Nissan Maxima Insurance

What Will Car Insurance for Your Nissan Maxima Cost You?

How to easily find the right coverage

Nissan Maxima Insurance

The Nissan Maxima is an attractive and well-made car that offers luxury amenities and a large, attractive cabin, making it a standout among typical family sedans. Before you load up your family and yourself in this popular vehicle, it's best to understand how much car insurance will cost you.

Talk to an independent agent about Nissan Maxima insurance. Independent agents can obtain quotes from multiple carriers, so you find the best policy for your needs and budget. 

What Kind of Insurance Do You Need for Your Nissan Maxima?

Bodily injury liability: This coverage pays for medical bills, lost wages, and any other additional costs that may be associated in an at-fault accident. However, it only pays for these claims for the third-party involved, not for you, the driver. Most states have a minimum requirement for bodily injury liability insurance coverage.

Property damage liability: This coverage also only pays for third-party damage, but this time it's for any property that may need repair or replacement in an at-fault accident. Like bodily injury, most states also have a minimum required property damage amount.

Medical payments/Personal injury protection: In no-fault states, personal injury protection will help cover some of the costs of medical bills for injuries sustained by you or your passengers. If you don't live in a no-fault state, you'll have the option of adding medical payments coverage to your insurance.

Uninsured motorist coverage: Unfortunately many drivers are on the road without insurance, even though it's illegal. Uninsured and underinsured motorist coverage gives you the protection you need so you'll have coverage if you're in an accident with someone who does not have sufficient insurance. 

Optional coverage:

Collision: Collision coverage will pay to fix or replace your Nissan Maxima if you collide with another vehicle, light post, structure, or metal pole. Even though collision coverage is not required by states, your agent can recommend whether it's worth purchasing. If you collide with something without collision insurance, you'll be paying for any damage to your vehicle out of pocket, which can be costly.

Comprehensive: For a majority of claims that aren't covered under collision insurance, there's comprehensive coverage. This includes things like hitting an animal or your car being vandalized, comprehensive coverage will pay to repair or replace your car, minus your deductible. Like collision coverage, your comprehensive coverage only pays up to the value of your car. 

Glass coverage: It is illegal to drive with a cracked windshield. Glass coverage adds a few dollars to your auto insurance premium each month but fully pays for any glass repair on your Nissan Maxima. Your agent can explain the pros and cons of a zero-deductible glass coverage policy. 

Gap insurance: If you are leasing your Nissan Maxima or bought it brand new, you may want to consider gap insurance. With gap coverage, you'll have an extra layer of protection to help minimize the amount of money you'll owe the bank or lease company if you're in a total loss accident and you owe more for your vehicle than it's worth. 

What Affects the Cost of Insurance for Your Nissan Maxima?

Midsize sedans like the Nissan Maxima often cost less to insure than other types of cars like coupes, sports cars, and luxury vehicles. But insurance companies also look at other factors when determining insurance costs for a particular vehicle, including:

Annual mileage: The more you drive, the more expensive your insurance coverage could be. Being on the road more often correlates to more claims filed. 

Your driving record: If you don't have a ticket or at-fault accident on your record, you could pay up to 40% less for insurance than higher-risk drivers. 

The value of your vehicle: 2020 Nissan Maxima prices range from $36,990 - $42,220, depending on your trim level. A newer Nissan Maxima will cost more to insure than an older model as the value decreases. 

Average cost of Nissan Maxima by year 
2021$36,990 - $42,220
2020$34,450 - $41,840
2019$23,050 - $30,375
2018$19,700 - $25,825
2017$18,425 - $22,675

Average Nissan Maxima Insurance Costs

The average annual premium for a 2020 Nissan Maxima is $1,576. This price increases significantly for teens and high-risk drivers. 

Average annual cost to insure a Nissan Maxima with full coverage:$1,576
Teens:$5,664
High-risk drivers:$3,394
High deductibles:$1,338
Low deductibles:$2,036

The Safety of Your Nissan Maxima

The Maxima has certain features that help to keep rates low (high safety ratings, low repair costs), while other factors (higher sticker price, higher theft rates) may make it more expensive to insure than other non-luxury midsize sedans. The Nissan Maxima sedan is continually awarded with the Top Safety Pick+ designation from the Insurance Institute for Highway Safety. 

To earn this rating, a vehicle must earn an "advanced" or "superior" rating for front crash prevention and a "good" rating in other tests.

 The Maxima achieved the following IIHS safety ratings:

  • Moderate overlap front test: Good
  • Small overlap front test: Good
  • Side impact test: Good
  • Roof strength test: Good
  • Head restraints and seats: Good
  • Front crash prevention: Good

The latest Nissan Maxima offers the following safety features:

  • Dual front side-mounted airbags
  • Remote anti-theft alarm system
  • Stability and traction control
  • 4-wheel anti-lock brakes
  • Tire pressure monitoring
  • Emergency braking assist

How Location Affects Your Nissan Maxima Insurance 

Drivers who live in cities generally pay more for car insurance than those who live in rural areas. 

Average annual insurance premium
Los Angeles$2,694
New York City$2,490
Houston$2,470
Jacksonville$2,290
Top three most expensive states for Nissan Maxima insurance:
Michigan$2,740
Louisiana$2,336
Kentucky$2,152
Top three most affordable states for Nissan Maxima insurance: 
North Carolina$908
Virginia$946
Maine$972

Additional factors that affect your Nissan Maxima insurance premiums:

  • Safety features like anti-theft devices
  • Your age
  • Your gender
  • The deductibles you choose
  • Your credit rating

Top Insurance Carriers That Insure the Nissan Maxima

According to a recent US Independent Insurance Agent Satisfaction Study by J.D. Power, these four companies offer superior service to their customers: 

  1. Progressive
  2. Safeco
  3. Travelers
  4. Auto-Owners Insurance

Where to Find Car Insurance for Nissan Maxima

The Nissan Maxima is an attractive, safe, and well-appointed midsize sedan that will please all kinds of drivers. Midsize sedans in general offer lower-than-average insurance rates, and while the Maxima is a frequent target for thieves, you can still find affordable Maxima insurance. 

An independent TrustedChoice.com agent can help you find high-quality Nissan Maxima insurance that fits your needs and budget. A local agent in your area can get quotes from multiple highly rated insurance companies, and will help you compare rates and coverage so you can be sure you are getting what you need. 

Find an independent agent in your area today. 

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