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Sarah Sharkey is a personal finance and auto insurance writer who loves diving into the details to help readers make savvy life choices. She has written for numerous publications, including Business Insider, Yahoo! Finance, and Bankrate.
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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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The 2025 Nissan Pathfinder is an IIHS top safety pick, which helps contribute to the vehicle’s cheaper-than-average auto insurance rates.
Pathfinder drivers pay an average of $141 per month for coverage, according to Compare.com data. Drivers seeking the more robust protection of a full-coverage policy pay an average of $184 per month. But if you only need liability coverage for your Pathfinder, you can expect to spend around $98.
This guide compares car insurance costs for the Nissan Pathfinder and the best insurance companies. Let’s find you the best car insurance rates for your situation.
Pathfinder drivers can get the cheapest average rates with Safeco, GEICO, and Mercury.
The 2023 and 2024 Pathfinders are the most expensive models to insure, while the 2021 model is the least expensive.
Pathfinder insurance rates range widely by state, with Illinois drivers paying an average of $83 per month and Ohio drivers paying $257.
How much you’ll pay for coverage varies based on a range of factors, including your driving record and age. But the type of policy you choose also plays a big role.
The following table lays out the average rates for Nissan Pathfinders against other vehicle types, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Nissan Pathfinder | $98 | $184 | $141 |
| All vehicles | $108 | $190 | $149 |
On average, Pathfinder drivers pay $184 per month for a full-coverage policy and $98 per month for a liability-only policy.
While the type of coverage you choose can significantly affect your rates, it’s not the only factor to consider. Below, we explore the cheapest insurers for a variety of situations.
Every driver’s situation is unique, so your personal rate will vary. And regardless of average rates for the Pathfinder, some insurance companies consistently offer lower average rates than others.
The table below shows the five companies that offer the cheapest coverage for the Pathfinder, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Safeco | $109 |
| GEICO | $112 |
| Mercury | $112 |
| Root | $113 |
| National General | $121 |
Safeco offers the cheapest average rates for Pathfinder drivers. But that doesn’t mean you’ll find the lowest rates through this company. That’s why it’s critical to compare quotes across multiple insurers to find the best fit for your situation.
Next, we explore the best car insurance options for different Pathfinder drivers below.
The right car insurance company varies from driver to driver. But some tend to offer great rates to drivers in different situations.
We researched insurers to find the best auto insurance companies for different Nissan Pathfinder drivers below. We chose these companies based on average rates, available discounts, reviews, customer ratings, coverage options, and more.
| User Reviews | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Customers appreciate the accessible and friendly customer service but are unhappy with the significant and frequent price increases, especially for those with safe driving records.
Safeco offers Nissan Pathfinder drivers some of the most affordable car insurance options. Beyond relatively cheap rates, Safeco offers a diminishing deductible, which lowers your deductible each time you renew your policy without any claims. Plus, the company offers a number of discounts that could push your rates even lower.
That said, Safeco has a higher-than-expected number of National Association of Insurance Commissioners (NAIC) complaints and doesn’t provide online quotes.
Diminishing deductible available
Competitive rates
Above-average complaints[1]
Outdated quote process
| User Reviews | 4.2 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.2 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $96/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $149/mo |
Drivers appreciate the reasonable initial rates and decent coverage but dislike the consistent rate increases and lack of transparency.
Drivers appreciate the reasonable initial rates and decent coverage but dislike the consistent rate increases and lack of transparency.
Direct Auto has a reputation for working with all kinds of drivers, even those with previous driving violations. If you have violations in your past, this could make the company a great option. The catch is that Direct Auto doesn’t write policies in every state, and some customers report a negative experience.
| User Reviews | 4.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $88/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $142/mo |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
GEICO offers relatively affordable rates and a long list of discounts that families can take advantage of. For example, some households can get the safe driver discount, good student discount, multi-car discount, and more to avoid overpaying for coverage.
Although some report a below-average shopping experience, its relatively affordable rates could make it the right fit for many.[4]
Relatively cheap rates
Many discount opportunities
Gap insurance not available
Few local agents
Comparing quotes can save you up to $867.†
Vehicle age can affect premiums for various reasons. Generally, car insurance is more affordable for older vehicles. Lower insurance rates are primarily because older vehicles are typically worth less, which means the insurer would have to pay out less during a claim. In some cases, a lack of modern safety features in older vehicles can push premiums higher.
In the table below, you’ll find average monthly rates by model year for the Pathfinder, according to our data.
Pathfinder Model Year | Average Monthly Premium |
|---|---|
| 2025 | $152 |
| 2024 | $159 |
| 2023 | $159 |
| 2022 | $158 |
| 2021 | $114 |
| 2020 | $155 |
| 2019 | $144 |
| 2018 | $141 |
| 2017 | $142 |
| 2016 | $136 |
| 2015 | $144 |
| 2014 | $135 |
| 2013 | $145 |
| 2012 | $122 |
| 2011 | $139 |
| 2010 | $118 |
Take a look at how your location affects your car insurance coverage costs below.
Insurers consider your location when determining rates. While drivers of different ZIP codes may face different rates due to congestion and traffic patterns, drivers of different states may also see significant differences in their costs.[5]
The map below shows the average monthly premiums for Pathfinders in each state, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $96 |
| Arizona | $139 |
| Arkansas | $126 |
| California | $155 |
| Colorado | $149 |
| Connecticut | $244 |
| Delaware | $269 |
| Florida | $200 |
| Georgia | $181 |
| Idaho | $203 |
| Illinois | $83 |
| Indiana | $86 |
| Iowa | $119 |
| Kansas | $102 |
| Kentucky | $112 |
| Louisiana | $158 |
| Maine | $168 |
| Maryland | $124 |
| Massachusetts | $253 |
| Michigan | $109 |
| Minnesota | $193 |
| Mississippi | $135 |
| Missouri | $136 |
| Montana | $111 |
| Nebraska | $108 |
| Nevada | $72 |
| New Hampshire | $97 |
| New Jersey | $112 |
| New Mexico | $76 |
| New York | $179 |
| North Carolina | $104 |
| North Dakota | $214 |
| Ohio | $257 |
| Oklahoma | $95 |
| Oregon | $128 |
| Pennsylvania | $121 |
| Rhode Island | $126 |
| South Carolina | $172 |
| South Dakota | $205 |
| Tennessee | $91 |
| Texas | $104 |
| Utah | $170 |
| Vermont | $129 |
| Virginia | $146 |
| Washington | $100 |
| Washington D.C. | $128 |
| West Virginia | $91 |
| Wisconsin | $113 |
| Wyoming | $80 |
Other factors, like age and driving history, also play into your exact rates. Let’s dive into the details next.
When determining rates, insurers typically take your age into account. Statistically, drivers with less driving experience get in fewer accidents than more experienced drivers. That said, young drivers tend to pay more for coverage.
The table below highlights how average rates fall over time as drivers gain more experience, according to Compare.com data.
Teens who drive a Pathfinder pay more than double the average rate of adult drivers. Seniors pay about $204 less than teen drivers.
Insurance companies take your driving record into account when determining insurance premiums. Generally, drivers without any incidents get significantly lower car insurance premiums than drivers with violations, like a speeding ticket.
You can see this trend play out for Nissan Pathfinder drivers in the table below, according to our research.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $184 |
| Speeding ticket | $255 |
| At-fault accident | $266 |
| DUI | $303 |
On average, Nissan Pathfinder drivers with a DUI pay an average of $119 more per month for car insurance than drivers with a clean record. But even less serious violations, like a speeding ticket, still result in drivers paying around $71 more per month for coverage.
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Though the Pathfinder is a popular family vehicle, it’s helpful to understand how different features can potentially affect your car insurance costs. Here are some features that may influence your rates:
Safety features: Numerous safety technologies and a 2025 Insurance Institute for Highway Safety (IIHS) Top Safety Pick+ rating may partially explain why Pathfinder drivers enjoy lower insurance premiums.[6]
Affordable manufacturer’s suggested retail price (MSRP): The Nissan Pathfinder is more affordable compared to the national average price of a new vehicle — $49,740 — which may help keep insurance costs low.[7]
Trim levels: The Pathfinder comes with multiple trim levels ranging from MSRPs of $36,400 to $48,640. Generally, a higher MSRP leads to a higher insurance premium.
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Finding the cheapest auto insurance rates for your Pathfinder could be a game-changer for your budget. Use the following strategies to find the lowest rates.
Find a discount. Most insurance companies offer various car insurance discounts. Ask your insurance agent about which ones you qualify for.
Raise your deductible. Opting for a higher deductible automatically reduces your insurance premiums. If you know you’ll have the cash on hand to cover a higher deductible when you file a claim, this strategy could make sense for you.
Choose an older model. Older Nissan Pathfinder models typically have lower insurance premiums than the newest models.
Shop around. Everyone’s situation affects car insurance costs differently, which is why you should regularly compare quotes from multiple companies to find the cheapest rates.
Get coverage for your Nissan Pathfinder at the best price.
If you have additional questions about Nissan Pathfinder insurance, lean on the answers below.
No. It costs an average of $141 per month to insure a Nissan Pathfinder. When compared to the national average of $149 for all vehicles, Pathfinders are relatively affordable to insure.
Nissan Pathfinder drivers tend to find the cheapest auto insurance rates with Safeco, at just $109 per month, according to our data.
Insuring a 2025 Nissan Pathfinder costs an average of $152 per month, according to our research. But your exact insurance costs will vary based on your unique driver profile.
The cheapest Nissan to insure is the Murano, with an average rate of $130 per month, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Sarah Sharkey is a personal finance and auto insurance writer who loves diving into the details to help readers make savvy life choices. She has written for numerous publications, including Business Insider, Yahoo! Finance, and Bankrate.
Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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