Nissan Maxima Auto Insurance (2024)
Average auto insurance rates for a Nissan Maxima cost $1,576 a year, or around $131 a month. On average, comprehensive coverage costs $384, collision coverage costs $560, and liability coverage costs $445 for Nissan Maxima insurance.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 13, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- Nissan is a very popular manufacturer of cars
- The Nissan Maxima starts at $32,420
- The Nissan Maxima has a range of air bags, from front air bags to side air bags in the seats and curtain air bags in the roof of the car
- Need auto insurance quotes for your Nissan Maxima? The estimated cost of insurance for a Nissan Maxima is $173/mo. or $2,076/yr
- Full coverage costs around $1,576 a year or $131 each month
- A liability-only policy costs around $632 a year or $53 each month
- Highest rates are for teenage drivers at around $5,760 a year or $480 each month
- Good drivers can save as much as $650 a year by earning policy discounts
- Nissan Maxima insurance costs around $57 more per year than the average vehicle
Nissan Maxima insurance rates are $57 more per year than the average vehicle. Full coverage Nissan Maxima insurance rates are $131 per month, but liability-only coverage is $53 per month. Parents with teens that drive a Nissan Maxima will pay $480 per month. Continue through this guide to learn how you can save more on Nissan Maxima insurance rates.
You can start comparing quotes for Nissan Maxima auto insurance rates from some of the best auto insurance companies by using our free online tool now.
Nissan Maxima Insurance Cost
The average Nissan Maxima auto insurance costs are $1,576 a year or $131 a month.
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Are Nissan Maximas Expensive to Insure?
The chart below details how Nissan Maxima insurance rates compare to other sedans like the Honda Civic, Volkswagen Passat, and Buick Regal.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Nissan Maxima | $390 | $656 | $372 | $1,576 |
| Honda Civic | $280 | $656 | $420 | $1,536 |
| Volkswagen Passat | $332 | $600 | $390 | $1,480 |
| Buick Regal | $306 | $536 | $398 | $1,398 |
| Audi A3 | $282 | $566 | $398 | $1,404 |
| Nissan Altima | $306 | $570 | $390 | $1,424 |
| Ford Taurus | $344 | $596 | $398 | $1,496 |
However, there are a few things you can do to find the cheapest Nissan insurance rates online.
What Impacts the Cost of Nissan Maxima Insurance?
Even though the average annual rate for the Nissan Maxima is $1,576, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Nissan Maxima.
Age of the Vehicle
The average Nissan Maxima auto insurance rates are higher for newer models. For example, auto insurance rates for a 2020 Nissan Maxima cost $1,576, while 2010 Nissan Maxima rates are $1,254, a difference of $322.
| Model Year | Comprehensive | Collision | Liability | Total |
| 2020 Nissan Maxima | $390 | $656 | $372 | $1,576 |
| 2019 Nissan Maxima | $372 | $630 | $390 | $1,550 |
| 2018 Nissan Maxima | $356 | $626 | $398 | $1,538 |
| 2017 Nissan Maxima | $344 | $610 | $416 | $1,528 |
| 2016 Nissan Maxima | $332 | $586 | $430 | $1,506 |
| 2014 Nissan Maxima | $302 | $524 | $452 | $1,436 |
| 2013 Nissan Maxima | $290 | $494 | $456 | $1,398 |
| 2012 Nissan Maxima | $278 | $442 | $460 | $1,338 |
| 2011 Nissan Maxima | $260 | $408 | $460 | $1,286 |
| 2010 Nissan Maxima | $250 | $382 | $464 | $1,254 |
Driver Age
Driver age can have a significant impact on Nissan Maxima auto insurance rates. For instance, a 30-year-old driver may pay $69 more each year for Nissan Maxima auto insurance than a 40-year-old driver.
Driver Location
Where you live can have a large impact on Nissan Maxima insurance rates. For example, drivers in Los Angeles may pay $867 a year more than drivers in Phoenix.
Your Driving Record
Your driving record can have an impact on the cost of Nissan Maxima auto insurance. Teens and drivers in their 20’s see the highest jump in their Nissan Maxima auto insurance with violations on their driving record.
Nissan Maxima Safety Ratings
The Nissan Maxima’s safety ratings will affect your Nissan Maxima auto insurance rates. See the chart below:
| Test Type | Rating |
| Small overlap front: driver-side | Good |
|---|---|
| Small overlap front: passenger-side | Good |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Good |
| Head restraints and seats | Good |
| Source: Insurance Institute for Highway Safety | |
Nissan Maxima Crash Test Ratings
If the Nissan Maxima crash test ratings are good, you could have lower Nissan Maxima auto insurance rates. See Nissan Maxima crash test results below:
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2020 Nissan Maxima 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2019 Nissan Maxima 4 DR FWD | N/R | N/R | N/R | 5 stars |
| 2018 Nissan Maxima 4 DR FWD | 5 stars | 4 stars | 5 stars | 5 stars |
| 2017 Nissan Maxima 4 DR FWD | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Nissan Maxima 4 DR FWD Later Release | 5 stars | 5 stars | 5 stars | 5 stars |
| 2016 Nissan Maxima 4 DR FWD Early Release | 5 stars | 5 stars | 5 stars | 5 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Nissan Maxima Safety Features
The numerous safety features of the Nissan Maxima help contribute to lower insurance rates. The 2020 Nissan Maxima has the following safety features:
- Driver Air Bag
- Passenger Air Bag
- Front Head Air Bag
- Rear Head Air Bag
- Front Side Air Bag
- Rear Side Air Bag
- 4-Wheel ABS
- 4-Wheel Disc Brakes
- Brake Assist
- Electronic Stability Control
- Daytime Running Lights
- Child Safety Locks
- Traction Control
- Blind Spot Monitor
- Lane Departure Warning
Nissan Maxima Finance and Insurance Cost
If you are financing a Nissan Maxima, most lenders will require your carry higher Nissan Maxima coverage options including comprehensive coverage, so be sure to shop around and compare Nissan Maxima auto insurance rates from the best companies using our FREE tool below.
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5 Ways to Save on Nissan Maxima Insurance
You have more options at your disposal to save money on your Nissan Maxima auto insurance costs. For example, try these five tips:
- Buy Winter Tires for Your Nissan Maxima
- Reduce Modifications on Your Nissan Maxima
- Don’t Assume your Nissan Maxima Insurance Rates are Cheaper to Insure than another vehicle. Compare. Compare. Compare.
- Improve Your Credit Score
- Renew Your Nissan Maxima Insurance Coverage to Avoid Lapses
Top Nissan Maxima Insurance Companies
Several top auto insurance companies offer competitive rates for the Nissan Maxima rates based on factors like discounts for safety features. Take a look at this list of top auto insurance companies that are popular with Nissan Maxima drivers organized by market share.
| Rank | Company | Volume | Market Share |
| 1 | State Farm | $65,615,190 | 9.3% |
| 2 | Geico | $46,106,971 | 6.6% |
| 3 | Progressive | $39,222,879 | 5.6% |
| 4 | Liberty Mutual | $35,600,051 | 5.1% |
| 5 | Allstate | $35,025,903 | 5.0% |
| 6 | Travelers | $28,016,966 | 4.0% |
| 7 | USAA | $23,483,080 | 3.3% |
| 8 | Chubb | $23,388,385 | 3.3% |
| 9 | Farmers | $20,643,559 | 2.9% |
| 10 | Nationwide | $18,442,145 | 2.6% |
| Source: Insurance Information Institute | |||
Nissan Maxima Insurance Model Overview
Nissan is a popular vehicle manufacturer with a wide range of choices and options from compact cars to sports cars to trucks.
The Nissan Maxima is one of the most popular models in the Nissan lineup, and getting the best car insurance for yours should be one of your main goals.
Finding the best insurance for your Maxima is not hard to do. You need to do a little work before you start looking for coverage, and some research while searching.
With a little effort, you can find great coverage for an affordable price to protect your Maxima and make your wallet happy.
Car insurance quotes are awaiting you right here as soon as you enter your zip code in the FREE search tool above!
The Nissan Maxima is listed as a mid-size four-door sports car and is offered in four trim levels. The base model, the 3.5 S starts at $32,420, and the 3.5 SV Premium Package starts at $38,420.
The standard engine is a 3.5-Liter engine that puts out 290 horsepower.
The vehicles are front-wheel drive standard, and the transmission is continuously variable with paddle shifters being optional on higher trim models.
All models of the Maxima get an estimated 19 mpg in the city and 26 mpg on the highway.
The Nissan Maxima has a range of air bags, from front air bags to side air bags in the seats and curtain air bags in the roof of the car.
Seat belts have occupant sensors, and the vehicle has front and rear crumple zones to protect passengers during crashes for additional safety.
All new Nissans are also sold with a standard warranty. The vehicle is covered by a 36-month/36,000-mile limited vehicle warranty and a 5-year/60,000-mile limited power train warranty.
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Nissan Maxima Insurance: Best Does Not Mean Cheap
Before searching for insurance coverage, it is important to understand that the best does not mean cheap in the insurance world. Cheap coverage won’t really offer the protection that you need to cover your liability and protect your vehicle and assets.
In terms of car insurance, the best coverage means full coverage that is affordable. Getting adequate coverage for a great price is possible. It just takes some effort to find the insurer with the best rates for you.
All experts agree that adequate insurance coverage includes liability limits that are higher than state minimums.
Experts advise that you purchase $100,000 for each individual and $300,000 for an entire accident for liability coverage; the highest state minimums are only $50,000 per person and $100,000 of coverage for an entire accident.
Liability coverage pays for damages and injuries that you cause to others. Without enough coverage, you could be sued to pay for the difference.
Optional coverage such as collision and comprehensive are also recommended, especially for newer vehicles. Collision and comprehensive are meant to fix damages to your vehicle from an accident, theft or other loss.
Without these two forms of coverage, you will have no other recourse for fixing your vehicle if you are at fault or you suffer the bad luck of hitting a deer or being in the way of fire, flood or other natural disasters.
Other insurance options that may or may not be required by your state’s auto insurance laws are medical payments insurance, uninsured/underinsured motorist coverage, and general asset protection (GAP) insurance.
You should review your insurance needs and buy those options that you can’t get through some other coverage.
Other options include roadside assistance, towing and rental car reimbursement.
If you have another avenue for covering these areas, such as you get roadside assistance and towing through an auto club, then you don’t need to pay for them again through your insurance.
However, each is relatively inexpensive, so you should have the coverage if you don’t have a similar option elsewhere.
Nissan Maxima Insurance: Maximize Those Factors You Control
Many factors are used by car insurance companies to calculate auto insurance rates. All of these factors let insurers judge how likely you are to have a claim in the future. It is about as close as you can get to seeing the future!
Statistically, if you have a high likelihood of getting into a car accident or suffering some other loss in the future, the insurer will make you pay a higher rate to offset that risk.
There are factors that you can control and the first step to finding good, low-cost insurance rates are to improve as many factors as possible. Not every factor is under your control, but those that you can control are mostly those factors that are of paramount importance to calculating your insurance rates.
For instance, women enjoy lower rates than men do, but that is not really within your control. Improving those areas that are in your power is your best course of action before you even begin your search for car insurance.
The first area that you should focus on is to improve your driving history. That is the most important factor that affects your rates. The best way to improve your driving history is to keep your history clean.
That means avoiding accidents and tickets, and the best way to assure you keep your nose clean is to follow all of those rules of the road and driving laws that are meant to keep drivers safe.
Another option is to take a driving safety course approved by your state’s department of motor vehicles. While the savings will not be as great as three years of a clean driving record, it will help.
For example, the State of New Jersey Motor Vehicle Commission offers classroom and online classes that will take two points off a driving license.
A further option is to improve your credit history. Insurance companies cite a correlation between driving and managing money.
Statistics show that poor money managers make bad drivers, so insurance companies charge those with poor credit higher insurance rates.
Improving your credit will likely improve your car insurance rates as well. Just like your driving history, improving your credit will take some time.
The website MyFICO gives you tips on improving your credit, such as maintaining a good payment history and reducing your overall credit debt.
Compare Free Nissan Maxima Insurance Quotes Online
Cost certainly isn’t the most important factor when you are looking for insurance for your Nissan Maxima, but if you can get good coverage for a lower price than you should.
The secret is that every insurance company will have a different rate for the same exact insurance.
The only way to know how much your insurance will be for a Maxima or any vehicle is to get a quote for coverage.
Getting quotes is the number one way to save on car insurance costs, without changing anything else or making efforts to improve your driver’s risk profile. The more companies you get a quote from, the more likely you are to find your lowest rates.
The industry gurus at the Insurance Information Institute maintain that you should get at least three quotes from different insurers.
First, you need to know how much insurance coverage you want. Most experts advise that you get more liability than your state’s minimums.
It is also recommended that you purchase uninsured/underinsured motorist coverage, PIP insurance, and collision and comprehensive coverage to ensure you have full protection for your Maxima.
Also, make sure that you use those same amounts of coverage for every quote you get. Then you will be able to compare all of your quotes side-by-side. You will likely be amazed at the range of quotes you get!
There are many options for shopping around for car insurance coverage for your Nissan Maxima.
You can certainly get quotes the old-fashioned way, such as through meeting an agent at a car insurance office or by calling a company’s call center to speak with a representative.
You can also take advantage of modern technology and get quotes from an auto insurance provider’s website. If you really want to save time and effort, you can use a quote comparison website such as this one.
You fill out one application, rather than many applications and you receive many quotes from numerous car insurance providers for coverage.
To start comparing Nissan Maxima auto insurance quotes for free, use our online auto insurance comparison tool.
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Frequently Asked Questions
How does the make and model of a Nissan Maxima affect auto insurance rates?
The make and model of a vehicle, including the Nissan Maxima, can impact auto insurance rates. Insurance companies consider factors such as the vehicle’s cost, repair expenses, safety features, and theft rates when determining premiums. Since the Nissan Maxima is a midsize sedan known for its performance, it may have higher insurance rates compared to economy cars due to its higher cost of repairs and replacement parts.
What are some factors that insurance companies consider when calculating insurance premiums for a Nissan Maxima?
Insurance companies take several factors into account when calculating premiums for a Nissan Maxima or any other vehicle. These factors include the driver’s age, driving record, location, annual mileage, credit score (in some cases), the purpose of use (personal or business), and the level of coverage chosen. Additionally, the insurance company considers the historical claim data associated with the Nissan Maxima model.
Are there any specific safety features on the Nissan Maxima that may lower insurance rates?
Yes, the Nissan Maxima often comes equipped with various safety features that can potentially lower insurance rates. These features may include anti-lock brakes, traction control, stability control, advanced airbag systems, adaptive cruise control, lane departure warning, forward collision warning, and automatic emergency braking. Insurance companies often offer discounts for vehicles equipped with these safety features as they can help reduce the risk of accidents and injuries.
Can I get discounts on auto insurance for my Nissan Maxima?
Yes, you may be eligible for various discounts on auto insurance for your Nissan Maxima. Insurance companies commonly offer discounts for factors such as bundling multiple policies, maintaining a good driving record, completing defensive driving courses, having anti-theft devices installed in your vehicle, being a member of certain professional organizations, and more. It’s recommended to check with your insurance provider to explore the available discounts specifically for your Nissan Maxima.
Should I choose comprehensive and collision coverage for my Nissan Maxima?
The decision to choose comprehensive and collision coverage for your Nissan Maxima depends on several factors, including your financial situation, the value of your vehicle, and your risk tolerance. Comprehensive coverage provides protection against non-collision-related damages, such as theft, vandalism, and natural disasters, while collision coverage covers damages from accidents with other vehicles or objects. If your Nissan Maxima is relatively new or has a high market value, it may be beneficial to include these coverages. However, if your vehicle is older or its value has significantly depreciated, you may consider whether the cost of the coverage justifies the potential payout in case of an incident.
How can I find the best auto insurance rates for my Nissan Maxima?
To find the best auto insurance rates for your Nissan Maxima, it’s recommended to gather quotes from multiple insurance providers. You can either contact individual insurance companies directly or use online comparison websites that allow you to compare quotes from different insurers. Make sure to provide accurate information about yourself, your vehicle, and your coverage needs to receive accurate quotes. Additionally, consider reading reviews and researching the reputation and customer service of the insurance companies you’re considering to ensure you choose a reliable provider.
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Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.