Nissan Pathfinder Insurance

The easy and affordable way

Written by Sara East
Written by Sara East

Insurance doesn’t have to be boring. That’s why we hired Sara East to be our BA insurance writer. Maggie specializes in making mundane subjects hella-entertaining.

Nissan Pathfinder

If you are currently shopping for a Nissan Pathfinder or already own one, you know it is a great family car. Protecting your new Pathfinder with the proper car insurance coverage is important. 

A local agent can guide your insurance search by providing a variety of policies to compare. This way you are sure to find a policy that provides the proper coverage at a great price. Find an independent agent near you to learn more about an insurance policy for your Pathfinder.

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

When building your insurance package you'll find plenty of coverage options to choose from to protect you against any event. However, you'll want to be aware that each state has a minimum required amount of coverage you'll need to meet. Your independent insurance agent can advise you on exactly what you need. While certain coverages are optional, it’s always a good idea to weigh the benefits of opting for extra protection.  

Most states mandate the following coverage 

Bodily injury liability: If you get into an accident and harm someone else, this coverage provides reimbursement to the other party for medical care and lost wages up to your policy limits. 

Property damage liability: There's a chance that you will get in an accident that causes damage to someone else's property like their vehicle, a structure, or other property. If this happens, property damage liability coverage will help repair and pay for the damage. 

Many states also require this coverage

Medical payments/Personal injury protection: Personal injury protection (PIP) coverage pays the cost of medical care and lost wages for you and your passengers if you're in an accident, no matter who is at fault.

Uninsured motorist coverage: More than 1 in 10 drivers don’t carry auto insurance, which puts you at risk. Uninsured and underinsured motorist coverage protects you against drivers whose policy limits aren’t enough to cover the damage your vehicle might sustain in an accident. 

Optional Coverage

Collision: If you collide with another vehicle or object while driving and your Pathfinder needs repairing or to be replaced, collision coverage covers the claim.

Comprehensive: There are other events besides a collision that can cause damage to your vehicle. Events like fires, earthquakes, and storms make comprehensive coverage beneficial to have just in case. 

Glass: Flying rocks, birds, unexpected cracks, and accidents can result in the need to repair or replace your windshield or other glass in your vehicle. For a low premium, glass coverage can replace or repair your windshield if it gets damaged. 

Gap: If you take out a loan for your Nissan Pathfinder and you owe more than it's worth, it might be worth carrying gap coverage. This insurance is designed to pay the difference between what you owe and the value of your vehicle if your car is declared a total loss after an accident. 

What Affects the Cost of Car Insurance for Your Nissan Pathfinder? 

Annual mileage

Whether you drive a long way to work or just like a good ole joy ride, driving your vehicle more miles a year will increase your premium. Being on the road means a greater chance for a claim.

Driving record 

It pays to be a safe driver. If you have no traffic or moving violations on your record you'll most likely get offered lower insurance rates from companies. If you do have violations, it's likely they will not affect your rates forever and your independent agent can let you know when that might be.

The value of your car 

Since insurance companies need to be prepared to potentially replace the value of your vehicle, the more expensive your car the higher insurance premium. A Nissan Pathfinder is averagely priced for a midsize SUV, which will bode well for your insurance rates. 

Average price of a Nissan Pathfinder
2017 $16,600 - $24,000
2018 $18,500 - $26,500
2019 $20,275 - $29,125
2020 $31,980 - $44,910

The safety of your Nissan Pathfinder 

Safety ratings are a big factor for insurance companies because they mean the odds of you getting hurt in an accident (and running up expensive medical bills) are much lower. 

Safety features such as Nissan’s advanced airbag system, Vehicle Dynamic Control, traction control, and a 4-wheel anti-lock braking system, which come standard on all Pathfinder models, help keep Pathfinder insurance premiums low. 

The most recent Pathfinder received overall "good" ratings from the Insurance Institute of Highway Safety (IIHS) and the National Highway Traffic Safety Administration (NHTSA) gave the Pathfinder five-out-of-five stars in overall crash ratings.

Where you live with your Nissan Pathfinder

Small town, big city, rural farm, it all matters when calculating your insurance rates. Living in a large city increases your risk for theft, vandalism and claims increasing your insurance rates. 

Average cost to insure a Nissan Pathfinder

In addition to the above, the cost of car insurance premiums can vary greatly depending on selected coverage, age, driving record, trim level etc. The average cost to insure your Pathfinder per year sits around $1,308. In fact, age plays a major role in costs as you tend to be a safer driver the older you get.

Age Insurance Premiums
16 $4,810
20 $2,978
30 $1,364
40 $1,308
50 $1,194
60 $1,168

Which states are most affordable and least affordable for car insurance? 

Estimated annual car insurance premiums in the United States are as follows.

Most expensive states
Florida $1,636
Rhode Island $1,744
Kentucky $1,784
Louisiana $1,936
Michigan $2,272
Most affordable states
North Carolina $754
Virginia $784
Maine $808
Idaho $884
Iowa $884

How Can You Save on Nissan Pathfinder Insurance? 

Fortunately, insurance companies offer a variety of options to save you money on auto insurance, which include the following. 

  • Good student discount
  • Anti-theft device discount
  • Affinity discount
  • Good driver discount
  • Multi-line discount
  • Multi-vehicle discount

Higher deductibles can also help you save on your monthly premium. 

Top Insurance Companies That Insure the Nissan Pathfinder

No two insurance companies are alike. It’s important to choose a company that's reliable, trustworthy, and committed to their customers. The US Independent Insurance Agent Satisfaction Study by J.D. Power awarded the following companies high marks. 

  1. Progressive
  2. Safeco
  3. Travelers

Your independent insurance agent can help you choose a company that is the right fit for your needs.


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Comparing Quotes for Nissan Pathfinder Insurance

There are plenty of perks to working with an independent insurance agent. Your agent has the ability to shop a wide variety of companies to get you the best rate. An independent agent works for you, so you can rest assured that your needs are taken care of. Let a independent insurance agent get you a car insurance quote today.

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