The Nissan Pathfinder is a midsize three-row SUV that first debuted in the U.S. in 1986. The 2026 Pathfinder has been upgraded with the latest tech and power, featuring a 12.3-inch infotainment screen and up to 6,000 pounds of towing capacity. No matter which type of Nissan Pathfinder you drive, it needs to be protected with the right car insurance.
When it's time to find the best Nissan Pathfinder 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 Pathfinder by model year and top-rated insurance company in 2026.
Key Takeaways - Nissan Pathfinder Car Insurance
Nissan Pathfinder insurance costs an average of $1,962 per year, or approximately $164 per month, for full coverage in 2026.
Nissan Pathfinder 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 $165.
Your age, location, credit, trim level, and driving history are all major factors that can influence the cost of Nissan Pathfinder insurance.
Progressive, American Family, and USAA are the cheapest carriers for model-year 2025 Nissan Pathfinder 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 Pathfinder model.
What Is Nissan Pathfinder Insurance?
Nissan Pathfinder insurance is a specialized car insurance policy that offers customized coverage for your specific vehicle. As a midsize SUV, the Pathfinder may require additional coverage beyond what standard sedans need. However, the Pathfinder's average car insurance rates trend cheaper than those for similar SUVs.
Recommended coverage options for Nissan Pathfinder 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 a driver who is uninsured or underinsured, 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 Pathfinder:
- 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.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Nissan parts during the repair process.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- 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.
To get set up with all the required auto insurance for your Nissan Pathfinder, work with a local independent insurance agent. These agents are familiar with all the car insurance mandates in your state.
How Much Does Nissan Pathfinder Insurance Cost?
The average cost of car insurance for a Nissan Pathfinder is $1,962 per year, or approximately $164 per month, for full coverage. Minimum coverage for a Nissan Pathfinder costs an average of $1,016 annually, or approximately $85 monthly. However, several factors can influence the cost of Nissan insurance, including:
- The specific type of Pathfinder 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 Pathfinder full coverage insurance or a basic Nissan Pathfinder liability insurance policy.
Is the Nissan Pathfinder Expensive to Insure?
No, the Nissan Pathfinder isn't expensive to insure when compared to other Nissans and other SUVS in its class. The table below compares average auto insurance rates for the Nissan Pathfinder with those for all Nissans and other SUVs.
| Vehicle | Average Monthly Cost of Full Coverage |
| Nissan Pathfinder | $164 |
| All Nissans | $182 |
| All SUVs | $184 |
Average Nissan Pathfinder Insurance Rates Compared to Similar Vehicles
The Nissan Pathfinder's average monthly auto insurance rates are quite level with those of several vehicles in its class. The Pathfinder's average of $124 is the same as that for the Subaru Outback, the GMC Terrain, and the BMW X3. The table below compares the Pathfinder's average monthly rates to those of similar vehicles.
| Vehicle | Average Monthly Cost of Car Insurance |
| Subaru Tribeca | $124 |
| Subaru Outback | $124 |
| GMC Terrain | $124 |
| Nissan Pathfinder | $124 |
| BMW X3 | $124 |
| Subaru Forester | $125 |
| Infiniti EX | $125 |
| Hyundai Tuscon | $125 |
Nissan Pathfinder Insurance Costs by Model Year
Next, we'll break down several model years of the Nissan Pathfinder and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2026 Nissan Pathfinder* | $3,055 |
| 2025 Nissan Pathfinder | $1,226 |
| 2024 Nissan Pathfinder | $2,496 |
| 2023 Nissan Pathfinder | $935 |
| 2022 Nissan Pathfinder | $939 |
| 2021 Nissan Pathfinder | $642 |
| 2020 Nissan Pathfinder | $566 |
| 2019 Nissan Pathfinder | $727 |
| 2018 Nissan Pathfinder | $714 |
| 2017 Nissan Pathfinder | $803 |
| 2016 Nissan Pathfinder | $692 |
| 2015 Nissan Pathfinder | $866 |
| 2014 Nissan Pathfinder | $676 |
| 2013 Nissan Pathfinder | $673 |
| 2012 Nissan Pathfinder | $470 |
| 2011 Nissan Pathfinder | $587 |
| 2010 Nissan Pathfinder | $661 |
*Note: The 2026 Pathfinder's average rates are a projection based on the evaluation of inflation trends and current market data.
Cheapest Nissan Pathfinder Car Insurance Companies for 2026
Finding affordable Nissan Pathfinder insurance is easy when you know where to shop. These top-rated Nissan car insurance companies provide the cheapest model-year 2025 Pathfinder insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,754 |
| American Family | $1,812 |
| USAA | $2,105 |
| Nationwide | $2,248 |
| Erie | $2,319 |
| Allstate | $3,962 |
Nissan Pathfinder Car Insurance Rates by State
Location is one of the main factors that influences car insurance premiums. Here are some average auto insurance rates for the Nissan Pathfinder by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $70 | $131 |
| Alaska | $59 | $125 |
| Arizona | $99 | $184 |
| Arkansas | $66 | $148 |
| California | $79 | $160 |
| Colorado | $79 | $188 |
| Connecticut | $117 | $201 |
| Delaware | $119 | $200 |
| Florida | $112 | $260 |
| Georgia | $126 | $207 |
| Hawaii | $44 | $100 |
| Idaho | $45 | $92 |
| Illinois | $77 | $143 |
| Indiana | $54 | $105 |
| Iowa | $45 | $108 |
| Kansas | $59 | $136 |
| Kentucky | $104 | $176 |
| Louisiana | $165 | $355 |
| Maine | $42 | $87 |
| Maryland | $131 | $222 |
| Massachusetts | $85 | $179 |
| Michigan | $128 | $245 |
| Minnesota | $67 | $138 |
| Mississippi | $70 | $140 |
| Missouri | $95 | $189 |
| Montana | $57 | $135 |
| Nebraska | $62 | $141 |
| Nevada | $153 | $276 |
| New Hampshire | $58 | $101 |
| New Jersey | $140 | $231 |
| New Mexico | $68 | $151 |
| New York | $105 | $189 |
| North Carolina | $66 | $130 |
| North Dakota | $47 | $103 |
| Ohio | $63 | $122 |
| Oklahoma | $76 | $168 |
| Oregon | $104 | $180 |
| Pennsylvania | $70 | $164 |
| Rhode Island | $104 | $185 |
| South Carolina | $84 | $156 |
| South Dakota | $42 | $128 |
| Tennessee | $65 | $131 |
| Texas | $105 | $214 |
| Utah | $91 | $154 |
| Vermont | $36 | $85 |
| Virginia | $79 | $128 |
| Washington | $77 | $144 |
| West Virginia | $71 | $143 |
| Wisconsin | $53 | $116 |
| Wyoming | $30 | $94 |
Average Nissan Pathfinder Insurance Rates by Trim Level
Auto insurance rates for the Nissan Pathfinder are also affected by the vehicle's specific trim level. Here are some average Nissan Pathfinder insurance rates by trim level in 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| XE Sport Utility 4d | $72 | $138 |
| LE Platinum Edition Sport Utility 4d | $73 | $141 |
| SL Hybrid Sport Utility 4d | $78 | $150 |
| SL Sport Utility 4d | $78 | $150 |
| Platinum Hybrid Sport Utility 4d | $78 | $150 |
| SV Hybrid Sport Utility 4d | $78 | $150 |
| S Sport Utility 4d | $79 | $152 |
| SV Sport Utility 4d | $79 | $153 |
| SE Sport Utility 4d | $81 | $155 |
| Armada SE Sport Utility 4d | $82 | $157 |
| Silver Edition Sport Utility 4d | $82 | $159 |
| Platinum Sport Utility 4d | $83 | $161 |
| Armada SE Off-Road Sport Utility 4d | $85 | $163 |
| LE Sport Utility 4d | $86 | $165 |
| Armada LE Sport Utility 4d | $89 | $172 |
| Rock Creek Sport Utility 4d | $90 | $174 |
| S | $94 | $183 |
| SV | $101 | $196 |
| S FE+ Sport Utility 4d | $103 | $198 |
| SE Off-Road Sport Utility 4d | $105 | $202 |
| SL | $109 | $211 |
| Rock Creek | $113 | $219 |
| Platinum | $125 | $242 |
Average Nissan Pathfinder Insurance Rates by Driver Age and Profile
Other major factors that can influence car insurance premium calculations include your age, credit, and driving history. Teens and young drivers pay the highest average insurance rates for a Nissan Pathfinder. 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 Pathfinder insurance rates by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $7,477 | $10,995 | $12,913 |
| 20 | $5,744 | $8,504 | $9,954 |
| 25 | $3,390 | $4,977 | $5,792 |
| 30 | $2,656 | $3,866 | $4,526 |
| 35 | $2,469 | $3,639 | $4,292 |
| 40 | $2,346 | $3,493 | $4,086 |
| 45 | $2,350 | $3,392 | $3,955 |
| 55 | $2,149 | $3,117 | $3,664 |
| 65 | $2,208 | $3,283 | $3,798 |
| 75 | $2,786 | $4,099 | $4,773 |
Best Nissan Pathfinder Insurance Discounts: How to Lower Your Nissan Pathfinder Insurance Premiums
Want to save even more money on your Nissan Pathfinder auto insurance? Just try any of these easy strategies to possibly increase your savings today:
- Ask about Nissan Pathfinder 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 Pathfinder 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 Pathfinder insurance from a trusted carrier near you.
Your independent insurance agent can help you find the biggest Nissan Pathfinder car insurance discounts. They can also recommend even more ways you can reduce your premiums further.
An Independent Insurance Agent Can Help You Get the Best Nissan Pathfinder Insurance Quotes
When it's time to find the most affordable Nissan Pathfinder 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 Pathfinder insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down 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 Pathfinder Insurance
How much does Nissan Pathfinder insurance cost per year?
The average annual cost of full coverage for a Nissan Pathfinder is $1,962 per year, or approximately $164 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 Pathfinder insurance premiums?
Having traffic violations or accidents on your record, living in a high-theft rate area, having poor credit, or prior claims can all increase the cost of Nissan Pathfinder auto insurance.
Is the Nissan Pathfinder expensive to insure?
No, the Nissan Pathfinder isn't expensive to insure when compared to other vehicles, including other Nissan models.
What are the best and cheapest carriers for Nissan Pathfinder insurance in 2026?
We found that Progressive, American Family, and USAA are the best and cheapest car insurance companies for model-year 2025 Nissan Pathfinder insurance this year.
Is insurance cheaper for the Nissan Pathfinder than for other Nissans?
Yes, the Nissan Pathfinder's average monthly car insurance rate of $164 is significantly lower than the $182 average for other Nissan vehicles.
How can I get cheaper Nissan Pathfinder insurance?
Finding cheaper Nissan Pathfinder 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-pathfinder-insurance/
https://www.insuranceopedia.com/auto-insurance/nissan-pathfinder-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/nissan/pathfinder/