Nissan Maxima Insurance

Are Theft Rates Making Your Nissan Maxima Car Insurance Expensive?

(How to easily find the right coverage)

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. It also offers top crash scores and was awarded a Top Safety Pick+ designation from the Insurance Institute for Highway Safety. 

Midsize sedans like the Maxima tend to be popular with families and safe drivers, and insurance rates reflect that. A Maxima’s insurance rates are also impacted by its high theft rates, which may make it somewhat more expensive to insure than other vehicles in its class. 

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. 

How Much Does Nissan Maxima Insurance Cost?

Average Cost of Nissan Maxima Insurance

Average annual car insurance for the Nissan Maxima costs about $1,042. This is lower than the national average of $1,311 per year. 

Besides the make and model of your vehicle, a variety of factors influence how much you pay for auto insurance, including:

  • Where you live
  • Your age and gender
  • Your driving record 
  • Your marital status 
  • Your credit history
  • How much you drive

If you are thinking about purchasing a Nissan Maxima, comparing its insurance costs to the national average is a good place to start. The Maxima is a family-friendly midsize sedan. Sedans typically offer lower-than-average insurance rates because they tend to be driven by older, more cautious individuals and people with children. 

The types of coverage and deductibles that you choose also impact your insurance rates. Higher coverage limits will increase your rates, but higher deductibles can help you offset those increased costs. 

You may also qualify for discounts from your insurance company. Most insurance companies offer a variety of discounts, so talk to your independent insurance agent to see which ones you qualify for. The most popular insurance company discounts include:

  • Multi-policy discount for those with multiple policy types (usually auto and home) with one insurance company
  • Multi-vehicle discount for those who insure more than one vehicle with an insurance company
  • Safe driver discount if you have a clean driving record
  • Good student discount for students who earn good grades

What Influences Insurance Costs for Midsize Sedans?

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:

  • Initial purchase price of the vehicle
  • Repair costs
  • Model history of accidents
  • Safety ratings
  • Speed and power
  • Theft ratings

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

Nissan Maxima Auto Theft and Safety Ratings

Insurance companies are concerned with vehicle safety because safer vehicles tend to carry less risk for costly passenger injuries and repairs. The 2016 Nissan Maxima sedan was awarded a 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: Superior

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

Certain safety features qualify for insurance company discounts. Insurance companies often offer discounts for vehicles with anti-lock brakes, air bags, and automatic seat belts. 

Theft also plays an important role in how much you will pay for your car insurance. For the Nissan Maxima, high theft rates may contribute to insurance costs that are somewhat higher than other midsize sedans.

According to the National Insurance Crime Bureau (NICB), one vehicle is stolen every 45 seconds, resulting in more than $4 billion in losses each year. These losses are often in the form of auto insurance claims, so they are of great concern to auto insurance companies. 

In 2014, the Nissan Maxima was number 10 on the NICB’s list of most stolen vehicles, with 6,586 thefts. The NICB suggest the following ways to prevent vehicle theft:

  • Use common sense: Lock your car and take your keys.
  • Install a warning device/alarm: A visible or audible device helps to keep thieves at bay.
  • Use an immobilizing device: Kill switches, fuel cutoffs, and smart keys prevent your car from being started by a thief.
  • Use a tracking device: If your car is stolen, GPS tracking devices are very effective in helping police recover it. 

Theft rates influence the cost of your comprehensive insurance coverage, which pays for losses due to theft, fire, vandalism, weather, birds or animals, glass breakage, and so on. Maxima owners may pay more for comprehensive coverage than drivers of vehicles with lower theft rates. 

But the Maxima’s popularity with thieves also illustrates the importance of purchasing comprehensive coverage to ensure that you are protected if your vehicle is stolen. 

Repair Costs for the Nissan Maxima

Repair costs also influence how much your Maxima insurance will cost. More expensive cars cost more to insure because they are often more expensive to repair, too. Foreign cars may also cost more to repair (and insure) because there may be greater difficulty obtaining parts if you are in a crash. 

When comparing costs for some of the most common post-crash body repairs, including repairing or replacing the front bumper, grille, and windshield, the Nissan Maxima’s repair costs are lower than the national average. 

This can help to offset insurance rates that may be higher due to the Maxima’s high theft rates. Insurance companies are concerned with these prices because they reflect what they might have to pay out if you have to file a claim after an accident.

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 Trusted Choice 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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