- Nissan Murano insurance averages $1,594 per year or $797 for a semi-annual policy, depending on the trim level.
- With the cheapest Murano insurance, the SV FWD trim level costs an estimated $1,528 per year to insure. At the high end, the Murano Platimum AWD is the most expensive to insure at $1,666 for an annual policy.
- When compared to other midsize SUVs, the Nissan Murano is one of the cheaper midsize SUVs to insure, ranking at second and costing $280 less less than the segment average.
- Buying insurance for an older model year Nissan Murano may reduce your insurance bill by $348 per year or more.
How much does Nissan Murano insurance cost?
Nissan Murano insurance costs an average of $1,594 a year for a full coverage policy. Depending on the trim level being insured, monthly car insurance rates range from $127 to $139, with the Murano SV FWD being cheapest and the Platimum AWD costing the most to insure.
A typical car insurance policy consists of three different coverages. For the average Nissan Murano policy, comprehensive coverage costs around $426 a year, liability/medical is about $502, and the remaining collision insurance costs about $666.
The following chart details how average 2024 Nissan Murano car insurance rates vary based on the age of the rated driver and a range of policy deductibles.
As with all auto insurance policies, the higher the deductibles, the lower the policy costs. In the chart above, rates range from an average rate for a 60-year-old driver of $1,326 up to the average rate for a 20-year-old driver of $3,164 per year.
Expect to pay much higher rates for teen drivers on a Nissan Murano. For example, a 16-year-old male driver with a clean driving record would pay around $5,602 while a 16-year-old female would pay about $5,231. By age 18, rates drop to around $4,838 for males and $4,474 for female drivers.
More rates and insights into Murano insurance costs include:
- Get better rates due to your employment. Many auto insurance providers offer discounts for certain occupations like being a member of the military, college professors, lawyers, emergency medical technicians, nurses, and others. Obtaining this discount may save between $48 and $185 on your Nissan Murano insurance bill, depending on the age of the rated driver.
- Young males pay a lot more for insurance. For a 2024 Nissan Murano, a 20-year-old man will pay an average rate of $3,164 per year, while a 20-year-old woman will get a rate of $2,288, a difference of $876 per year. The females get much better rates. But by age 50, rates for male drivers are $1,418 and the cost for female drivers is $1,382, a difference of only $36.
- Violations and tickets cost more than a fine. To get the lowest Murano insurance rates, it pays to follow the law. Not surprisingly, just a couple of traffic citations have the potential to raise insurance policy rates by at least $414 per year.
- Save money by qualifying for discounts. Discounts may be available if the insured drivers are good students, are homeowners, sign their policy early, are senior citizens, are away-from-home students, or other discounts which could save the average driver as much as $266 per year.
- Bring up your credit score and save. In states that have statutes allowing credit ratings to be used as a price factor, drivers who maintain a credit score over 800 could see savings as high as $250 per year over a credit score ranging from 670-739. Conversely, a below-average credit score could cost as much as $290 more per year.
What is the cheapest Nissan Murano insurance?
With Nissan Murano insurance rates ranging from $1,528 to $1,666 per year for the average driver, the cheapest model to insure is the Murano SV FWD. Contrast that with the most expensive models, the Platimum AWD at $1,666 and the Platinum FWD at $1,648 per year. Those trims will cost an extra $138 and $120 per year, respectively, over the cheapest SV FWD model.
The next table details the average Nissan Murano car insurance rates for yearly and 6-month auto insurance policies, including a monthly budget amount, for each 2024 model year trim level.
| 2024 Nissan Murano Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| SV FWD | $1,528 | $127 |
| SV AWD | $1,558 | $130 |
| Midnight Edition FWD | $1,558 | $130 |
| Midnight Edition AWD | $1,582 | $132 |
| SL FWD | $1,594 | $133 |
| SL AWD | $1,616 | $135 |
| Platinum FWD | $1,648 | $137 |
| Platimum AWD | $1,666 | $139 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated February 23, 2024
Where does Murano insurance cost rank?
The Nissan Murano ranks second out of 34 total vehicles in the 2024 midsize SUV segment. The Murano costs an average of $1,594 per year to insure and the category median average cost is $1,874 per year, a difference of $280 per year.
When rates are compared to the best-selling models in the midsize SUV category, insurance for a Nissan Murano costs $176 less per year than the Chevrolet Traverse, $336 less per year than the Hyundai Santa Fe, $442 less per year than the Toyota 4Runner, and $506 less per year than the Tesla Model Y.
The table below shows how well average Nissan Murano car insurance rates compare to the entire midsize SUV segment. It also calculates the difference between each model’s average insurance cost and the cost of insuring a Murano.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Honda Passport | $1,512 | -$82 |
| 2 | Nissan Murano | $1,594 | -- |
| 3 | Subaru Outback | $1,618 | $24 |
| 4 | Buick Envista | $1,622 | $28 |
| 5 | Subaru Ascent | $1,652 | $58 |
| 6 | Volkswagen Atlas | $1,684 | $90 |
| 7 | Volkswagen Atlas Cross Sport | $1,690 | $96 |
| 8 | Ford Explorer | $1,722 | $128 |
| 9 | Toyota Highlander | $1,728 | $134 |
| 10 | Toyota Venza | $1,732 | $138 |
| 11 | Chevrolet Traverse | $1,770 | $176 |
| 12 | Mitsubishi Outlander Sport | $1,782 | $188 |
| 13 | Mitsubishi Outlander PHEV | $1,784 | $190 |
| 14 | Kia Sorento | $1,800 | $206 |
| 15 | Ford Edge | $1,802 | $208 |
| 16 | Buick Enclave | $1,828 | $234 |
| 17 | GMC Acadia | $1,832 | $238 |
| 18 | Honda Pilot | $1,848 | $254 |
| 19 | Mazda CX-9 | $1,852 | $258 |
| 20 | Jeep Grand Cherokee | $1,898 | $304 |
| 21 | Nissan Pathfinder | $1,928 | $334 |
| 22 | Hyundai Santa Fe | $1,930 | $336 |
| 23 | Hyundai Palisade | $1,932 | $338 |
| 24 | Chevrolet Blazer | $1,958 | $364 |
| 25 | Kia Telluride | $1,978 | $384 |
| 26 | Toyota 4Runner | $2,036 | $442 |
| 27 | Mazda CX-90 | $2,044 | $450 |
| 28 | Toyota Grand Highlander | $2,066 | $472 |
| 29 | Kia EV9 | $2,080 | $486 |
| 30 | Tesla Model Y | $2,100 | $506 |
| 31 | Ford Bronco | $2,104 | $510 |
| 32 | Jeep Wrangler | $2,168 | $574 |
| 33 | Rivian R1S | $2,328 | $734 |
| 34 | Dodge Durango | $2,330 | $736 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2024 model year. Updated February 23, 2024
Are newer models more expensive to insure?
Resisting that fancy 2024 model and driving an older Nissan Murano can reduce insurance costs by $348 per year at a minimum. Depreciation makes older vehicles worth considerably less than a new model, so insurance costs less.
The data table below details average full coverage insurance policy costs for a range of Nissan Murano model years. Average policy cost ranges from a minimum of $1,202 for a 2014 Nissan Murano to a maximum value of $1,594 for a 2024 Murano.
| Model Year and Vehicle | Annual Premium | Cost Per Month |
|---|---|---|
| 2024 Nissan Murano | $1,594 | $133 |
| 2023 Nissan Murano | $1,586 | $132 |
| 2022 Nissan Murano | $1,606 | $134 |
| 2021 Nissan Murano | $1,554 | $130 |
| 2020 Nissan Murano | $1,510 | $126 |
| 2019 Nissan Murano | $1,502 | $125 |
| 2018 Nissan Murano | $1,420 | $118 |
| 2017 Nissan Murano | $1,352 | $113 |
| 2016 Nissan Murano | $1,352 | $113 |
| 2015 Nissan Murano | $1,210 | $101 |
| 2014 Nissan Murano | $1,202 | $100 |
| 2013 Nissan Murano | $1,246 | $104 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Nissan Murano trim levels for each model year. Updated February 23, 2024
The rates in the table above are considered “full coverage”, which means the policies include both comprehensive and collision coverage as well as liability and medical payments coverage. Eventually, the value of any vehicle drops to a point where it may not make financial sense to keep full coverage.
As the vehicle value depreciates, the benefit of having full coverage is less each year. Eliminating full coverage on an older Nissan Murano could possibly save $662 per year, depending on the level of physical damage deductibles and the age of the rated driver.
How much is Nissan Murano insurance for teenagers?
Average Nissan Murano insurance rates for teenagers range from $4,421 to $5,602 for male drivers and $3,740 to $5,231 for female drivers.
Teenage drivers (ages 16-19) will pay the most for car insurance due to their inexperience and a higher likelihood of getting into accidents.
The chart below shows average car insurance rates for both male and female drivers aged 16 through 19 on a 2024 Nissan Murano insured for full coverage.
