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Car Insurance Quotes for a Nissan Pathfinder

Are You Getting the Cheapest Car Insurance Available for a Nissan Pathfinder?

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How Much is Car Insurance for Nissan Pathfinder?

The average annual premium for a Nissan Pathfinder is $1,712 for full coverage.

Although most states don’t require a full coverage policy (liability with third party benefits), we highly recommend a car insurance policy with liability, collision, and comprehensive.

Freeway Insurance is ready to help you find the right policy with an affordable premium. We will be more than glad to go over several options with you in line with your needs and budget.

Getting a Free Auto Insurance quote with Freeway is easy!

Comparing Insurance Costs for Nissan Pathfinder to Other Vehicles

There are many reasons why Nissan Pathfinder drivers pay different premiums than drivers of comparable makes and models like the Mazda CX5, Hyundai Tucson, Ford Explorer, and Subaru Forester. Three reasons include one model having more extensive recall records, higher pricing, and safety ratings than others.

Make/Model Annual Full Coverage Insurance
Nissan Pathfinder $1,712
Chevrolet Traverse $1,444
Honda Passport $1,224
Hyundai Santa Fe $1,520
Jeep Grand Cherokee $1,531

Types of Car Insurance Coverage for a Pathfinder

Freeway Insurance has several auto policies available, including state minimum liability and full coverage.

These are the two main types of coverage, with the main difference being that one (state minimum liability) offers third-party benefits only, whereas full coverage provides a mix of third-party and first-party benefits like collision and comprehensive up to specified liability limits.

Full Coverage

A full coverage policy includes protection against collisions, non-accident-related damages, and any applicable lease/lender requirements.

By adding collision insurance, insurance companies pay for the cost of repair or replacement of your vehicle due to vehicle-to-vehicle, vehicle-to-object, and rollover collisions up to specified limits. For example, if your collision coverage limit is $50,000, then insurance companies will pay up to $50,000 worth of damages, minus your deductible.

Non-accident-related damages are covered by the third part of a full coverage policy comprehensive insurance, which covers damage or loss caused by non-collision events like theft, vandalism, falling tree limbs, and natural disasters.

Lastly, full coverage may be required by your leasing or finance company since they technically own the vehicle. Think of it as a way to better preserve their investment.

State Minimum Liability

All drivers must have minimum liability insurance as required by their state.

State minimum liability consists of third-party benefits with bodily injury and property damage liability. Bodily injury pays for medical bills, rehabilitation, and hospital stays for third parties affected in an at-fault accident you are responsible for. In turn, property damage liability pays for fixing third-party vehicles and/or property up to specified limits mandated by each state.

For example, Louisiana requires that you carry a 15/30/25 policy, or $15,000 in bodily injury liability per person, $30,000 in bodily injury liability per accident, and 25,000 in property damage liability per accident.

2023 Nissan Pathfinder

Individual Factors that Influence Pricing for the Pathfinder

Auto insurance pricing varies from driver to driver, thanks to driving record, location, annual mileage, deductible/coverage options, and much more.

Expect to pay higher premiums if you have a spotty driving record with multiple traffic violations, claims, and at-fault accidents, thanks to your reclassification as a higher-risk driver by insurance companies. Additionally, location plays a major role, as higher population and high crime rate areas equal higher rates than rural or suburban areas.

As for annual mileage, insurance companies prefer that you drive less than the average yearly mileage. The more miles you drive, the higher the likelihood of an accident.

Lastly, remember your deductible and coverage options. If opting for a higher deductible, know that you have a higher degree of financial responsibility, which passes on savings to you on your premium. Likewise, with coverage limits. The higher your liability limits, the higher your premiums.

How Does a DUI Affect Insurance Rates for a Nissan Pathfinder?

Any driver convicted of a DUI will face serious consequences, including a suspended driver’s license/registration, fines, administrative fees, and possible jail time, depending on the severity of the offense.

Furthermore, your premiums will assuredly double or triple in some cases, depending on the severity of the offense. In addition, you may be required to file an SR-22, a certificate of financial responsibility that lets the state know you are carrying the necessary liability insurance coverage. Note that SR-22 requirements vary by state but are obtained and filed through your insurance provider.

SR-22 filings are not limited to DUI convictions. Other traffic violations requiring them include being pulled over at a traffic stop while uninsured and multiple traffic violations within a specified period.

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What Are Some Car Insurance Discounts for a Nissan Pathfinder?

Fortunately, Nissan Pathfinder drivers can qualify for no shortage of auto insurance discounts.

Two of the most popular types of discounts are “Good Driver” and multi-policy discounts. Also referred to as safe driver discounts, they are awarded to drivers who maintain a clean driving record for the past three to five years. This means no at-fault accidents, claims, or traffic violations. Multi-policy discounts reward policyholders for purchasing two or more policies under one insurer (e.g., auto and life insurance), with savings on each one.

Other discounts available include but are not limited to safety features and low mileage discounts:

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With safety feature discounts, expect a small cut off your monthly premium and exchange for installing specific safety features like electronic stability control, daytime running lights, anti-theft devices, and anti-lock brakes.

Low Mileage Insurance Discount

If you drive less than 7,500 miles a year, expect to be offered a low mileage discount, with tiered discounts available if driving less than 10,000 miles and 15,000 miles a year.

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Expect a paid-in-full discount for forgoing monthly payments and paying your entire annual premium in one shot

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Enjoy a defensive driving discount for completing a state-approved defensive driving course. You do not need to have been recently convicted of a DUI or other traffic violations to take this course!

Keep in mind that discount availability depends on the insurance provider.

What Are Some of the Characteristics Of the Pathfinder?

This is a vehicle in the midsize SUV segment.

It comes in five trims: SV, SL, Rock Creek, and Platinum, and the choice of two engines, nine-speed automatic transmission, and front or four-wheel 284-horsepower V6 and 295-horsepower V6 engine.

Standard features include an 8-inch touch screen, second-row bench seat USB ports, tri-zone automatic climate control, and keyless entry.

Upgrading to the highest-level trim, Platinum, adds a 12.3-inch digital gauge cluster, rain-sensing windshield wipers, and a head-up display.

Main competitors are the Chevrolet Traverse, Honda Passport, Hyundai Santa Fe, and Jeep Grand Cherokee.

Find the Best Car Insurance Rates Online for the Nissan Pathfinder Today

If you’re ready to start shopping around for a new auto insurance policy and own a Nissan Pathfinder, then Freeway Insurance is prepared to help you.

Getting started with Freeway Insurance is very easy. To request a quote, call 800-777-5620, visit us online, or stop by one of our offices for a no-obligation consultation with one of our agents. Get in touch with us today!

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