A Nissan Maxima is more expensive to insure than the average car.
Full coverage for a Maxima typically comes in at about $202 a month, while liability only auto insurance rates tend to be around $95.
Hugo provides the lowest average premiums for a Maxima with liability only coverage offered for sometimes as low as $31 per month.
In This Article
With new 2021 models starting at $36,990, the Nissan Maxima is a great car for all budgets. With three different trim levels currently offered, you'll be sure to find an option to fit your style.
Based on reviewing thousands of insurance quotes from Compare.com, we've determined that, on average, Nissan Maxima car insurance prices run about $206 monthly. But compared to other vehicles in the market, are Maxima auto insurance rates higher or lower than those of similar cars?
|Current Base Price||$36,990|
|Trim Levels||SR, PLATINUM, SV|
|Average Insurance Premium||$206/mo.|
|Cheapest Insurance Company||Hugo|
How Much is Car Insurance for a Nissan Maxima?
|Vehicle||Liability Only||Full Coverage|
|All Nissan Models||$91||$180|
|Average Insurance Premium||$81||$169|
Looking at the table above, you'll find that Nissan Maxima insurance prices are more expensive than average. Maxima drivers can expect to pay around $202 per month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $95 a month for liability only insurance (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).
Comparing it to other models, the Maxima is more expensive, with premiums more than 10% higher than the other vehicle types offered by Nissan. Likewise, compared to other vehicles of a similar body style, Maxima coverage is higher than average, with both full coverage and liability only insurance averaging more expensive prices than other cars.
When compared to all vehicles, regardless of make, model, or body style, the Maxima follows a similar pattern of having above average car insurance rates.
Who has the Cheapest Car Insurance for a Nissan Maxima?
|Insurance Company||Average Monthly Premium|
Shopping around for a car insurance policy for your Nissan Maxima? You may be wondering which carrier offers the lowest rates. While premiums can fluctuate quite significantly from person to person, the most affordable average rates for liability only insurance are as low as $25 monthly from Ohio Mutual. The next cheapest company is Hugo, who offers auto insurance sometimes as little as $31 per month.
MetroMile, Fiesta, and NationalGeneral finish off the rest of the top 5. But just because these five companies offer the lowest average rates doesn't necessarily mean they'll be the cheapest carriers for you and your unique insurance profile.
Insurance companies use lots of different factors and complex formulas to calculate premiums. By checking quotes from quite a few insurance carriers at once, you can rest easy knowing that you're finding the most affordable rate.
What Factors Affect Car Insurance Rates for a Nissan Maxima?
There are a variety of factors that car insurance companies examine to choose how much they charge for insurance -- and every carrier uses a different algorithm, so there's not a single company that's the lowest for each driver.
The following sections show a lot of variables auto insurance carriers use to calculate rates:
|Vehicle Age||Average Monthly Premium|
|Less than 1 Year||$83|
|15 Years or Older||$89|
The Nissan Maxima has been around for a while -- that means vehicle age can play a role in what you end up paying for insurance. Normally, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and Maximas begin to depreciate, insurance costs will gradually go down.
According to the table above, the Nissan Maxima is an outlier, as the cheapest models to insure are those that are 1 year old or less, while on average, the most expensive Maximas are 4 to 5 years old.
|Age||Average Monthly Premium|
|65 or Older||$72|
Your age is another variable that makes a big difference in how much you pay for auto insurance. As you can see above, drivers with more experience have less expensive prices than the youngest drivers. Nissan Maxima drivers under 18 actually pay $90 more than those 25 or older.
Car insurance prices continue to go lower as you get older, with the cheapest age group for Maxima drivers being 55-64.
|Gender||Average Monthly Premium|
Because women are less likely to get tickets and get into accidents, they run a lower risk of filing a claim with insurance. The Nissan Maxima follows this convention, and men pay about $18 more than women a month for car insurance.
Where You Live
|State||Average Monthly Premium|
You were probably already aware that things such as how old you are and what vehicle you drive play a role in your auto insurance premiums, but did you know that where you live can be equally important? Insurance is regulated on a state-by-state basis, so rates can differ quite a bit depending on what state you live in.
For example, the average Nissan Maxima owner from New York pays around $249 per month for liability coverage, while on average, the same driver in California will pay only 25% of that price. The chart shows average prices for the 10 largest states by population, just to give you a good idea of how much premiums can change from state to state.
Nissan Maxima Car Insurance Discounts
Whatever how old you are, what state you call home, or which car you drive, it's always in your best interest to take advantage of as many car insurance discounts as possible.
Even though all insurance companies offer their own unique discounts, there are a few that you'll find with most insurers. These include discounts like:
- Multi-policy discounts for bundling your home and auto policies with the same carrier
- Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
- Pay-in-full discounts for choosing to pay your entire policy price up front, rather than by monthly payments
- Multi-car discounts for adding more than one vehicle to your auto policy
While taking advantage of discounts is always a smart way to save money on your car insurance, sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like not having recent insurance claims, avoiding lapses in coverage, and driving safely.
Although you can't control every single aspect of your insurance profile (like some of the pieces we mentioned above), there is quite a bit that you do have control over. Below are just a few of the variables you can use in your favor when it comes to saving cash:
Your Driving Record
|Infractions||Average Monthly Premium|
It's no secret that auto insurance carriers offer the cheapest rates to drivers with clean records. And you probably wouldn't be surprised that if you get cited for speeding or get into an accident, car insurance premiums will get higher. But exactly how much will these infractions cost you?
Based on the table above, accidents will usually cost Maxima drivers more than tickets, but both will result in higher than average rates. Nissan Maxima drivers with one ticket will pay an average of $103 a month, while drivers with a single accident on their record pay about $118 every month (up $23 from the $95/mo. overall average). The rates only go up the more tickets you get or collisions you have.
How Much You Drive
|Annual Mileage||Average Monthly Premium|
How much you drive each year plays a role in your auto insurance rates. Those who are on the roads less often have fewer opportunities to get into an accident, so they'll generally end up spending less on insurance. Above, you can see that Nissan Maxima owners who drive fewer than 2,500 miles per year pay an average of $86 monthly for auto insurance, while those who put 10,000 miles or more on their cars pay $90.
But if you drive less often than the average driver or work from home, you might consider getting a usage-based or pay-per-mile insurance policy. With these kinds of plans, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.
How Do Nissan Maximas Compare to Other Vehicles?
If you're considering making a Nissan Maxima your next car, it might be helpful to do your research. Auto insurance is just one cost that's associated with a new car purchase, but it's definitely one that's worth considering.
Check out the table below to see how the Nissan Maxima stacks up:
|Nissan Maxima||National Average|
|Full Coverage Insurance||$140||$169|
|Average Annual Mileage||11,704||11,660|
Overall, the Nissan Maxima has an MSRP that's in line with the going rate for a new vehicle. The average vehicle price in the U.S. is $46,179, and the Maxima comes in close to that at $36,990.
Although the Maxima has a pretty average price, car insurance prices are cheaper when compared to the rest of the vehicle market. Full coverage insurance for a Nissan Maxima is about $29 a month cheaper than average, while liability only coverage is more than $30 less per month.
When it comes to usage, Nissan Maxima owners drive about the same amount annually as the national average, with 11,660 miles a year for all vehicles compared to the Maxima's 11,704 each year.
Nissan Maxima Car Insurance Costs by Model Year
You've seen how different things can have an impact on how much the average driver pays to insure a Nissan Maxima. If you're thinking about buying a new vehicle and the Maxima is one you're considering, knowing how much your vehicle will likely cost can be extremely helpful as you weigh your options.
So we've done the heavy lifting and analyzed Nissan Maxima insurance premiums by model year. Simply find the model year you want in the dropdown to see average rates for both full coverage and liability only options, as well as some other helpful info, like which trim levels are offered, who offers the most affordable policies, and the base MSRP for each year the Maxima has been around.
2021 Nissan Maxima Car Insurance
|Liability Only Avg. Premium||$48|
|Full Coverage Avg. Premium||$140|
|Cheapest Insurance Company||DirectGeneral - $45/mo.|
|Available Trims||PLATINUM, SR, SV|
As we saw above, the Nissan Maxima is a great budget option for someone looking to buy a brand new car.
When it comes to auto insurance, on average, it costs around $48 monthly to insure a 2021 Nissan Maxima for liability only and $140 a month for full coverage. And if you want the cheapest insurance possible, DirectGeneral offers liability only policies for as little as just $45 monthly.
Although it helps to know the average price drivers pay to insure a 2021 Maxima, the only way to find out exactly what you'll pay is to get a personalized quote. With Compare.com, you can gather lots of quotes at once, all for free. Just enter your ZIP code below to get started.
2020 Nissan Maxima Car Insurance
|Liability Only Avg. Premium||$104|
|Full Coverage Avg. Premium||$239|
|Cheapest Insurance Company||Safeco - $22/mo.|
|Available Trims||PLATINUM, S, SL, SR, SV|
If you're in the market for a 2020 Maxima or already own one, you're most likely looking at an average car insurance rate of about $239 for full coverage or $104 for a liability only policy.
And if you're just looking for the lowest insurance for your Maxima, Safeco offers liability only policies for as low as just $22 a month.
If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.
2019 Nissan Maxima Car Insurance
|Liability Only Avg. Premium||$71|
|Full Coverage Avg. Premium||$225|
|Cheapest Insurance Company||AnswerFinancial - $25/mo.|
On average, drivers who own a 2019 Maxima can expect to pay $71 to $225 per month for liability only and full coverage car insurance, respectively.
With prices as cheap as just $25 a month, AnswerFinancial offered the most affordable policy we found for the 2019 Nissan Maxima.
If you're looking for a more exact figure on what you should pay for auto insurance for a 2019 Nissan Maxima, you can get free quotes in minutes by just entering your ZIP code below.
2018 Nissan Maxima Car Insurance
|Liability Only Avg. Premium||$96|
|Full Coverage Avg. Premium||$234|
|Cheapest Insurance Company||Hugo - $20/mo.|
|Available Trims||3.5S/3.5SV/3.5SL/3.5 SR/3.5 PLATINUM|
It costs around $96 per month for liability or $234 for a full coverage policy for the 2018 Nissan Maxima.
Hugo has rates as cheap as $20 monthly for the 2018 Nissan Maxima.
Want to find the cheapest rates? Just enter your ZIP code below to get a variety of personalized quotes for free.
2017 Nissan Maxima Car Insurance
|Liability Only Avg. Premium||$113|
|Full Coverage Avg. Premium||$231|
|Cheapest Insurance Company||Hugo - $18/mo.|
|Available Trims||3.5S/3.5SV/3.5SL/3.5 SR/3.5 PLATINUM|
You can expect full coverage for a 2017 Maxima to run about $231 per month, while liability only coverage will average around $113 monthly.
Hugo offered the lowest policy we found, with rates sometimes as cheap as $18 a month.
If you want to know exactly how much you can expect to pay for your Maxima, just enter your ZIP code below and get several free quotes in minutes.
2016 Nissan Maxima Car Insurance
|Liability Only Avg. Premium||$118|
|Full Coverage Avg. Premium||$221|
|Cheapest Insurance Company||Safeco - $19/mo.|
|Available Trims||3.5S/3.5SV/3.5SL/3.5 SR/3.5 PLATINUM|
The average cost to insure a 2016 Nissan Maxima with liability only coverage is $118 per month, while full coverage runs about $221 a month.
If you're looking for the cheapest possible 2016 Nissan Maxima insurance policy, Safeco offered the cheapest policy we found, with rates as little as $19 monthly.
Want to know just how much you'll pay? Enter your ZIP code below to get several personalized quotes for free.
2014 Nissan Maxima Car Insurance
|Liability Only Avg. Premium||$100|
|Full Coverage Avg. Premium||$212|
|Cheapest Insurance Company||MetLife - $19/mo.|
2014 Maxima drivers can expect to pay an average of $100 a month for liability or $212 for full coverage.
We found MetLife offered the lowest policy, with rates sometimes as little as $19 monthly.
If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.
2013 Nissan Maxima Car Insurance
|Liability Only Avg. Premium||$111|
|Full Coverage Avg. Premium||$206|
|Cheapest Insurance Company||Gainsco - $21/mo.|
The average cost to insure a 2013 Nissan Maxima with liability only coverage is $111 per month, while full coverage runs around $206 monthly.
With prices as cheap as $21 a month, Gainsco offered the most affordable policy we found.
If you want to know just how much your premium will be, just enter your ZIP code below and get several free quotes in minutes.
2012 Nissan Maxima Car Insurance
|Liability Only Avg. Premium||$107|
|Full Coverage Avg. Premium||$205|
|Cheapest Insurance Company||Hugo - $16/mo.|
2012 Maxima drivers can expect to pay an average of $107 per month for liability or $205 for full coverage.
Looking for the cheapest policy? Hugo offered liability only coverage for sometimes as cheap as $16 monthly.
Want something more accurate than national averages? Get multiple free customized quotes by just entering your ZIP code below.
2011 Nissan Maxima Car Insurance
|Liability Only Avg. Premium||$101|
|Full Coverage Avg. Premium||$200|
|Cheapest Insurance Company||MetLife - $20/mo.|
It costs about $101 per month for liability or $200 for a full coverage policy for the 2011 Nissan Maxima.
If you're looking for the lowest possible 2011 Nissan Maxima insurance policy, MetLife offered the most affordable policy we found, with rates as little as just $20 a month.
If you want to find the best rates for insurance for a 2011 Nissan Maxima, enter your ZIP code below and compare a multitude of personalized quotes in just a few minutes.
2010 Nissan Maxima Car Insurance
|Liability Only Avg. Premium||$107|
|Full Coverage Avg. Premium||$194|
|Cheapest Insurance Company||Ohio Mutual - $18/mo.|
On average, drivers who own a 2010 Maxima can expect to pay $107 to $194 monthly for liability only and full coverage car insurance, respectively.
We found Ohio Mutual offered the lowest policy, with rates sometimes as low as $18 per month.
Want to figure out exactly what you'll be asked to pay? Enter your ZIP code below to get several customized quotes for free.
2009 Nissan Maxima Car Insurance
|Liability Only Avg. Premium||$114|
|Full Coverage Avg. Premium||$194|
|Cheapest Insurance Company||StateAuto - $21/mo.|
You can expect full coverage for a 2009 Nissan Maxima to run around $194 a month, while liability only coverage will average about $114 per month.
StateAuto offered the most affordable policy we found, with rates as low as just $21 a month.
These average premiums are a great starting point if you're in the market for a 2009 Nissan Maxima, but there are a range of different factors that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.
Nissan Maxima Insurance FAQs
Is a Nissan Maxima expensive to insure?
Liability insurance runs an average of $95 monthly, while full coverage will cost you around $202. Compared to the national average of all cars, rates come in on the more expensive end of the spectrum.
How can I get the best price on car insurance for my Nissan Maxima?
There's only one way to make sure you're getting the lowest rates -- regularly shopping around and comparing quotes from lots of companies. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare premiums from a range of carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) in just a few minutes.
Does the color of my Nissan Maxima affect my insurance prices?
Have you heard that it is more expensive to insure red cars that silver or white vehicles before? Well, that's simply not true. Even though there are a variety of things auto insurance companies think about when they calculate how much your policy will be, the color of your Maxima is not on that list.
Do I need to have insurance before I buy a Nissan Maxima?
You'll need to have an insurance policy in place before you can legally driver your new (or new to you) car off the dealership lot. Some dealerships might offer you a car insurance policy as part of the car-buying process, but the best thing to do when buying a an car is to talk with your car insurance company before you buy.
What car insurance discounts can I get for my Nissan Maxima?
You will find a variety of discounts out there for auto insurance. Many of them (like "pay-in-full discounts" and "multi-policy discounts") are based less on your vehicle and more on you, but if your Maxima has safety features like anti-lock brakes, airbags, anti-theft systems, and other features, it may be eligible for certain discounts. The only way to find out which discounts you might get is to talk with your insurance agent and ask about their discounts.