Nissan Murano Insurance Cost

Full coverage for a Nissan Murano costs about $1,465 a year ($122/month) by our estimate — ▼ −8% versus the average vehicle, ranking 72nd cheapest of 310 current models.

Nissan Murano exterior (photo from Wikimedia Commons) — Photo: Kevauto, CC BY-SA 4.0

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

Nissan Murano insurance cost at a glance

Full coverage

$1,465

$122/mo · $1,200–$1,725

Minimum liability

$565

$47/mo

Segment

Midsize SUV

Gasoline, Hybrid

HLDI collision losses

Better than average (100 = avg)

NHTSA overall

★★★★★

2027 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2005–2027 model years of the Nissan Murano.

Estimated Nissan Murano premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$565	$47	$465–$670
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$820	$69	$675–$970
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,465	$122	$1,200–$1,725

What drives the cost of insuring a Nissan Murano

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Nissan Murano's results put our vehicle factor at 0.92× for liability, 0.92× for collision and 0.91× for comprehensive.

HLDI relative insurance losses — Nissan Murano 4dr (Midsize SUVs)
Coverage	Index	Rating	What it measures
Collision	90	Better than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	90	Better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	84	Better than average	Damage this car does to other vehicles and property
Bodily injury liability	101	Average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	106	Worse than average	Injuries to occupants of this car (claim frequency)
Medical payments	112	Worse than average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (2)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Nissan Murano 4dr	90	90	84	101
Nissan Murano 4dr 4WD	96	91	99	106

Repair and parts costs: Midsize SUV — mainstream parts availability keeps repairs moderate.
Safety: 5-star NHTSA overall rating (frontal 4★, side 5★, rollover 4★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 2 NHTSA recall campaigns and 22 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Nissan Murano trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Murano AWD	AWD	2.0L 4-cyl Turbo	23

Nissan Murano insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2027	2.0L 4-cyl Turbo	AWD	23	$1,465
2026	2.0L 4-cyl Turbo	AWD	23	$1,435
2025	2.0L 4-cyl Turbo	AWD, FWD	23	$1,405
2024	3.5L 6-cyl	AWD, FWD	22–23	$1,375
2023	3.5L 6-cyl	AWD, FWD	22–23	$1,345
2022	3.5L 6-cyl	AWD, FWD	22–23	$1,320
2021	3.5L 6-cyl	AWD, FWD	22–23	$1,290
2020	3.5L 6-cyl	AWD, FWD	23	$1,260
2019	3.5L 6-cyl	AWD, FWD	23	$1,230
2018	3.5L 6-cyl	AWD, FWD	24	$1,205
2017	3.5L 6-cyl	AWD, FWD	24	$1,175
2016	2.5L 4-cyl Supercharged Hybrid, 3.5L 6-cyl	AWD, FWD	24–29	$1,145
2015	3.5L 6-cyl	AWD, FWD	24	$1,140
2014	3.5L 6-cyl	AWD, FWD	19–20	$1,140
2013	3.5L 6-cyl	AWD, FWD	19–20	$1,140
2012	3.5L 6-cyl	AWD, FWD	19–20	$1,140
2011	3.5L 6-cyl	AWD, FWD	19–20	$1,140
2010	3.5L 6-cyl	AWD, FWD	20	$1,140
2009	3.5L 6-cyl	4WD/AWD, FWD	20	$1,140
2007	3.5L 6-cyl	4WD/AWD, FWD	19–20	$1,140

Nissan Murano insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Murano page for that state.

State	Full coverage	Minimum	vs. national	Murano page
Alabama	$1,275	$445	−13%	Murano in AL
Alaska	$1,280	$575	−13%	Murano in AK
Arizona	$1,535	$610	+5%	Murano in AZ
Arkansas	$1,290	$415	−12%	Murano in AR
California	$1,430	$530	−2%	Murano in CA
Colorado	$1,670	$600	+14%	Murano in CO
Connecticut	$1,550	$655	+6%	Murano in CT
Delaware	$1,630	$740	+11%	Murano in DE
District of Columbia	$1,840	$685	+26%	Murano in DC
Florida	$2,085	$995	+42%	Murano in FL
Georgia	$1,805	$805	+23%	Murano in GA
Hawaii	$1,005	$400	−31%	Murano in HI
Idaho	$995	$370	−32%	Murano in ID
Illinois	$1,270	$460	−13%	Murano in IL
Indiana	$1,040	$375	−29%	Murano in IN
Iowa	$1,000	$285	−32%	Murano in IA
Kansas	$1,175	$370	−20%	Murano in KS
Kentucky	$1,230	$485	−16%	Murano in KY
Louisiana	$2,025	$730	+38%	Murano in LA
Maine	$930	$390	−37%	Murano in ME
Maryland	$1,640	$695	+12%	Murano in MD
Massachusetts	$1,435	$545	−2%	Murano in MA
Michigan	$1,590	$705	+9%	Murano in MI
Minnesota	$1,225	$435	−16%	Murano in MN
Mississippi	$1,400	$490	−4%	Murano in MS
Missouri	$1,330	$475	−9%	Murano in MO
Montana	$1,175	$365	−20%	Murano in MT
Nebraska	$1,180	$370	−19%	Murano in NE
Nevada	$1,670	$800	+14%	Murano in NV
New Hampshire	$1,040	$370	−29%	Murano in NH
New Jersey	$1,755	$865	+20%	Murano in NJ
New Mexico	$1,315	$480	−10%	Murano in NM
New York	$1,955	$860	+33%	Murano in NY
North Carolina	$1,090	$415	−26%	Murano in NC
North Dakota	$945	$255	−35%	Murano in ND
Ohio	$1,045	$375	−29%	Murano in OH
Oklahoma	$1,325	$435	−10%	Murano in OK
Oregon	$1,310	$580	−11%	Murano in OR
Pennsylvania	$1,275	$395	−13%	Murano in PA
Rhode Island	$1,760	$760	+20%	Murano in RI
South Carolina	$1,565	$675	+7%	Murano in SC
South Dakota	$1,130	$290	−23%	Murano in SD
Tennessee	$1,215	$415	−17%	Murano in TN
Texas	$1,740	$640	+19%	Murano in TX
Utah	$1,325	$605	−10%	Murano in UT
Vermont	$950	$295	−35%	Murano in VT
Virginia	$1,255	$580	−14%	Murano in VA
Washington	$1,270	$545	−13%	Murano in WA
West Virginia	$1,225	$405	−16%	Murano in WV
Wisconsin	$1,005	$345	−31%	Murano in WI
Wyoming	$1,155	$300	−21%	Murano in WY

Nissan Murano insurance by driver profile

Estimated annual Nissan Murano premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,560	$2,260	$4,020	$335
Young adult (22)	$905	$1,315	$2,340	$195
Adult in their 30s	$565	$820	$1,465	$122
Adult in their 50s	$520	$755	$1,345	$112
Senior (72)	$635	$920	$1,640	$137
30s, one at-fault accident	$820	$1,190	$2,120	$177
30s, DUI on record	$1,050	$1,520	$2,705	$225

Nissan Murano vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Nissan Murano	$1,465	90	90	—
Tesla Model Y	$1,505	118	77	Compare
Ford Explorer	$1,400	85	81	Compare
Jeep Grand Cherokee	$1,565	81	105	Compare

Estimate Nissan Murano insurance for your ZIP code

Runs in your browser — nothing you enter is stored or sent to insurers.

State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

—

Per month

—

Other Nissan models

Frontier $1,480/yr
Kicks $1,600/yr
Sentra $2,045/yr
Z $1,670/yr
Altima $1,995/yr
Ariya $1,500/yr
Armada $1,420/yr
Leaf $1,465/yr
Pathfinder $1,455/yr
Rogue $1,430/yr
Versa $1,825/yr
GT-R $1,775/yr
Titan $1,420/yr
Maxima $1,445/yr
Rogue Sport $1,315/yr
370Z $1,655/yr
NV200 $1,370/yr
Juke $1,195/yr
Quest $1,165/yr
Xterra $1,165/yr
Cube $1,190/yr
350Z $1,445/yr

All Nissan insurance costs →

Frequently asked questions

How much is insurance for a Nissan Murano?

We estimate about $1,465 a year ($122 a month) for full coverage and $565 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 8% less than the average vehicle.

Is the Nissan Murano expensive to insure?

HLDI insurance-loss data rates it at 90 for collision and 90 for comprehensive losses (100 = average of all vehicles), meaning collision losses are better than average.

Which state is cheapest to insure a Nissan Murano?

Maine has the lowest estimate (about $930 a year for full coverage) and Florida the highest (about $2,085).

What is the Nissan Murano's NHTSA safety rating?

The 2027 Nissan Murano earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

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

By our estimate the Nissan Murano costs about $1,465 a year versus $1,505 for the Tesla Model Y, making it the cheaper of the two to insure.

How much is Nissan Murano insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,020 a year at national-average rates by our estimate.

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