The Nissan Maxima is a full-size, four-door vehicle, sometimes referenced as a sports car as well as a sedan. Though Nissan officially discontinued the Maxima after the 2023 model year, the vehicle is rumored to return as an electric sedan in the next couple of years. If you drive a Nissan Maxima, it needs to be protected with the right car insurance.
When it's time to find the best Nissan Maxima insurance, an independent insurance agent can assist you. These agents know where to get the right Nissan insurance at a great rate. But first, here's a deep dive into how much it costs to insure a Nissan Maxima by model year and top-rated insurance company in 2026.
Key Takeaways - Nissan Maxima Car Insurance
Nissan Maxima insurance costs an average of $1,905 per year, or approximately $159 per month, for full coverage in 2026.
USAA, American Family, and Progressive are the cheapest carriers for model-year 2023 Nissan Maxima insurance this year.
Your age, location, credit, trim level, and driving history are all major factors that can influence the cost of Nissan Maxima insurance.
Nissan Maxima insurance costs vary widely by state, with drivers in Wyoming paying an average of only $30 monthly for minimum coverage, while those in Louisiana pay $161.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Nissan Maxima model.
What Is Nissan Maxima Insurance?
Nissan Maxima insurance is a specialized car insurance policy that offers customized coverage for your specific vehicle. As a full-size vehicle sometimes known as a sports car, the Maxima may require additional coverage beyond that needed by standard cars. However, the Maxima's average car insurance rates trend cheaper than those for similar vehicles in its class.
Recommended coverage options for Nissan Maxima drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving an uninsured or underinsured driver, or after a hit-and-run.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
Add-on coverage options worth considering for a Nissan Maxima:
- Gap insurance: If you have a new or financed Nissan vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- Nissan warranty insurance: This can extend Nissan's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Nissan parts during the repair process.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
Work with a local independent insurance agent to ensure you're equipped with all the mandatory auto insurance for a Nissan Maxima in your state. Failure to carry the required car insurance can result in state penalties, including fines.
How Much Does Nissan Maxima Insurance Cost?
The average cost of car insurance for a Nissan Maxima is $1,905 per year, or approximately $159 per month, for full coverage. Minimum coverage for a Nissan Maxima costs an average of $985 annually, or approximately $82 per month.
However, several factors can influence the cost of Nissan insurance, including:
- The specific type of Maxima you drive
- Your location
- Annual mileage
- Your driving history
- The types and amount of coverage you need
- Vehicle safety features
- Your claims history
- Your credit score (where allowed)
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Nissan Maxima full coverage insurance or a basic Nissan Maxima liability insurance policy.
Is the Nissan Maxima Expensive to Insure?
No, the Nissan Maxima isn't expensive to insure when compared to other Nissans and other vehicles in general. The table below compares average auto insurance rates for the Nissan Maxima with those for all Nissans and other cars.
| Vehicle | Average Monthly Cost of Full Coverage |
| Nissan Maxima | $159 |
| All Nissans | $187 |
| All Cars | $175 |
Average Nissan Maxima Insurance Rates Compared to Similar Vehicles
The Nissan Maxima's average monthly auto insurance rates are quite level with those of several vehicles in its class. The Maxima's average monthly rate of $120 is the same as the Honda Civic's, and just a dollar off from the Toyota Avalon, the Volkswagen Passat, and others. The table below compares the Maxima's average monthly rates to those of similar vehicles.
| Vehicle | Average Monthly Cost of Car Insurance |
| Hyundai Accent | $119 |
| Toyota Avalon | $119 |
| Honda Civic | $120 |
| Nissan Maxima | $120 |
| Volkswagen Passat | $121 |
| Infiniti G-Line | $121 |
| Buick Lacrosse | $121 |
Nissan Maxima Insurance Costs by Model Year
Next, we'll break down several model years of the Nissan Maxima and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2026 Nissan Maxima* | $2,765 |
| 2025 Nissan Maxima | $1,737 |
| 2024 Nissan Maxima | $1,796 |
| 2023 Nissan Maxima | $1,677 |
| 2022 Nissan Maxima | $1,130 |
| 2021 Nissan Maxima | $1,194 |
| 2020 Nissan Maxima | $992 |
| 2019 Nissan Maxima | $1,064 |
| 2018 Nissan Maxima | $883 |
| 2017 Nissan Maxima | $603 |
| 2016 Nissan Maxima | $820 |
| 2014 Nissan Maxima | $820 |
| 2013 Nissan Maxima | $809 |
| 2012 Nissan Maxima | $771 |
| 2011 Nissan Maxima | $675 |
| 2010 Nissan Maxima | $689 |
*Note: The 2026 Maxima's average rates are a projection based on the evaluation of inflation trends and current market data.
Cheapest Nissan Maxima Car Insurance Companies for 2026
Affordable Nissan Maxima insurance is sold by many different carriers in the U.S. These top-rated Nissan car insurance companies provide the cheapest model-year 2023 Maxima insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| USAA | $2,255 |
| American Family | $2,282 |
| Progressive | $2,367 |
| Erie | $2,548 |
| Nationwide | $2,841 |
| Allstate | $4,412 |
Nissan Maxima Car Insurance Rates by State
Your location has a major impact on the cost of your car insurance. Here are some average auto insurance rates for the Nissan Maxima by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $71 | $134 |
| Alaska | $59 | $125 |
| Arizona | $102 | $189 |
| Arkansas | $65 | $145 |
| California | $76 | $155 |
| Colorado | $77 | $184 |
| Connecticut | $112 | $193 |
| Delaware | $117 | $196 |
| Florida | $109 | $255 |
| Georgia | $124 | $204 |
| Hawaii | $43 | $97 |
| Idaho | $44 | $90 |
| Illinois | $75 | $139 |
| Indiana | $52 | $101 |
| Iowa | $45 | $107 |
| Kansas | $57 | $133 |
| Kentucky | $100 | $170 |
| Louisiana | $161 | $345 |
| Maine | $42 | $87 |
| Maryland | $129 | $217 |
| Massachusetts | $84 | $177 |
| Michigan | $127 | $244 |
| Minnesota | $66 | $138 |
| Mississippi | $73 | $143 |
| Missouri | $92 | $184 |
| Montana | $58 | $136 |
| Nebraska | $60 | $136 |
| Nevada | $145 | $263 |
| New Hampshire | $56 | $99 |
| New Jersey | $134 | $221 |
| New Mexico | $66 | $146 |
| New York | $100 | $179 |
| North Carolina | $66 | $129 |
| North Dakota | $48 | $104 |
| Ohio | $62 | $121 |
| Oklahoma | $75 | $167 |
| Oregon | $99 | $172 |
| Pennsylvania | $70 | $165 |
| Rhode Island | $101 | $179 |
| South Carolina | $81 | $152 |
| South Dakota | $43 | $132 |
| Tennessee | $63 | $127 |
| Texas | $103 | $210 |
| Utah | $85 | $144 |
| Vermont | $36 | $86 |
| Virginia | $76 | $123 |
| Washington | $75 | $140 |
| West Virginia | $71 | $143 |
| Wisconsin | $52 | $115 |
| Wyoming | $30 | $92 |
Average Nissan Maxima Insurance Rates by Trim Level
Auto insurance rates for the Nissan Maxima are also affected by the trim level. Here are some average Nissan Maxima insurance rates by trim level in 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| SE Sedan 4d | $68 | $132 |
| GLE Sedan 4d | $71 | $136 |
| SE 20th Anniversary ED Sedan 4d | $73 | $139 |
| SL Sedan 4d | $74 | $142 |
| GXE Sedan 4d | $74 | $143 |
| SV (2017.5) Sedan 4d | $75 | $146 |
| SR (2017.5) Sedan 4d | $78 | $150 |
| SL (2017.5) Sedan 4d | $79 | $153 |
| S (2017.5) Sedan 4d | $83 | $161 |
| Platinum (2017.5) Sedan 4d | $84 | $161 |
| S Sedan 4d | $84 | $163 |
| SV Sedan 4d | $89 | $172 |
| SR Sedan 4d | $92 | $179 |
| Platinum Sedan 4d | $96 | $186 |
Average Nissan Maxima Insurance Rates by Driver Age and Profile
Your age, credit, and driving history can also play a major role in car insurance premium calculations. Teens and young drivers pay the highest average insurance rates for a Nissan Maxima. Auto insurance rates tend to decline considerably starting around age 25.
Once a driver reaches about age 65, auto insurance rates begin to climb through their senior years. Here are some average Nissan Maxima insurance rates by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $9,229 | $13,571 | $15,870 |
| 20 | $7,160 | $10,467 | $12,228 |
| 25 | $4,161 | $6,110 | $7,148 |
| 30 | $3,233 | $4,794 | $5,552 |
| 35 | $3,029 | $4,476 | $5,192 |
| 40 | $2,933 | $4,301 | $5,041 |
| 45 | $2,858 | $4,195 | $4,860 |
| 55 | $2,604 | $3,848 | $4,490 |
| 65 | $2,720 | $3,997 | $4,676 |
| 75 | $3,438 | $5,081 | $5,900 |
Best Nissan Maxima Insurance Discounts: How to Lower Your Nissan Maxima Insurance Premiums
Saving money on Nissan Maxima auto insurance can be easy when you follow any of these strategies:
- Ask about Nissan Maxima insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Ask about telematics programs: Your insurance company or Nissan may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Compare quotes from multiple carriers: Comparing Nissan Maxima insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Nissan Maxima insurance from a trusted carrier near you.
Your independent insurance agent can recommend even more easy ways to reduce your Nissan Maxima insurance premiums as much as possible.
An Independent Insurance Agent Can Help You Get the Best Nissan Maxima Insurance Quotes
When it's time to find the most affordable Nissan Maxima insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Nissan Maxima insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to lower your premium rates even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Nissan Maxima Insurance
How much does Nissan Maxima insurance cost per year?
The average annual cost of full coverage for a Nissan Maxima is $1,905 per year, or approximately $159 per month, for full coverage. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Nissan Maxima insurance premiums?
Having traffic violations or accidents on your record, poor credit, prior claims, or living in a high-theft rate area can all increase the cost of Nissan Maxima auto insurance.
Is the Nissan Maxima expensive to insure?
No, the Nissan Maxima isn't expensive to insure when compared to other vehicles, including other Nissan models.
What are the best and cheapest carriers for Nissan Maxima insurance in 2026?
We found that USAA, American Family, and Progressive are the best and cheapest car insurance companies for model-year 2023 Nissan Maxima insurance this year.
Is insurance cheaper for the Nissan Maxima than for similar vehicles?
Yes, the Nissan Maxima's average monthly car insurance rate is slightly cheaper than that of the Infiniti G-Line and the Buick Lacrosse.
How can I get cheaper Nissan Maxima insurance?
Finding cheaper Nissan Maxima insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.moneygeek.com/insurance/auto/nissan-maxima-insurance/
https://www.thezebra.com/auto-insurance/vehicles/nissan/maxima/
https://www.insuranceopedia.com/auto-insurance/nissan-maxima-car-insurance