Estimates, not quotes

Tesla Model Y vs Nissan Murano Insurance Cost

The Nissan Murano is cheaper to insure by about $40 a year for full coverage by our estimate ($1,505 vs. $1,465), 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

CoverageTesla Model YNissan MuranoDifference
State minimum$530$565−$35
Standard (100/300/100)$770$820−$50
Full coverage$1,505$1,465+$40

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

Why one costs more to insure

FactorTesla Model YNissan Murano
SegmentMidsize SUVMidsize SUV
PowertrainsElectricGasoline, Hybrid
HLDI collision (100 = avg)11890
HLDI comprehensive7790
HLDI property damage liability8284
HLDI bodily injury liability83101
NHTSA overall rating5★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)102

Collision losses are the biggest swing factor: the Tesla Model Y has 28 points higher relative collision losses, meaning its crash repairs cost insurers more on average. Comprehensive losses (theft, weather, glass) also favor the Tesla Model Y.

Model Y vs Murano insurance by state

StateModel YMuranoDifference
Alabama$1,325$1,275+$50
Alaska$1,335$1,280+$55
Arizona$1,560$1,535+$25
Arkansas$1,345$1,290+$55
California$1,520$1,430+$90
Colorado$1,675$1,670+$5
Connecticut$1,590$1,550+$40
Delaware$1,645$1,630+$15
District of Columbia$1,920$1,840+$80
Florida$2,085$2,085—
Georgia$1,830$1,805+$25
Hawaii$1,065$1,005+$60
Idaho$1,025$995+$30
Illinois$1,315$1,270+$45
Indiana$1,075$1,040+$35
Iowa$1,020$1,000+$20
Kansas$1,195$1,175+$20
Kentucky$1,255$1,230+$25
Louisiana$2,060$2,025+$35
Maine$970$930+$40
Maryland$1,685$1,640+$45
Massachusetts$1,495$1,435+$60
Michigan$1,655$1,590+$65
Minnesota$1,245$1,225+$20
Mississippi$1,435$1,400+$35
Missouri$1,355$1,330+$25
Montana$1,190$1,175+$15
Nebraska$1,200$1,180+$20
Nevada$1,690$1,670+$20
New Hampshire$1,090$1,040+$50
New Jersey$1,790$1,755+$35
New Mexico$1,350$1,315+$35
New York$1,990$1,955+$35
North Carolina$1,150$1,090+$60
North Dakota$970$945+$25
Ohio$1,085$1,045+$40
Oklahoma$1,355$1,325+$30
Oregon$1,330$1,310+$20
Pennsylvania$1,330$1,275+$55
Rhode Island$1,810$1,760+$50
South Carolina$1,570$1,565+$5
South Dakota$1,135$1,130+$5
Tennessee$1,265$1,215+$50
Texas$1,775$1,740+$35
Utah$1,350$1,325+$25
Vermont$1,005$950+$55
Virginia$1,295$1,255+$40
Washington$1,300$1,270+$30
West Virginia$1,260$1,225+$35
Wisconsin$1,025$1,005+$20
Wyoming$1,165$1,155+$10

By driver profile (full coverage)

DriverModel YMurano
Teen driver (18, own policy)$4,135$4,020
Young adult (22)$2,405$2,340
Adult in their 30s$1,505$1,465
Adult in their 50s$1,385$1,345
Senior (72)$1,685$1,640
30s, one at-fault accident$2,180$2,120
30s, DUI on record$2,780$2,705

More comparisons

Frequently asked questions

Is the Tesla Model Y or the Nissan Murano cheaper to insure?

By our estimate the Nissan Murano is cheaper, by about $40 a year for full coverage ($1,505 vs. $1,465) for a driver in their 30s with a clean record.

Why does insurance cost differ between the Tesla Model Y and Nissan Murano?

Mostly because of insurance-loss history: HLDI collision indices of 118 vs. 90 and comprehensive indices of 77 vs. 90 (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