Estimates, not quotes

Nissan Pathfinder Insurance Cost

Full coverage for a Nissan Pathfinder costs about $1,455 a year ($121/month) by our estimate — ▼ −8% versus the average vehicle, ranking 69th cheapest of 310 current models.

Nissan Pathfinder exterior (photo from Wikimedia Commons)
Photo: Mr.choppers, CC BY-SA 3.0
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 Pathfinder insurance cost at a glance

Full coverage
$1,455
$121/mo · $1,195–$1,720
Minimum liability
$595
$50/mo
Segment
Midsize SUV
Gasoline, Hybrid
HLDI collision losses
87
Better than average (100 = avg)
NHTSA overall
★★★★★
2026 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 2026 model year. Our vehicle data covers the 2005–2026 model years of the Nissan Pathfinder.

Estimated Nissan Pathfinder premium by coverage level (national average rates)
Coverage levelWhat it includesPer yearPer monthTypical range
State minimum liability Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. $595 $50 $490–$705
Standard liability (100/300/100) Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. $865 $72 $710–$1,020
Full coverage Standard liability plus collision and comprehensive, typically required on a financed or leased car. $1,455 $121 $1,195–$1,720

What drives the cost of insuring a Nissan Pathfinder

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 Pathfinder's results put our vehicle factor at 0.97× for liability, 0.89× for collision and 0.87× for comprehensive.

HLDI relative insurance losses — Nissan Pathfinder 4dr (Midsize SUVs)
CoverageIndexRatingWhat it measures
Collision87Better than averageDamage to this car in crashes; driven by repair costs and crash frequency
Comprehensive85Better than averageTheft, vandalism, glass, weather and animal damage
Property damage liability92Better than averageDamage this car does to other vehicles and property
Bodily injury liability109Worse than averageInjuries to people in other vehicles (claim frequency)
Personal injury protection107Worse than averageInjuries to occupants of this car (claim frequency)
Medical payments118Worse than averageInjuries to occupants of this car (claim frequency)
HLDI results by body style / drivetrain (2)
VariantCollisionComprehensiveProp. damageBodily injury
Nissan Pathfinder 4dr878592109
Nissan Pathfinder 4dr 4WD90959899
  • 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: 3 NHTSA recall campaigns and 142 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Nissan Pathfinder trims and configurations (2026)

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

ConfigurationDriveEngineMPG (comb.)
Pathfinder 2WDFWD3.5L 6-cyl23
Pathfinder 4WD4WD3.5L 6-cyl23
Pathfinder 4WD Platinum4WD3.5L 6-cyl22
Pathfinder 4WD Rock Creek4WD3.5L 6-cyl21

Nissan Pathfinder 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 yearEnginesDriveMPGEst. full / yr
20263.5L 6-cyl4WD, FWD21–23$1,455
20253.5L 6-cyl4WD, FWD21–23$1,430
20243.5L 6-cyl4WD, FWD21–23$1,400
20233.5L 6-cyl4WD, FWD21–23$1,370
20223.5L 6-cyl4WD, FWD22–23$1,345
20203.5L 6-cyl4WD, FWD21–23$1,290
20193.5L 6-cyl4WD, FWD21–23$1,260
20183.5L 6-cyl4WD, FWD21–23$1,235
20173.5L 6-cyl4WD, FWD21–23$1,205
20163.5L 6-cyl4WD, FWD21–23$1,175
20152.5L 4-cyl Supercharged Hybrid, 3.5L 6-cyl4WD, FWD21–26$1,175
20142.5L 4-cyl Supercharged Hybrid, 3.5L 6-cyl4WD, FWD21–26$1,175
20133.5L 6-cyl4WD, FWD21–22$1,175
20124.0L 6-cyl, 5.6L 8-cyl4WD, RWD15–17$1,175
20114.0L 6-cyl, 5.6L 8-cyl4WD, RWD15–17$1,175
20104.0L 6-cyl, 5.6L 8-cyl4WD, RWD14–18$1,175
20094.0L 6-cyl, 5.6L 8-cyl4WD/AWD, RWD14–18$1,175
20084.0L 6-cyl, 5.6L 8-cyl4WD/AWD, RWD14–17$1,175
20074.0L 6-cyl4WD/AWD, RWD16–17$1,175
20064.0L 6-cyl4WD/AWD, RWD16–17$1,175

Nissan Pathfinder 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 Pathfinder page for that state.

StateFull coverageMinimumvs. nationalPathfinder page
Alabama$1,260$465−13%Pathfinder in AL
Alaska$1,270$605−13%Pathfinder in AK
Arizona$1,530$640+5%Pathfinder in AZ
Arkansas$1,270$435−13%Pathfinder in AR
California$1,415$555−3%Pathfinder in CA
Colorado$1,650$635+13%Pathfinder in CO
Connecticut$1,555$690+7%Pathfinder in CT
Delaware$1,640$780+13%Pathfinder in DE
District of Columbia$1,825$720+25%Pathfinder in DC
Florida$2,110$1,050+45%Pathfinder in FL
Georgia$1,820$845+25%Pathfinder in GA
Hawaii$995$425−32%Pathfinder in HI
Idaho$985$390−32%Pathfinder in ID
Illinois$1,255$485−14%Pathfinder in IL
Indiana$1,030$395−29%Pathfinder in IN
Iowa$975$300−33%Pathfinder in IA
Kansas$1,155$390−21%Pathfinder in KS
Kentucky$1,225$510−16%Pathfinder in KY
Louisiana$2,020$770+39%Pathfinder in LA
Maine$920$415−37%Pathfinder in ME
Maryland$1,635$730+12%Pathfinder in MD
Massachusetts$1,425$575−2%Pathfinder in MA
Michigan$1,580$745+9%Pathfinder in MI
Minnesota$1,210$455−17%Pathfinder in MN
Mississippi$1,385$515−5%Pathfinder in MS
Missouri$1,315$495−10%Pathfinder in MO
Montana$1,150$380−21%Pathfinder in MT
Nebraska$1,155$390−21%Pathfinder in NE
Nevada$1,695$840+16%Pathfinder in NV
New Hampshire$1,030$390−29%Pathfinder in NH
New Jersey$1,770$910+22%Pathfinder in NJ
New Mexico$1,300$505−11%Pathfinder in NM
New York$1,965$905+35%Pathfinder in NY
North Carolina$1,070$435−26%Pathfinder in NC
North Dakota$915$270−37%Pathfinder in ND
Ohio$1,035$395−29%Pathfinder in OH
Oklahoma$1,300$460−11%Pathfinder in OK
Oregon$1,315$610−10%Pathfinder in OR
Pennsylvania$1,260$415−13%Pathfinder in PA
Rhode Island$1,765$795+21%Pathfinder in RI
South Carolina$1,570$710+8%Pathfinder in SC
South Dakota$1,095$305−25%Pathfinder in SD
Tennessee$1,200$440−18%Pathfinder in TN
Texas$1,715$670+18%Pathfinder in TX
Utah$1,330$635−9%Pathfinder in UT
Vermont$935$310−36%Pathfinder in VT
Virginia$1,250$610−14%Pathfinder in VA
Washington$1,275$575−12%Pathfinder in WA
West Virginia$1,205$425−17%Pathfinder in WV
Wisconsin$990$360−32%Pathfinder in WI
Wyoming$1,120$315−23%Pathfinder in WY

Nissan Pathfinder insurance by driver profile

Estimated annual Nissan Pathfinder premium by driver (national average rates)
DriverMinimumStandardFull coverageFull / month
Teen driver (18, own policy) $1,640 $2,380 $4,005 $334
Young adult (22) $955 $1,385 $2,330 $194
Adult in their 30s $595 $865 $1,455 $121
Adult in their 50s $550 $795 $1,340 $112
Senior (72) $670 $970 $1,630 $136
30s, one at-fault accident $865 $1,255 $2,110 $176
30s, DUI on record $1,105 $1,600 $2,695 $225

Nissan Pathfinder vs. rivals

ModelFull coverage / yrHLDI collisionHLDI comprehensiveComparison
Nissan Pathfinder$1,4558785—
Tesla Model Y$1,50511877Compare
Ford Explorer$1,4008581Compare
Ford Edge$1,3658573Compare

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Frequently asked questions

How much is insurance for a Nissan Pathfinder?

We estimate about $1,455 a year ($121 a month) for full coverage and $595 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 Pathfinder expensive to insure?

HLDI insurance-loss data rates it at 87 for collision and 85 for comprehensive losses (100 = average of all vehicles), meaning collision losses are better than average.

Which state is cheapest to insure a Nissan Pathfinder?

North Dakota has the lowest estimate (about $915 a year for full coverage) and Florida the highest (about $2,110).

What is the Nissan Pathfinder's NHTSA safety rating?

The 2026 Nissan Pathfinder earned 5 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

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

By our estimate the Nissan Pathfinder costs about $1,455 a year versus $1,505 for the Tesla Model Y, making it the cheaper of the two to insure.

How much is Nissan Pathfinder insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,005 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