Key Takeaways
The Nissan Maxima car insurance rates are high. Let's know how some key factors, such as MSRP, Replacement Value, repair cost, etc., influence the car model insurance rates. Also, learn effective methods to lower the insurance cost using insurance comparison tools such as the Way app.
Nissan Maxima auto insurance costs are higher when compared to other models from the same segment. While we have strong contenders in the full-size sedan segment, the Maxima surpasses all in the insurance front. Though the car is not in the luxury segment, the features and tech in this premium Nissan car stand par with the luxury cars. The average annual insurance rate for the car model is $2,232, which is 25% more than the combined average of the selected model in the table below.
| Make & Model | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Hyundai Azera | $1,296 | $108 |
| Honda Accord | $1,524 | $127 |
| Buick LaCrosse | $1,596 | $133 |
| Chrysler 300 | $1,752 | $146 |
| Kia Cadenza | $1,824 | $152 |
| Toyota Avalon | $1,884 | $157 |
| Dodge Charger | $2,136 | $178 |
| Nissan Maxima | $2,232 | $186 |
Car Type & Segment: Nissan Maxima is a premium full-size sedan. Though the car is not in the luxury segment, the features and tech qualify it for high insurance rates.
MSRP & Replacement Value: The car model's market value is higher than that of the regular sedans. Added to this are the advanced techs and features that come built-in, raising the car's value and hence the cost of replacement. Due to this factor, Nissan Maxima auto insurance rates have risen.
Repair Costs & Parts Availability: As the car has more of the latest features, the complexity also rises; therefore, the insurance cost also rises. However, as the car engine and electronics have shared parts with other Nissan models, such as Altima, Murano, and Pathfinder, the parts are easily available for Maxima. This factor helps to lower the insurance cost.
Safety Ratings: Car insurers weigh the safety ratings by agencies such as IIHS and NHTSA to decide the car insurance rates. The better the ratings are, the lower the insurance rate.
Theft Rates: Theft rates are one of the most influential factors that impact the Nissan Maxima car insurance cost. As per the research conducted by this website, the theft rates on the car model are not high. With less theft risk, the car insurance rates also go lower.
Annual Mileage & Usage: Annual mileage directly reflects the car's risk category. With more annual mileage, the risk and subsequently the insurance rates also go higher. With a flagship car like the Maxima, users are advised to opt for the usage-based insurance program if they are using the car for minimal purposes, such as weekend getaways or pleasure driving.
Driver & Policyholder Factors: Driver and policyholder factors, from location, credit score, age, to even gender and marital status, can influence your car insurance rates. The most important among these factors is the driving record. DUI, speeding ticket, or at-fault accidents can put you in a high-risk category and lead to hefty car insurance rates.
Nissan Maxima car insurance rates vary according to the model year. Usually, the older model years have lower insurance rates compared to the newer ones. While going through the table below, you can see that the 2011 Nissan Maxima is 50% cheaper than the insurance rates of the 2020 model year. This is due to the higher MSRP, and advanced tech installed in the later model years. Find the average annual and monthly rates of selected Nissan Maximas in the table below.
| Nissan Maxima Model Years | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| 2020 Nissan Maxima | $2,243 | $187 |
| 2019 Nissan Maxima | $2,232 | $186 |
| 2017 Nissan Maxima | $1,446 | $121 |
| 2016 Nissan Maxima | $1,426 | $119 |
| 2014 Nissan Maxima | $1,347 | $112 |
| 2013 Nissan Maxima | $1,263 | $105 |
| 2012 Nissan Maxima | $1,218 | $102 |
| 2011 Nissan Maxima | $1,113 | $93 |
Though many major factors play a vital role in deciding the Nissan Maxima car insurance rates, the final calls are made between the user and the carrier. Though the bargain is a positive attitude from your end, insight into which the cheap insurance providers are can narrow down your search for the best provider.
All major providers offer competitive rates for the car model; at the same time, carriers like Erie, Texas Farm Bureau, Vermont Mutual, etc., offer cheap rates. Quincy Mutual offering $1,004 on average for annual premium is the cheapest for Nissan Maxima. Go through the table below and see which providers fit your budget.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Quincy Mutual | $1,004 | $84 |
| Erie | $1,009 | $84 |
| Texas Farm Bureau | $1,024 | $85 |
| Vermont Mutual | $1,174 | $98 |
| USAA | $1,186 | $99 |
| Plymouth Rock Insurance | $1,290 | $108 |
| Tennessee Farmers | $1,297 | $108 |
| Arbella | $1,358 | $113 |
| Acuity | $1,362 | $114 |
| American Family | $1,372 | $114 |
| Mercury | $1,515 | $126 |
2020 Nissan Maxima insurance rates on average per year will cost $2,243 per year. However, cheaper rates are available with carriers such as Erie, American Family, etc. Meanwhile, Tennessee Farmers offers the cheapest insurance rates for the car model year, which is 41% cheaper when compared to the overall annual average rates of the model year. Since the rates vary according to various instances, choose your insurer only after considering all affordable options as mentioned in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Tennessee Farmers | $1,317 | $110 |
| Erie | $1,428 | $119 |
| American Family | $1,463 | $122 |
| Nationwide | $1,638 | $137 |
| Mercury | $1,641 | $137 |
| USAA | $1,680 | $140 |
| 21st Century | $1,695 | $141 |
| Auto Owners | $1,852 | $154 |
| State Farm | $1,921 | $160 |
| Plymouth Rock Insurance | $1,929 | $161 |
| Infinity | $2,172 | $181 |
Erie is the cheapest insurance company for the 2019 Nissan Maxima. While the overall insurance rates for the model year are $2,232, Erie offers $988 cheaper average rates. More carriers like USAA, Cincinnati Insurance, and American Family offer cheaper rates than the model year average. Go through the cheaper rates offered by the carriers in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Erie | $1,244 | $104 |
| USAA | $1,323 | $110 |
| Cincinnati Insurance | $1,467 | $122 |
| American Family | $1,499 | $125 |
| Auto Owners | $1,504 | $125 |
| Nationwide | $1,517 | $126 |
| Mercury | $1,605 | $134 |
| Plymouth Rock Insurance | $1,814 | $151 |
| Acuity | $1,885 | $157 |
| Southern Farm Bureau | $1,934 | $161 |
| State Farm | $1,936 | $161 |
The average annual Nissan Maxima insurance rate for the 2017 model year is $1,446. Meanwhile, Plymouth Rock Insurance offers an annual average of $760, which is much cheaper when compared to its fellow competitors. Based on your details and Maxima, variations can be seen in the annual rates mentioned in the table below. Making it as a reference point, search for quotes from multiple insurers to find the best carrier.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Plymouth Rock Insurance | $760 | $63 |
| Quincy Mutual | $1,091 | $91 |
| Texas Farm Bureau | $1,181 | $98 |
| Progressive | $1,197 | $100 |
| USAA | $1,239 | $103 |
| State Farm | $1,453 | $121 |
| Arbella | $1,490 | $124 |
| Amica | $1,692 | $141 |
| Allstate | $1,917 | $160 |
| MetLife | $2,103 | $175 |
| Liberty Mutual | $2,779 | $232 |
Nissan Maxima car insurance rates for the 2016 model year are $1,426 on average, per year. Quincy Mutual is the cheapest option for the owners of the car model year. The average annual premium offer by the carrier stands at $1,059. More insurers, such as Texas Farm Bureau, Erie, etc. Offer cheap premiums for the 2016 Nissan Maxima. Go through the average rates offered by the best-reviewed car insurance carriers in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Quincy Mutual | $1,059 | $88 |
| Texas Farm Bureau | $1,152 | $96 |
| Erie | $1,162 | $97 |
| Vermont Mutual | $1,328 | $111 |
| American Family | $1,342 | $112 |
| USAA | $1,427 | $119 |
| Nationwide | $1,474 | $123 |
| Mercury | $1,522 | $127 |
| Tennessee Farmers | $1,527 | $127 |
| 21st Century | $1,545 | $129 |
| State Farm | $1,652 | $138 |
While the average annual premium for the 2014 Nissan Maxima is $1,347, the rates offered by Erie are 38% cheaper. The average annual rate offered by the carrier is $833. At the same time, more insurers such as Quincy Mutual, USAA, Texas Farm Bureau, etc., also offer cheap rates. Refer to the table below to learn average rates offered by the respective car insurance providers.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Erie | $833 | $69 |
| Quincy Mutual | $1,007 | $84 |
| USAA | $1,009 | $84 |
| Texas Farm Bureau | $1,058 | $88 |
| Plymouth Rock Insurance | $1,179 | $98 |
| Acuity | $1,235 | $103 |
| Vermont Mutual | $1,237 | $103 |
| Tennessee Farmers | $1,289 | $107 |
| State Farm | $1,355 | $113 |
| Mercury | $1,401 | $117 |
| American Family | $1,407 | $117 |
2013 Nissan Maxima insurance rates are the cheapest with Erie. The carrier offers an average annual rate of $841, which is 33% cheaper than the overall average insurance rate for the model year. Though the average annual Nissan Maxima insurance cost for the 2013 model year is $1,263, you can find cheaper rates from various providers, as mentioned in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Erie | $841 | $70 |
| Quincy Mutual | $979 | $82 |
| USAA | $1,007 | $84 |
| Texas Farm Bureau | $1,059 | $88 |
| Vermont Mutual | $1,148 | $96 |
| Plymouth Rock Insurance | $1,149 | $96 |
| Acuity | $1,222 | $102 |
| Tennessee Farmers | $1,230 | $103 |
| American Family | $1,395 | $116 |
| Mercury | $1,405 | $117 |
| State Farm | $1,456 | $121 |
The cost of insuring a 2012 Nissan Maxima is $1,218 on average, per year. From our research, it has been found that you can get much cheaper offers from carriers such as Erie, USAA, Quincy Mutual, Texas Farm Bureau, etc. Find the cheapest average rates and the respective carriers offering them in the table below.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Erie | $822 | $69 |
| USAA | $939 | $78 |
| Quincy Mutual | $955 | $80 |
| Texas Farm Bureau | $1,028 | $86 |
| Plymouth Rock Insurance | $1,116 | $93 |
| Vermont Mutual | $1,135 | $95 |
| Acuity | $1,167 | $97 |
| Tennessee Farmers | $1,252 | $104 |
| American Family | $1,300 | $108 |
| State Farm | $1,332 | $111 |
| Arbella | $1,390 | $116 |
The 2011 Nissan Maxima insurance rate on average will cost you $1,113. The cheapest rates for the car model year are offered by the Texas Farm Bureau. The average annual rates by the carrier, as per our research, are $667. The rate is 40% lower than the overall average of the 2011 model Nissan Maxima. Go through the table below for an overview of the more affordable offers.
| Cheapest Insurance Companies | Average Annual Cost | Average Monthly Rate |
|---|---|---|
| Texas Farm Bureau | $667 | $56 |
| Erie | $732 | $61 |
| USAA | $866 | $72 |
| Quincy Mutual | $930 | $78 |
| Vermont Mutual | $1,024 | $85 |
| Plymouth Rock Insurance | $1,085 | $90 |
| Tennessee Farmers | $1,168 | $97 |
| State Farm | $1,175 | $98 |
| Arbella | $1,193 | $99 |
| American Family | $1,199 | $100 |
| Acuity | $1,302 | $109 |
The Nissan Maxima has some of the best and latest safety features. As these features and systems enhance car and rider safety, insurers weigh them while calculating the premium. The more advanced and foolproof the systems are, the lower the insurance rates go. An insight into the Nissan Maxima safety features can help you understand your car insurance choices.
Nissan Maxima car insurance rates highly depend on the safety ratings the car model receives. Insurers look for these safety ratings for insights into the quality of the models built and the efficiency of collision mitigation systems (if any). With better ratings, the insurer can offer cheaper insurance rates. Go through the ratings received by the car model for various test types from the report of the IIHS.
| Evaluation criteria | Rating |
|---|---|
| Small overlap front: driver-side | Good |
| Small overlap front: passenger-side | Good |
| Moderate overlap front: original test | Good |
| Side: original test | Good |
| Roof strength | Good |
| Head restraints & seats | Good |
| Headlights | Acceptable |
| Front crash prevention: vehicle-to-vehicle | Superior |
| Front crash prevention: pedestrian (day) | Superior |
| LATCH ease of use | Good |
Also, NHTSA is another valued agency for testing car safety. Here is an overview of the ratings given by NHTSA for the Nissan Maxima, based on various comprehensive tests.
| Evaluation criteria | Rating |
|---|---|
| Frontal Crash | 5 Star |
| Side Barrier for Front & Rear | 5 Star |
| Combined Side Barrier & Side Pole for Front | 4 Star |
| Combined Side Barrier & Side Pole for Rear | 5 Star |
| Rollover | 5 Star |
| Dynamic Tip Result | No Tip |
| Rollover Risk | 9.50% |
There are various strategies to find the best Nissan Maxima car insurance rates. Have a look at the following bits of advice:
Compare Nissan Maxima insurance quotes from multiple insurers and find the best insurance provider. You can do it either by visiting the websites of the respective insurers one after another, or by using an online comparison tool such as the Way app to get personalized quotes instantly.
Check the customer reviews for each insurer of your choice and choose the best-rated among them.
Instead of searching and jumping into a convenient insurer at the last minute, start the research earlier, at least 45-30 days before your car insurance due date.
Invest less in novice drivers. New drivers probably cause more accidents than experienced ones. Therefore, the insurers usually offer them higher premium rates.
Invest in a Nissan Maxima with anti-theft features and remember to declare it when filling out your insurance application.
If you are married, declare it promptly, as married people get lower insurance rates. Also, if a female relation in your home owns a driving license, it is best to insure the car under their name. According to the carriers, female drivers have lower claim rates.
Comparing the quotes from multiple insurers and finding the best one can be a tiring task. At the same time, choosing an insurer for your Maxima without proper comparison among the best insurers might cost you more than it should. In order to make the process easier, the Way app offers a better and quicker solution.
Sign up for the Way.com website, enter the vehicle and driver details required. Remember to mention the additional features you have installed, in addition to the ones that come built in. That's it! Now you can see the comparison among the cheap Nissan Maxima auto insurance quotes from 140+ carriers.
The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.
Quotes are typically based on a full coverage policy average unless otherwise noted within the content.
These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with way.com
Way.com’s Insurance Broker Quote Data
The average annual Nissan Maxima insurance cost is $2,232.
Nissan Maxima is the flagship sedan that fits the premium segment between the luxury and regular cars. Therefore, auto insurance rates for the car model are higher than those of other manufacturers. Yet, the price of a policy varies greatly depending on the trim levels, model years, etc.
Yes, the Nissan Maxima insurance rates are higher compared to the regular sedans from other brands, such as the Hyundai Azera, Chrysler 300, Dodge Charger, etc.
Access your digital insurance card through the app. You no longer need to carry your physical insurance card with you.
Receive reminders before your renewal. Way.com will also send new quotes from up to 45 insurance companies with your renewal reminder.
Keep everyone on your policy up to date by sharing your insurance information.
Make changes to your policy right from the app (coming soon) and ask for expert advice.
For the best user experience, please download our Way app.
or
Free quotes from 150+ carriers in seconds
