The Nissan Muran is a midsize luxury SUV that first debuted in the U.S. in 2002. The vehicle remains a popular choice today, and the 2026 Murano is praised for its fuel efficiency, with an estimated 23 MPG combined. No matter which type of Nissan Murano you drive, it needs to be protected with the right car insurance.
When it's time to find the best Nissan Murano 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 breakdown of how much it costs to insure a Nissan Murano by model year and top-rated insurance company in 2026.
Key Takeaways - Nissan Murano Car Insurance
Nissan Murano insurance costs an average of $1,854 per year, or approximately $155 per month, for full coverage in 2026.
Your age, location, credit, model year, and driving history are all major factors that can influence the cost of Nissan Murano insurance.
Nissan Murano insurance costs vary widely by state, with good drivers in Hawaii paying an average of only $1,028 annually for full coverage, while those in Michigan pay $4,479.
Progressive, American Family, and Erie are the cheapest carriers for model-year 2025 Nissan Murano insurance this year.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Nissan Murano model.
What Is Nissan Murano Insurance?
Nissan Murano insurance is a specialized car insurance policy that offers customized coverage for your specific vehicle. As a midsize luxury SUV, the Murano may require additional coverage beyond that needed by standard sedans. However, the Murano's average car insurance rates trend cheaper than those for other SUVs in its class.
Recommended coverage options for Nissan Murano 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 Murano:
- 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.
- 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.
- Gap insurance: If you have a new or financed Nissan vehicle, this coverage can pay the difference between the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
Work with a local independent insurance agent to get set up with all the required Nissan Murano insurance in your state. This helps you avoid noncompliance penalties, including fines for being underinsured.
How Much Does Nissan Murano Insurance Cost?
The average cost of car insurance for a Nissan Murano is $1,854 per year, or approximately $155 per month, for full coverage. However, several factors can influence the cost of Nissan insurance, including:
- The specific type of Murano you drive
- Your driving history
- Your claims history
- Your location
- Your credit score (where allowed)
- Annual mileage
- The types and amount of coverage you need
- Vehicle safety features
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Nissan Murano full coverage insurance or a basic Nissan Murano liability insurance policy.
Is the Nissan Murano Expensive to Insure?
No, the Nissan Murano isn't expensive to insure when compared to other Nissans and other SUVs. The table below compares average auto insurance rates for the Nissan Murano with those for all Nissans and other SUVs.
| Vehicle | Average Monthly Cost of Full Coverage |
| Nissan Murano | $155 |
| All Nissans | $182 |
| All SUVs | $184 |
Nissan Murano Insurance Costs by Model Year
Next, we'll break down several model years of the Nissan Murano and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2026 Nissan Murano* | $2,925 |
| 2025 Nissan Murano | $1,356 |
| 2024 Nissan Murano | $4,078 |
| 2023 Nissan Murano | $1,541 |
| 2022 Nissan Murano | $709 |
| 2021 Nissan Murano | $657 |
| 2020 Nissan Murano | $624 |
| 2019 Nissan Murano | $809 |
| 2018 Nissan Murano | $769 |
| 2017 Nissan Murano | $625 |
| 2016 Nissan Murano | $614 |
| 2015 Nissan Murano | $706 |
| 2014 Nissan Murano | $565 |
| 2013 Nissan Murano | $722 |
| 2012 Nissan Murano | $645 |
| 2011 Nissan Murano | $564 |
| 2010 Nissan Murano | $582 |
*Note: The 2026 Murano's average rates are a projection based on the evaluation of inflation trends and current market data.
Cheapest Nissan Murano Car Insurance Companies for 2026
Affordable Nissan Murano insurance is sold by many carriers across the nation. These top-rated Nissan car insurance companies provide the cheapest model-year 2025 Murano insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,516 |
| American Family | $1,787 |
| Erie | $2,106 |
| USAA | $2,147 |
| Nationwide | $2,149 |
| Allstate | $3,500 |
Nissan Murano Car Insurance Rates by State and Driver Profile
Location, driving history, and credit are all main factors that can go into car insurance premium calculations. Here are some average auto insurance rates for the Nissan Murano by state and driver profile for 2026.
| State | Clean Record | Accident on Record | Poor Credit |
| Alabama | $2,376 | $3,489 | $4,431 |
| Alaska | $1,950 | $2,740 | $2,643 |
| Arizona | $2,260 | $3,254 | $4,770 |
| Arkansas | $2,408 | $3,864 | $4,226 |
| California | $2,690 | $4,827 | $2,754 |
| Colorado | $2,567 | $3,555 | $4,487 |
| Connecticut | $3,242 | $5,019 | $6,410 |
| Delaware | $2,693 | $3,602 | $4,594 |
| Florida | $3,228 | $4,401 | $5,796 |
| Georgia | $2,608 | $3,927 | $3,920 |
| Hawaii | $1,028 | $1,444 | $1,026 |
| Idaho | $1,769 | $2,397 | $2,938 |
| Illinois | $1,902 | $2,880 | $3,300 |
| Indiana | $1,949 | $2,959 | $3,376 |
| Iowa | $1,550 | $2,138 | $2,458 |
| Kansas | $2,041 | $2,981 | $3,521 |
| Kentucky | $2,959 | $4,356 | $5,122 |
| Louisiana | $3,845 | $5,748 | $6,286 |
| Maine | $1,463 | $1,965 | $2,936 |
| Maryland | $2,297 | $3,420 | $3,760 |
| Massachusetts | $1,831 | $3,263 | $1,896 |
| Michigan | $4,479 | $6,844 | $10,879 |
| Minnesota | $1,848 | $2,482 | $3,508 |
| Mississippi | $2,220 | $3,209 | $3,198 |
| Missouri | $2,141 | $3,030 | $3,947 |
| Montana | $2,185 | $3,002 | $3,451 |
| Nebraska | $1,809 | $2,705 | $2,943 |
| Nevada | $3,021 | $4,438 | $4,700 |
| New Hampshire | $2,066 | $3,299 | $4,167 |
| New Jersey | $2,317 | $3,608 | $4,693 |
| New Mexico | $2,338 | $3,504 | $3,617 |
| New York | $2,136 | $2,727 | $4,554 |
| North Carolina | $1,356 | $2,295 | $1,674 |
| North Dakota | $1,838 | $2,784 | $3,320 |
| Ohio | $1,647 | $2,507 | $2,588 |
| Oklahoma | $2,634 | $3,774 | $4,253 |
| Oregon | $2,372 | $3,196 | $3,817 |
| Pennsylvania | $1,993 | $2,945 | $3,437 |
| Rhode Island | $3,377 | $4,928 | $5,543 |
| South Carolina | $2,263 | $3,167 | $4,367 |
| South Dakota | $2,088 | $2,980 | $3,406 |
| Tennessee | $2,396 | $3,566 | $4,709 |
| Texas | $2,426 | $3,499 | $4,370 |
| Utah | $2,087 | $2,859 | $3,963 |
| Vermont | $1,563 | $2,426 | $2,593 |
| Virginia | $1,525 | $2,319 | $2,221 |
| Washington | $1,995 | $2,717 | $3,196 |
| West Virginia | $1,996 | $2,845 | $3,580 |
| Wisconsin | $1,991 | $3,124 | $3,536 |
| Wyoming | $1,851 | $2,581 | $2,724 |
Average Nissan Murano Insurance Rates by Driver Age and Profile
Age is one of the biggest factors that affects car insurance premiums. Teens and young drivers pay the highest average insurance rates for a Nissan Murano. 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 Murano insurance rates by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $7,122 | $10,449 | $12,187 |
| 20 | $5,511 | $8,081 | $9,390 |
| 25 | $3,242 | $4,748 | $5,497 |
| 30 | $2,490 | $3,697 | $4,263 |
| 35 | $2,303 | $3,468 | $4,064 |
| 40 | $2,261 | $3,317 | $3,889 |
| 45 | $2,200 | $3,227 | $3,787 |
| 55 | $2,007 | $2,942 | $3,479 |
| 65 | $2,073 | $3,062 | $3,567 |
| 75 | $2,636 | $3,890 | $4,565 |
Best Nissan Murano Insurance Discounts: How to Lower Your Nissan Murano Insurance Premiums
Want to save even more money on your Nissan Murano insurance? Try any of these easy steps today:
- Ask about Nissan Murano 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 Murano 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 Murano insurance from a trusted carrier near you.
Your independent insurance agent knows which carriers sell the cheapest Nissan Murano insurance near you. They can also help you find the best discounts to reduce your coverage rates as much as possible.
An Independent Insurance Agent Can Help You Get the Best Nissan Murano Insurance Quotes
When it's time to find the most affordable Nissan Murano 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 Murano 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 Murano Insurance
How much does Nissan Murano insurance cost per year?
The average annual cost of full coverage for a Nissan Murano is $1,854 per year, or approximately $155 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 Murano insurance premiums?
Filing car insurance claims in the past, traffic violations or accidents on your record, poor credit, or living in a high-theft rate area can all increase the cost of Nissan Murano car insurance.
Is the Nissan Murano expensive to insure?
No, the Nissan Murano isn't expensive to insure on average. The premium for a six-month full coverage policy is only $927.
What are the best and cheapest carriers for Nissan Murano insurance in 2026?
We found that Progressive, American Family, and Erie are the best and cheapest car insurance companies for model-year 2025 Nissan Murano insurance this year.
Is insurance cheaper for the Nissan Murano than for other Nissans?
Yes, the Nissan Murano's average monthly car insurance rate of $155 is significantly lower than the $182 average for other Nissan vehicles.
How can I get cheaper Nissan Murano insurance?
Finding cheaper Nissan Murano 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.thezebra.com/auto-insurance/vehicles/nissan/murano/
https://www.insuranceopedia.com/auto-insurance/nissan-murano-car-insurance