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
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.
GEICO charges $58 a month for Nissan Pathfinder minimum coverage; UAIC charges $147. Full coverage starts at $126 with GEICO.
There's an $89 gap on minimum coverage and a $164 gap on full coverage, so get at least three quotes to find your lowest rate.
| 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?
The Nissan Pathfinder ranks 66th for affordability among 256 SUVs in MoneyGeek's database. It costs a few dollars more a month than a GMC Terrain and a few dollars less than a BMW X3.
Across all 827 models in the database, the Pathfinder ranks 272nd, so it's in the top half for overall affordability. The Isuzu Amigo is the cheapest SUV to insure, and the Audi SQ8 e-tron is the most expensive.
| 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 costs. The Nissan Pathfinder averages $817 a year in repair costs, 16th lowest among Nissan's 26 models. That mid-range figure keeps premiums in line with comparable three-row SUVs.
- Trim, features and accessories. The Pathfinder's power output ranges from 284 to 295 horsepower depending on trim, which is a narrow range. Higher-output trims still carry more expensive parts and a higher accident risk profile, both of which push premiums up.
- Driver profile. Pathfinder drivers tend to fall between ages 35 and 50, with a median around 42, which is a bracket insurers treat as lower risk. Younger drivers pay more regardless of the vehicle. 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
These steps cut Nissan Pathfinder insurance costs without trading away the coverage you need.
- 1Choose the right coverage
Coverage needs depend on how you own the Pathfinder. Paid off: state minimum liability plus comprehensive and collision at a $1,000 deductible is the baseline. Financed or leased: lenders require 100/300/100 liability limits, comprehensive and collision at a $500 deductible and gap insurance. If you own outright and want higher liability limits, 100/300/100 with a $500 deductible is the step up.
- 2Know what you should be paying
Average auto insurance costs for SUVs give you a baseline before you start getting quotes. Without that reference point, an above-market quote looks normal. Our data on the cheapest car insurance companies shows which carriers price low for Pathfinder drivers specifically.
- 3Check insurer quality, not just price
A low quote from an insurer with poor claims handling isn't a deal. Before committing, check J.D. Power satisfaction ratings, AM Best financial stability scores and BBB complaint records. Forum feedback on claims processing surfaces problems that don't appear in formal ratings. Our guide to the best car insurance companies covers all of those factors together.
- 4Find every discount you qualify for
Nissan Pathfinder owners commonly qualify for safety feature discounts, multi-vehicle savings, bundling discounts and good driver credits. Our full list of car insurance discounts shows what's available and which ones stack.
- 5Consider usage-based insurance
Progressive Snapshot and Allstate Drivewise monitor speed, braking and mileage, then price the policy on actual driving behavior. Pathfinder drivers who keep mileage low and drive conservatively tend to come out ahead on these programs.
- 6Pull quotes once a year
Insurers don't flag when competitors drop their rates. Comparing quotes at each renewal catches pricing shifts before they compound.
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?
Driving record, credit score and coverage level are the primary variables. On the vehicle side, the Pathfinder's $817 average annual repair cost is mid-range for a three-row SUV. Strong safety ratings and moderate theft rates partially offset the parts cost.
How can I lower Nissan Pathfinder insurance costs?
Start with quotes from at least three insurers because there's a $164 full coverage difference among providers. Stack every discount you qualify for: good driver, multi-vehicle and bundling home and auto are the highest-value options. Usage-based programs like Progressive Snapshot cut costs further for lower-mileage drivers with clean habits.
How We Determined Nissan Pathfinder Insurance Costs
Nissan Pathfinder cost estimates are drawn from hundreds of millions of quote estimates for U.S. models sold from 2000 to 2025. Data are from Quadrant Information Services. Rates reflect a 40-year-old unmarried male driver with a clean record, no prior claims, a good credit score, a valid license with no suspensions and 12,000 miles driven annually.
Coverage definitions. Minimum coverage reflects state-required liability limits. Full coverage is 100/300/100 liability plus comprehensive and collision with $1,000 deductibles.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty (P&C) Insurance Producer in Connecticut, is MoneyGeek's resident insurance expert. He has spent nearly a decade analyzing the market, first at LendingTree and now at MoneyGeek, where he has produced original research on hundreds of carriers and millions of rates across auto, home, renters, health and life insurance.
He covers economics and insurance at MoneyGeek, and his work has been featured in The Washington Post, The New York Times and NPR, among other outlets.
Like all MoneyGeek analysts, he draws on independent cost and consumer experience data. No insurance company partnership influences his recommendations.
Fitzpatrick earned his degrees from Johns Hopkins University (M.A. Economics and International Relations) and Boston College (B.A.). He began his career in financial risk management at State Street. He's also a five-time “Jeopardy!” champion.