Your Nissan Pathfinder’s model year affects insurance costs, with monthly premiums ranging from $212 for 2025 models down to $50 for older vehicles. Newer Pathfinders usually cost more to insure due to their higher market values before depreciation lowers replacement costs.
Nissan Pathfinder Insurance Cost
Updated: January 22, 2026
Key Takeaways
Costs vary widely by model year and insurer, but Nissan Pathfinder insurance averages about $164 per month for full coverage. GEICO usually offers the most affordable rates for Pathfinder owners. Read more.
The Pathfinder ranks 66th out of 256 SUVs for insurance affordability, placing it in the middle tier among SUVs. However, SUVs generally cost more to insure due to higher repair costs and increased liability risks. Read more.
For the most accurate rates, check costs specific to your Pathfinder's model year, especially if you're insuring a teen driver on your policy. Read MoneyGeek's analysis of rates by company for specific Pathfinder model years depending on the age of the drivers.
How Much Is Nissan Pathfinder Insurance?
Looking for another Nissan model? Read more about the cost of Nissan car insurance models.
Costs vary by model year and company. Nissan Pathfinder minimum coverage ranges from $58 monthly with GEICO to $147 with UAIC, while full coverage spans $126 with GEICO to much higher rates with other insurers.
These cost differences (exceeding $89 for minimum coverage and $164 for full coverage) demonstrate why Pathfinder owners need to shop around. Insurance companies calculate risk differently for each model, which directly impacts your final quote.
| AAA | $95 | $195 |
| AIG | $118 | $290 |
| Allstate | $108 | $208 |
| Amica | $102 | $207 |
| Chubb | $111 | $218 |
| Farmers | $123 | $216 |
| Geico | $58 | $126 |
| Kemper | $86 | $172 |
| Nationwide | $97 | $167 |
| Progressive | $88 | $164 |
| State Farm | $75 | $155 |
| The Hartford | $89 | $152 |
| Travelers | $76 | $140 |
| UAIC | $147 | $183 |
Is Nissan Pathfinder Expensive to Insure?
SUVs are expensive to insure, but MoneyGeek's comparison of 256 SUVs shows the Nissan Pathfinder ranking 66th for affordability. That means 65 SUVs cost less to insure, positioning it a few dollars per month more expensive than a GMC Terrain and slightly cheaper than a BMW X3.Â
This middle-tier ranking among SUVs tells only part of the affordability story. The Pathfinder's 272nd place out of 827 total vehicles puts it in the top half for affordability across all car types. While it's reasonably priced compared to other SUVs like the priciest Audi SQ8 e-tron, it costs more than the cheapest option, the Isuzu Amigo.
| Subaru Tribeca | $124 | 63 |
| Subaru Outback | $124 | 64 |
| GMC Terrain | $124 | 65 |
| Nissan Pathfinder | $124 | 66 |
| BMW X3 | $124 | 67 |
| Subaru Forester | $125 | 68 |
| Infiniti EX | $125 | 69 |
| Hyundai Tuscon | $125 | 69 |
Several factors affect what you'll pay for Nissan Pathfinder insurance:
- Average Repair or Replacement Costs: With annual repair costs averaging $817, the Pathfinder ranks as Nissan's 16th most affordable model to maintain out of 26. This relatively low maintenance expense helps keep insurance premiums more reasonable.
- Vehicle Trim, Features and Accessories: The Pathfinder's horsepower ranges from 284 to 295 depending on the trim level you choose. Higher-performance trims cost more to insure since greater power usually leads to higher insurance premiums.
- Driver Profile: Most Pathfinder drivers fall between 35 to 50 years old with a median age around 42, which usually results in lower rates due to responsible driving habits. However, the vehicle's performance reputation attracts risk-taking behaviors that concern insurers. Read more about the costs of Nissan Pathfinders for young drivers.
Nissan Pathfinder Insurance Cost by State
Car insurance for a Nissan Pathfinder costs as little as $30 per month in Wyoming or as much as $165 in Louisiana for minimum coverage. Your state's risk factors and insurance regulations create these differences, not the vehicle itself.
| 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 |
Nissan Pathfinder Costs by Model Year and Insurance Company
The gap between insuring newer versus older Nissan Pathfinder models can hit your wallet hard. A 35- to 55-year-old driver pays $239 monthly for full coverage on a 2025 Pathfinder compared to just $171 for a 2015 model. Young drivers in their teens and early 20s pay much steeper rates across all model years.
Shopping around becomes essential when you're looking at these costs. GEICO consistently offers the cheapest rates across all Pathfinder model years and could save you hundreds monthly versus average pricing.
Recent model years:
Older models (2016 to 2020):
Cost of Car Insurance for 2025 Nissan Pathfinder
| Geico | $73 | $158 |
| National General | $88 | $180 |
| Travelers | $96 | $177 |
| State Farm | $102 | $212 |
| Progressive | $106 | $199 |
| Kemper | $109 | $220 |
| Nationwide | $114 | $197 |
| The Hartford | $119 | $202 |
| AAA | $124 | $258 |
| Allstate | $130 | $251 |
| Amica | $134 | $274 |
| AIG | $162 | $412 |
| Chubb | $168 | $333 |
| Farmers | $171 | $303 |
| UAIC | $172 | $216 |
Cost of Car Insurance for 2024 Nissan Pathfinder
| Geico | $72 | $156 |
| National General | $87 | $178 |
| Travelers | $95 | $175 |
| State Farm | $101 | $210 |
| Progressive | $105 | $197 |
| Kemper | $108 | $217 |
| Nationwide | $113 | $195 |
| The Hartford | $117 | $200 |
| AAA | $123 | $255 |
| Allstate | $128 | $248 |
| Amica | $132 | $271 |
| AIG | $160 | $407 |
| Chubb | $166 | $329 |
| Farmers | $169 | $299 |
| UAIC | $170 | $214 |
Cost of Car Insurance for 2023 Nissan Pathfinder
| Geico | $57 | $123 |
| National General | $69 | $141 |
| Travelers | $75 | $138 |
| State Farm | $80 | $165 |
| Progressive | $83 | $155 |
| Kemper | $85 | $172 |
| Nationwide | $89 | $154 |
| The Hartford | $92 | $158 |
| AAA | $97 | $201 |
| Allstate | $101 | $196 |
| Amica | $104 | $214 |
| AIG | $126 | $321 |
| Chubb | $131 | $260 |
| Farmers | $133 | $236 |
| UAIC | $134 | $169 |
Cost of Car Insurance for 2022 Nissan Pathfinder
| Geico | $53 | $116 |
| National General | $64 | $132 |
| Travelers | $70 | $130 |
| State Farm | $75 | $155 |
| Progressive | $78 | $146 |
| Kemper | $80 | $161 |
| Nationwide | $84 | $144 |
| The Hartford | $87 | $148 |
| AAA | $91 | $189 |
| Allstate | $95 | $183 |
| Amica | $98 | $200 |
| AIG | $118 | $301 |
| Chubb | $123 | $244 |
| Farmers | $125 | $221 |
| UAIC | $125 | $158 |
Cost of Car Insurance for 2020 Nissan Pathfinder
| Geico | $33 | $72 |
| National General | $40 | $83 |
| Travelers | $44 | $81 |
| State Farm | $47 | $97 |
| Progressive | $49 | $91 |
| Kemper | $50 | $101 |
| Nationwide | $52 | $90 |
| The Hartford | $54 | $92 |
| AAA | $57 | $118 |
| Allstate | $59 | $115 |
| Amica | $61 | $125 |
| AIG | $74 | $188 |
| Chubb | $77 | $153 |
| Farmers | $78 | $139 |
| UAIC | $79 | $99 |
Cost of Car Insurance for 2019 Nissan Pathfinder
| Geico | $60 | $130 |
| National General | $70 | $143 |
| Travelers | $79 | $145 |
| State Farm | $84 | $173 |
| Progressive | $86 | $161 |
| Kemper | $91 | $182 |
| AAA | $102 | $211 |
| Nationwide | $103 | $178 |
| Allstate | $105 | $202 |
| The Hartford | $106 | $180 |
| Amica | $109 | $224 |
| Farmers | $132 | $234 |
| AIG | $134 | $339 |
| Chubb | $135 | $265 |
| UAIC | $149 | $187 |
Cost of Car Insurance for 2018 Nissan Pathfinder
| Geico | $55 | $119 |
| National General | $61 | $125 |
| Travelers | $71 | $131 |
| State Farm | $72 | $150 |
| Progressive | $81 | $151 |
| Kemper | $84 | $170 |
| AAA | $90 | $187 |
| The Hartford | $92 | $157 |
| Nationwide | $94 | $162 |
| Amica | $96 | $197 |
| Allstate | $97 | $186 |
| Farmers | $113 | $200 |
| Chubb | $114 | $224 |
| AIG | $117 | $291 |
| UAIC | $136 | $170 |
Cost of Car Insurance for 2017 Nissan Pathfinder
| Geico | $56 | $121 |
| National General | $59 | $121 |
| Travelers | $69 | $126 |
| State Farm | $70 | $146 |
| Kemper | $74 | $150 |
| The Hartford | $84 | $143 |
| Nationwide | $85 | $146 |
| AAA | $87 | $180 |
| Progressive | $87 | $162 |
| Amica | $95 | $193 |
| Chubb | $98 | $192 |
| Allstate | $101 | $195 |
| AIG | $103 | $249 |
| Farmers | $111 | $195 |
| UAIC | $133 | $164 |
Cost of Car Insurance for 2016 Nissan Pathfinder
| Geico | $55 | $119 |
| National General | $61 | $125 |
| Travelers | $72 | $133 |
| State Farm | $77 | $160 |
| Kemper | $79 | $161 |
| Progressive | $82 | $154 |
| The Hartford | $84 | $144 |
| AAA | $88 | $182 |
| Nationwide | $91 | $157 |
| Amica | $97 | $199 |
| Chubb | $103 | $202 |
| Allstate | $105 | $202 |
| AIG | $108 | $262 |
| Farmers | $117 | $205 |
| UAIC | $135 | $168 |
Nissan Pathfinder Insurance Cost by Trim
Insurance costs for your Nissan Pathfinder range from $72 monthly for minimum coverage on basic Xe Sport Utility 4d models to $242 for full coverage on Platinum variants. Performance features, rarity, and market value determine where each trim falls in this range.
| 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 |
How to Lower the Cost of Nissan Pathfinder Insurance
Here are proven strategies to help you secure affordable Nissan Pathfinder insurance:
- 1Choose the Right Coverage
You'll need to figure out how much coverage to buy for your Nissan Pathfinder. Own your vehicle? Get state minimum liability plus comprehensive and collision with a $1,000 deductible to lower premiums. Want enhanced protection? Consider 100/300/100 liability with comprehensive and collision at a $500 deductible. Financing or leasing requires 100/300/100 liability limits, comprehensive and collision with $500 deductible, plus gap insurance.
- 2Research Costs and Cheap Companies
Learn what you should pay by reviewing average auto insurance costs for SUVs in your area. This benchmark assists with finding the cheapest car insurance companies offering competitive rates for your Pathfinder.
- 3Look for More than Just Low Rates
Finding quality car insurance means evaluating insurers beyond their quotes. Check J.D. Power satisfaction ratings, examine forum feedback on claims processing, review Better Business Bureau complaints and confirm AM Best financial stability. Budget options could provide limited coverage or slower service when you need help most.
- 4Explore Discounts You Qualify For
Discover car insurance discounts offered to your situation. Nissan Pathfinder owners often qualify for safety features discounts, multi-vehicle savings, bundling discounts and good driver rewards. These reductions can lower your annual premium costs.
- 5Consider Alternative Car Insurance Types
Pathfinder owners might benefit from usage-based insurance options like Progressive Snapshot or Allstate Drivewise. These programs track safe driving habits and deliver premium reductions based on your actual driving behavior rather than general statistics.
- 6Check Rates Every Year
Get car insurance quotes from multiple companies annually. Your insurer doesn't notify you when competitors lower prices, so yearly comparisons could save up to 24% on your Nissan Pathfinder insurance. Set a calendar reminder to shop around each renewal period.
Nissan Pathfinder Insurance Cost: Bottom Line
Nissan Pathfinder insurance costs less than average, making it an affordable choice for drivers. You'll get even better rates by comparing quotes from multiple insurers and maximizing available discounts.
Nissan Pathfinder Insurance Rates: FAQ
What is the average cost of car insurance for a Nissan Pathfinder?
Nissan Pathfinder insurance costs $1,016 annually for state minimum coverage and $1,962 for full coverage. Monthly premiums average $85 for minimum coverage and $163 for comprehensive protection.
What company has the cheapest car insurance for a Nissan Pathfinder?
Geico provides the most affordable minimum coverage for a Nissan Pathfinder at $699 annually. The company also offers the best value for full coverage at $1,510 per year.
Are Nissan Pathfinders expensive to insure?
No, Nissan Pathfinder insurance is not expensive compared to most vehicles. The Pathfinder ranks 272nd out of 827 vehicles for affordability, placing it in the more affordable half for insurance costs overall.
What factors affect insurance costs for Nissan Pathfinders?
Various elements affect your Nissan Pathfinder insurance costs. Advanced technology features increase repair expenses, while strong safety ratings help reduce premiums. Moderate theft rates compared to similar SUVs keep costs reasonable. Your driving record, credit score and coverage selections influence your final rate.
How can I lower Nissan Pathfinder insurance costs?
Compare quotes from multiple insurers since Pathfinder costs differ between companies, and explore usage-based programs that monitor your driving behavior. Claim available discounts, bundle policies with the same carrier and maintain a clean driving record to get better rates.
How We Determined Nissan Pathfinder Insurance Costs
We analyzed hundreds of millions of quote estimates for U.S. vehicle models from 2000 to 2025 to provide the most accurate Nissan Pathfinder insurance costs.
Who We Based These Rates On
These Nissan Pathfinder rates reflect what an average driver pays:
- Age 40, unmarried male
- Clean record: no tickets or crashes
- Credit score in a good range
- Has never made an insurance claim
- Puts about 12,000 miles on the odometer yearly
- Has a valid driver's license with no suspensions on record
Coverage Definitions
- Minimum coverage: State-required liability limits
- Full coverage: 100/300/100 liability + comprehensive/collision with $1,000 deductibles
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. He has analyzed the insurance market for over five years, conducting original research for insurance shoppers. His insights have been featured in CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.