Nissan Maxima Car Insurance Rates for 2022

How much does Nissan Maxima insurance cost? We analyzed car insurance cost from the base Maxima 3.5 S model up to the loaded Platinum trim level to see how average Maxima insurance rates compared to the rest of the large car market.

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  • Maxima insurance costs an average of $1,688 per year, or around $141 per month for full coverage.
  • The cheapest Maxima trim level to insure is the SV at around $1,628 per year, and the most expensive trim being the Platinum at $1,722 annually.
  • Buying a low deductible policy can increase rates to $2,212 a year, an increase of $524 a year or 31%. High deductibles can decrease rates to $1,422 a year, a decrease of $266 a year or 15.8%.
  • Depending on the state you live in, insurance rates range from a low of about $1,100 in Maine to a high of around $3,100 in Michigan.

How much are Nissan Maxima insurance rates?

Nissan Maxima insurance costs on average $1,688 a year for full coverage, or $141 a month. Expect to pay about the average rate for the full-size car segment, and around $137 more per year than the $1,551 national average for all vehicles.

The chart below shows average car insurance cost on a 2022 Maxima for a range of driver ages and policy deductibles.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average insurance cost for a 2022 Nissan Maxima with safe driver and claim-free discounts applied. Rates are for full-coverage insurance and averaged for all U.S. states and all Nissan Maxima trim levels.Data last updated on April 14, 2022
Nissan Maxima Car Insurance Rates
Nissan Maxima Insurance Cost by Driver Age and Deductibles
Driver Age Deductible Annual Cost Monthly Cost
20$1,000$2,842$237
$500$3,368$281
$250$3,922$327
30$1,000$1,490$124
$500$1,782$149
$250$2,088$174
40$1,000$1,422$119
$500$1,688$141
$250$1,970$164
50$1,000$1,298$108
$500$1,540$128
$250$1,790$149
60$1,000$1,272$106
$500$1,510$126
$250$1,756$146

Why do lower deductibles cost more?

A deductible is the amount of money you have to pay in the event your insurance company pays for a covered physical damage claim (think weather, animal collision, overturn, accident, etc.).

If you choose a lower deductible when you purchase your policy, that means your insurance company will pay more for a claim. This makes it more expensive to insure your Maxima.

Conversely, if you opt to shoulder more of the cost of a claim; i.e., a higher deductible, your insurance company will respond by charging you a lower amount for physical damage coverage.

It’s tempting to choose low deductibles because they mean less money out-of-pocket at claim time, but if your claim frequency is low, you will end up paying much more than if you opted for the higher deductible and pocketed the savings.

Nissan Maxima car insurance rates by model year

The following table shows average Maxima car insurance rates for the 2013 to 2022 model year. Cost ranges from $1,206 for a 2013 model to $1,688 for a new 2022 Maxima.

Nissan Maxima Insurance Cost for 2013-2022 Models
Model Year and Vehicle Annual Rate 6-month Rate Monthly Rate
2022 Nissan Maxima$1,688$844$141
2021 Nissan Maxima$1,656$828$138
2020 Nissan Maxima$1,626$813$136
2019 Nissan Maxima$1,622$811$135
2018 Nissan Maxima$1,580$790$132
2017 Nissan Maxima$1,516$758$126
2016 Nissan Maxima$1,484$742$124
2014 Nissan Maxima$1,258$629$105
2013 Nissan Maxima$1,206$603$101

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 20, 2022
Nissan Maxima Car Insurance Rates by Model Year

Does the trim level of the vehicle matter?

Higher Maxima trim levels do cost more to insure, primarily due to the higher vehicle value which has to be covered in the event of a total loss. The cheapest Maxima trim level to insure is the SV at around $1,628 per year, and the most expensive trim being the Platinum at $1,722 annually.

The table below details the annual, semi-annual, and monthly cost of full coverage insurance for the different Nissan Maxima trim levels.

2022 Nissan Maxima Insurance Cost by Trim Level
Nissan Maxima Trim Level Annual Policy 6-month Policy Per Month
SV$1,628$814$136
SR$1,718$859$143
Platinum$1,722$861$144

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Nissan Maxima, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 20, 2022
Nissan Maxima Insurance Cost by Trim Level

How does Maxima insurance compare to similar vehicles?

Insurance on a Nissan Maxima ranks #3 out of four vehicles in the full-size sedan class for car insurance affordability.

The chart below shows how well average Maxima car insurance rates fare against other large cars like the Dodge Charger, Chrysler 300, and the Kia Cadenza.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Nissan Maxima, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Nissan Maxima trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on February 25, 2022
Insurance Cost Comparison: Nissan Maxima vs Large Cars

Does the city or state I live in affect Maxima insurance rates?

The cost of insuring your Maxima can range considerably, from a low of around $1,100 in states like Virginia and Maine, to well over $2,500 in Michigan and Louisiana. And even within the same state rates can range significantly based on your zip code.

The chart below shows estimated Nissan Maxima car insurance rates in the 15 largest metro areas in America.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Chart shows average car insurance rates for a 2022 Nissan Maxima, 40-year-old married male driver with safe driver and claim-free discounts applied. Physical damage deductibles are $500 and rates are the average for all Nissan Maxima trim levels.Data last updated on February 20, 2022
Nissan Maxima Insurance Rates in 15 Largest U.S. Cities
Nissan Maxima Insurance Rates by Location
City/State Annual Rate Monthly Rate
New York, NY$3,212$268
Philadelphia, PA$2,834$236
Los Angeles, CA$2,820$235
San Francisco, CA$2,424$202
Jacksonville, FL$2,412$201
San Jose, CA$2,008$167
Phoenix, AZ$1,954$163
San Diego, CA$1,910$159
Chicago, IL$1,848$154
Dallas, TX$1,818$152
Houston, TX$1,806$151
Indianapolis, IN$1,710$143
San Antonio, TX$1,626$136
Austin, TX$1,548$129
Columbus, OH$1,280$107

Rural and less-populated areas often have lower insurance rates due to lower traffic congestion and shorter commutes. The table below shows the average Nissan Maxima insurance rates for all 50 states.

Nissan Maxima Insurance Cost by U.S. State
U.S. State Annual Cost 6-month Cost Monthly Cost
Alabama$1,384$692$115
Alaska$1,492$746$124
Arizona$1,512$756$126
Arkansas$1,822$911$152
California$1,948$974$162
Colorado$1,816$908$151
Connecticut$1,650$825$138
Delaware$1,726$863$144
Florida$2,484$1,242$207
Georgia$1,644$822$137
Hawaii$1,156$578$96
Idaho$1,342$671$112
Illinois$1,374$687$115
Indiana$1,270$635$106
Iowa$1,232$616$103
Kansas$1,710$855$143
Kentucky$1,978$989$165
Louisiana$2,462$1,231$205
Maine$1,176$588$98
Maryland$1,536$768$128
Massachusetts$1,394$697$116
Michigan$2,710$1,355$226
Minnesota$1,496$748$125
Mississippi$1,604$802$134
Missouri$1,804$902$150
Montana$1,658$829$138
Nebraska$1,626$813$136
Nevada$1,864$932$155
New Hampshire$1,026$513$86
New Jersey$1,604$802$134
New Mexico$1,362$681$114
New York$1,810$905$151
North Carolina$1,082$541$90
North Dakota$1,416$708$118
Ohio$988$494$82
Oklahoma$1,654$827$138
Oregon$1,424$712$119
Pennsylvania$1,432$716$119
Rhode Island$2,004$1,002$167
South Carolina$1,566$783$131
South Dakota$1,540$770$128
Tennessee$1,344$672$112
Texas$1,602$801$134
Utah$1,404$702$117
Vermont$1,130$565$94
Virginia$1,098$549$92
Washington$1,292$646$108
West Virginia$1,530$765$128
Wisconsin$1,156$578$96
Wyoming$1,560$780$130

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Nissan Maxima, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Nissan Maxima trim levels. Physical damage deductibles are $500 and rates are averaged for all zip codes in each state.Data last updated on February 20, 2022
Nissan Maxima insurance rates by U.S. state