$1,565$1,640−$75
District of Columbia$1,765$1,825−$60
Florida$2,005$2,110−$105
Georgia$1,735$1,820−$85
Hawaii$965$995−$30
Idaho$950$985−$35
Illinois$1,215$1,255−$40
Indiana$995$1,030−$35
Iowa$950$975−$25
Kansas$1,120$1,155−$35
Kentucky$1,180$1,225−$45
Louisiana$1,940$2,020−$80
Maine$890$920−$30
Maryland$1,570$1,635−$65
Massachusetts$1,375$1,425−$50
Michigan$1,525$1,580−$55
Minnesota$1,170$1,210−$40
Mississippi$1,340$1,385−$45
Missouri$1,270$1,315−$45
Montana$1,115$1,150−$35
Nebraska$1,120$1,155−$35
Nevada$1,610$1,695−$85
New Hampshire$995$1,030−$35
New Jersey$1,690$1,770−$80
New Mexico$1,255$1,300−$45
New York$1,880$1,965−$85
North Carolina$1,045$1,070−$25
North Dakota$895$915−$20
Ohio$1,000$1,035−$35
Oklahoma$1,260$1,300−$40
Oregon$1,260$1,315−$55
Pennsylvania$1,220$1,260−$40
Rhode Island$1,690$1,765−$75
South Carolina$1,500$1,570−$70
South Dakota$1,070$1,095−$25
Tennessee$1,160$1,200−$40
Texas$1,660$1,715−$55
Utah$1,270$1,330−$60
Vermont$910$935−$25
Virginia$1,205$1,250−$45
Washington$1,220$1,275−$55
West Virginia$1,170$1,205−$35
Wisconsin$955$990−$35
Wyoming$1,095$1,120−$25

By driver profile (full coverage)

DriverExplorerPathfinder
Teen driver (18, own policy)$3,850$4,005
Young adult (22)$2,240$2,330
Adult in their 30s$1,400$1,455
Adult in their 50s$1,290$1,340
Senior (72)$1,570$1,630
30s, one at-fault accident$2,030$2,110
30s, DUI on record$2,590$2,695

More comparisons

Frequently asked questions

Is the Ford Explorer or the Nissan Pathfinder cheaper to insure?

By our estimate the Ford Explorer is cheaper, by about $55 a year for full coverage ($1,400 vs. $1,455) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Ford Explorer and Nissan Pathfinder?

Mostly because of insurance-loss history: HLDI collision indices of 85 vs. 87 and comprehensive indices of 81 vs. 85 (100 = average), plus repair costs, theft rates and segment.

How we estimate this

We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.

Sources used on this page