Estimates, not quotes

Tesla Model Y vs Nissan Pathfinder Insurance Cost

The Nissan Pathfinder is cheaper to insure by about $50 a year for full coverage by our estimate ($1,505 vs. $1,455), and cheaper in 49 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 PathfinderDifference
State minimum$530$595−$65
Standard (100/300/100)$770$865−$95
Full coverage$1,505$1,455+$50

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

Why one costs more to insure

FactorTesla Model YNissan Pathfinder
SegmentMidsize SUVMidsize SUV
PowertrainsElectricGasoline, Hybrid
HLDI collision (100 = avg)11887
HLDI comprehensive7785
HLDI property damage liability8292
HLDI bodily injury liability83109
NHTSA overall rating5★5★
NICB most-stolen rankNot in top 10Not in top 10
Recalls (latest 3 model years)103

Collision losses are the biggest swing factor: the Tesla Model Y has 31 points higher relative collision losses, meaning its crash repairs cost insurers more on average.

Model Y vs Pathfinder insurance by state

StateModel YPathfinderDifference
Alabama$1,325$1,260+$65
Alaska$1,335$1,270+$65
Arizona$1,560$1,530+$30
Arkansas$1,345$1,270+$75
California$1,520$1,415+$105
Colorado$1,675$1,650+$25
Connecticut$1,590$1,555+$35
Delaware$1,645$1,640+$5
District of Columbia$1,920$1,825+$95
Florida$2,085$2,110−$25
Georgia$1,830$1,820+$10
Hawaii$1,065$995+$70
Idaho$1,025$985+$40
Illinois$1,315$1,255+$60
Indiana$1,075$1,030+$45
Iowa$1,020$975+$45
Kansas$1,195$1,155+$40
Kentucky$1,255$1,225+$30
Louisiana$2,060$2,020+$40
Maine$970$920+$50
Maryland$1,685$1,635+$50
Massachusetts$1,495$1,425+$70
Michigan$1,655$1,580+$75
Minnesota$1,245$1,210+$35
Mississippi$1,435$1,385+$50
Missouri$1,355$1,315+$40
Montana$1,190$1,150+$40
Nebraska$1,200$1,155+$45
Nevada$1,690$1,695−$5
New Hampshire$1,090$1,030+$60
New Jersey$1,790$1,770+$20
New Mexico$1,350$1,300+$50
New York$1,990$1,965+$25
North Carolina$1,150$1,070+$80
North Dakota$970$915+$55
Ohio$1,085$1,035+$50
Oklahoma$1,355$1,300+$55
Oregon$1,330$1,315+$15
Pennsylvania$1,330$1,260+$70
Rhode Island$1,810$1,765+$45
South Carolina$1,570$1,570—
South Dakota$1,135$1,095+$40
Tennessee$1,265$1,200+$65
Texas$1,775$1,715+$60
Utah$1,350$1,330+$20
Vermont$1,005$935+$70
Virginia$1,295$1,250+$45
Washington$1,300$1,275+$25
West Virginia$1,260$1,205+$55
Wisconsin$1,025$990+$35
Wyoming$1,165$1,120+$45

By driver profile (full coverage)

DriverModel YPathfinder
Teen driver (18, own policy)$4,135$4,005
Young adult (22)$2,405$2,330
Adult in their 30s$1,505$1,455
Adult in their 50s$1,385$1,340
Senior (72)$1,685$1,630
30s, one at-fault accident$2,180$2,110
30s, DUI on record$2,780$2,695

More comparisons

Frequently asked questions

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

By our estimate the Nissan Pathfinder is cheaper, by about $50 a year for full coverage ($1,505 vs. $1,455) for a driver in their 30s with a clean record.

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

Mostly because of insurance-loss history: HLDI collision indices of 118 vs. 87 and comprehensive indices of 77 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