Nissan Murano Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• It costs about the same to insure a Nissan Murano as the average SUV.

• Full coverage for a Murano typically runs about $147 a month, while liability only car insurance rates tend to be around $90 monthly.

• The lowest insurance company for a Murano is AmericanAlliance.

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Murano Overview

With 2021 models starting at $32,510, the Nissan Murano is a great SUV for all budgets. The Murano is not just on the affordable end of the spectrum when it comes to overall price point, it's also a smart budget option when you consider your future auto insurance prices.

We crunched the numbers on thousands of car insurance quotes on Compare.com, and we've determined that, on average, Nissan Murano insurance premiums run about $148 per month. But compared to other vehicles in the market, are Murano auto insurance rates higher or lower than those of similar SUVs?

How Much is Car Insurance for a Nissan Murano?

Looking at the table above, you can see that Nissan Murano insurance prices are cheaper than average. On average, Murano owners can expect to pay around $90 a month for liability insurance, and about $147 monthly for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

When you compare it to other Nissan models, the Murano is cheaper, with premiums around 18% lower than the rest of the company's vehicle offerings. However, Murano coverage runs close to average when compared to other vehicles of a similar body style, with full coverage insurance prices $5 cheaper than other SUVs and liability insurance rates coming in at $9 higher.

When compared to all vehicles of any body type, full coverage prices are lower for a Murano, but run higher than average for liability only policies.

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Who has the Cheapest Car Insurance for a Nissan Murano?

If you're in the market for a new auto insurance policy for your Nissan Murano, you're likely wondering which carrier offers the most affordable rates. While there will never be one company that offers the cheapest rates for everyone, FirstChicago has the most affordable average rates for liability only coverage, with rates as low as $33 per month. The next cheapest carrier is Shelter Mutual, who offers insurance sometimes as low as $34 monthly.

Finishing off the rest of the top 5 are MetLife, Hallmark, and Mercury. However, just because these five carriers offer the lowest average rates doesn't necessarily mean they'll be the cheapest for you.

After all, car insurance companies look at a whole range of factors when calculating premiums, so your results might be different. Because every driver is different, there's only one way to ensure you get the lowest prices, and that's by getting personalized quotes and comparing rates from a whole bunch of auto insurance carriers.

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What Factors Affect Car Insurance Rates for a Nissan Murano?

As we mentioned above, there are an array of things that car insurance companies look at to calculate how much they charge -- and each company weighs different factors more heavily than others, so there's not one single carrier that's the most affordable for every driver.

Keep reading to learn which variables auto insurance carriers look at and how they affect your final rate:

Vehicle Age

Nissan has been making the Murano for quite some time, so the car's age may play a big role in how much you'll pay for insurance. Typically, it costs less to insure older cars because they're worth less than newer models, and as time goes on and Muranos begin to depreciate, insurance costs will gradually get lower.

Based on the above table, the Nissan Murano follows this trend, as the cheapest models to insure are those that are 4 to 5 years old, while on average, the most expensive models are Muranos that are 1 year old or less.

Your Age

How old you are makes a significant difference in how much auto insurance companies will charge for a policy. Based on the information above, young drivers pay more compared to older Murano drivers. In this case, drivers under 18 pay more than twice as much as those 25 or older.

Insurance prices continue to decrease as you get older, with the cheapest age group for Murano drivers being 55-64.

Your Gender

Did you know men usually pay more for car insurance than women? This is because women are less likely to get speeding tickets and get into accidents, which decreases the chances of an insurance claim. When it comes to Murano drivers specifically, men pay about 7% more than women a month for insurance.

Where You Live

It may seem like common sense that factors like what vehicle you drive and how old you are play a role in your car insurance premiums, but did you know that where you live matters, too? Auto insurance is regulated on the state level and not nationally, so rates can change quite a bit depending on what state you reside in.

For example, the average Nissan Murano driver in New York pays around $199 monthly for liability coverage. Meanwhile, on average, the same owner in California will pay less than half of that price. The table referenced above shows average premiums for the 10 largest states by population, just to give you a good idea of how much prices can change from state to state.

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Nissan Murano Car Insurance Discounts

No matter how old you are, what state you live in, or which car you drive, it's always in your best interest to take advantage of as many auto insurance discounts as possible.

Even though all insurance carriers offer their own unique discounts, there are a few different ones that you'll find with most companies. These include things like:

• Pay-in-full discounts for choosing to pay your entire policy price at once, rather than in monthly installments
• Multi-policy discounts for bundling your home and auto policies with the same insurance company
• Multi-car discounts for insuring more than one of your vehicles with the same carrier
• Defensive driving discounts for drivers who take a defensive driving class through an accredited school or institution

There are lots of other discounts out there for saving money on your car insurance. And often, the best way to save isn't through a "discount" at all, but rather by having a good driving record and positive insurance history.

Even though you can't control every factor auto insurance carriers use to calculate premiums (like some of the ones mentioned above), you do have a say over some of them. Below are just a few of the variables you can use to your advantage when it comes to saving some cash:

Your Driving Record

It's no secret that insurance companies offer the cheapest rates to drivers with a history of responsible driving. It should be no surprise that your car insurance prices will go up if you get into a collision or get tickets. But exactly how much will these infractions cost you?

You can see from the table above that accidents will usually cost Murano drivers more than tickets, but both will result in above average rates. Nissan Murano drivers with a single ticket will pay an average of $107 a month, while drivers with one accident on their record pay about $107 each month (up $17 from the $90/mo. overall average). Drivers who have multiple kinds of either violation will end up paying even more.

How Much You Drive

The total amount of miles you drive each year affects your insurance premiums. Those who drive less often are more likely to go accident-free, so they'll normally end up paying less for auto insurance. Above, you can see that Nissan Murano owners who drive between 7,500 and 10,000 miles pay $97 for insurance, while those who drive between 2,500 and 5,000 miles per year pay an average of $78 per month.

If you don't use your Nissan Murano that often, it may be worth considering pay-per-mile or usage-based auto insurance. With these policies, you pay a small base rate each month, with your final monthly bill being calculated based on the number of miles you drove.

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How Do Nissan Muranos Compare to Other Vehicles?

If you're thinking about making a Nissan Murano your next SUV, you're probably wondering how it compares to other cars. Car insurance is just one cost that comes with buying a new car, but it's definitely one that's worth thinking about carefully.

Review the table below to see how the Nissan Murano stacks up:

Overall, the Nissan Murano is a fantastic value when it comes to price, with an MSRP that's a quarter less than the going rate for a new vehicle. The Murano comes in at $32,510, which is much cheaper than the national average vehicle MSRP of $46,179.

Liability insurance for a Nissan Murano is, while full coverage is over $40 more a month.

When it comes to usage, Nissan Murano drivers are pretty close to the national average in annual miles driven, with 11,738 miles a year compared to 11,660 for all vehicles.

Nissan Murano Car Insurance Costs by Model Year

So far, you've seen how different things have an impact on what you'll pay for car insurance. But if you're considering purchasing a new Murano, having a good idea of exactly how much you'll pay can be helpful as you consider your choices.

That's why we've done the heavy lifting and analyzed Nissan Murano auto insurance prices by model year. Choose a model year from the dropdown below to see average rates for both liability only and full coverage options, as well as some other helpful info, such as available trims, the cheapest insurance company, and base price for each Murano model year.

Choose Your Model

2020 Nissan Murano Car Insurance 2019 Nissan Murano Car Insurance 2018 Nissan Murano Car Insurance 2017 Nissan Murano Car Insurance 2016 Nissan Murano Car Insurance 2015 Nissan Murano Car Insurance 2014 Nissan Murano Car Insurance 2013 Nissan Murano Car Insurance 2012 Nissan Murano Car Insurance 2011 Nissan Murano Car Insurance 2010 Nissan Murano Car Insurance 2009 Nissan Murano Car Insurance

2020 Nissan Murano Car Insurance

The average cost to insure a 2020 Nissan Murano with liability only coverage is $137 per month, while full coverage runs about $172 monthly.

Looking for the most affordable policy? Shelter Mutual offered liability only coverage for as cheap as just $24 per month.

If you want to find the best rates for car insurance for a 2020 Nissan Murano, enter your ZIP code below and compare a whole range of personalized quotes in just a few minutes.

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2019 Nissan Murano Car Insurance

2019 Murano drivers can expect to pay an average of $124 a month for liability or $197 for full coverage.

If you're looking for the cheapest possible 2019 Nissan Murano insurance policy, Safeco offered the lowest policy we found, with rates as low as just $29 monthly.

Want to find the cheapest rates? Just enter your ZIP code below to get several personalized quotes for free.

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2018 Nissan Murano Car Insurance

On average, drivers who own a 2018 Nissan Murano can expect to pay $133 to $167 per month for liability only and full coverage insurance, respectively.

Clearcover has premiums as little as just $18 monthly for the 2018 Nissan Murano.

If you want to know exactly how much you can expect to pay for your Murano, get free quotes in minutes by just entering your ZIP code below.

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2017 Nissan Murano Car Insurance

It costs around $81 a month for liability or $148 for a full coverage policy for the 2017 Murano.

Commonwealth Casualty offered the most affordable policy we found, with rates as little as $17 per month.

Want to figure out exactly what you'll be asked to pay? Just enter your ZIP code below to get multiple free customized quotes.

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2016 Nissan Murano Car Insurance

You can expect full coverage for a 2016 Nissan Murano to run about $144 monthly, while liability only coverage will average around $73 a month.

We found Elephant offered the lowest policy, with rates sometimes as cheap as $19 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2015 Nissan Murano Car Insurance

It costs about $79 monthly for liability or $144 for a full coverage policy for the 2015 Murano.

With prices sometimes as little as $20 a month, StateAuto offered the cheapest policy we found for the 2015 Nissan Murano.

While these are good estimates of what the average driver might pay to insure a 2015 Nissan Murano, these rates might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2014 Nissan Murano Car Insurance

You can expect full coverage for a 2014 Nissan Murano to run around $135 monthly, while liability only coverage will average about $78 per month.

With premiums as cheap as $23 a month, Mile Auto offered the most affordable policy we found.

What will your car insurance premium be? Get lots of personalized quotes for free by just entering your ZIP code below.

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2013 Nissan Murano Car Insurance

The average cost to insure a 2013 Murano with liability only coverage is $77 per month, while full coverage runs around $141 a month.

Mile Auto offered the lowest policy we found, with rates as little as $19 monthly.

If you want to find the best prices for auto insurance for a 2013 Nissan Murano, enter your ZIP code below and compare multiple personalized quotes in just a few minutes.

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2012 Nissan Murano Car Insurance

2012 Nissan Murano drivers can expect to pay an average of $83 a month for liability or $141 for full coverage.

With rates sometimes as cheap as $21 per month, MetLife offered the most affordable policy we found.

If you want to know just how much your rate will be, get free quotes in minutes by just entering your ZIP code below.

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2011 Nissan Murano Car Insurance

On average, drivers who own a 2011 Murano can expect to pay $83 to $141 monthly for liability only and full coverage insurance, respectively.

If you're looking for the lowest possible 2011 Nissan Murano insurance policy, Aspire offered the cheapest policy we found, with rates as little as just $21 per month.

Interested in what your car insurance premium could look like? Enter your ZIP code below to get a variety of free customized quotes.

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2010 Nissan Murano Car Insurance

The average cost to insure a 2010 Nissan Murano with liability only coverage is $89 a month, while full coverage runs about $133 monthly.

Looking for the lowest policy? MetLife offered liability only coverage for as cheap as just $17 per month.

While these are good estimates of what the average driver might pay to insure a 2010 Nissan Murano, these prices might differ based on your driver profile. Get free personalized quotes in minutes by just entering your ZIP code below.

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2009 Nissan Murano Car Insurance

It costs around $91 a month for liability or $146 for a full coverage policy for the 2009 Murano.

Elephant has premiums as cheap as $17 monthly for the 2009 Nissan Murano.

If you're looking for a more exact figure on what you should pay for insurance for a 2009 Nissan Murano, you can get free quotes in minutes by just entering your ZIP code below.

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Nissan Murano Insurance FAQs

Is a Nissan Murano expensive to insure?

The cost of auto insurance for the Nissan Murano is about the same as insuring the average vehicle. Liability insurance runs an average of $90 per month, while full coverage will cost you around $147.

How can I get the best price on car insurance for my Nissan Murano?

There's only one way to confirm you're getting the cheapest rates -- regularly shopping around and comparing quotes from numerous carriers. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare rates from a variety of companies at once, meaning you can find the lowest rates (or guarantee you already have the best deal) for free.

Does the color of my Nissan Murano affect my insurance premiums?

You may have heard that it costs more to insure red cars than silver or white ones, but that's actually not true. There are multiple variables car insurance carriers examine when they offer rates, but the color of your Murano is not used to make that determination.

Do I need to have insurance before I buy a Nissan Murano?

Before you can legally drive your new (or new to you) car off the dealership lot, you'll need to have a car insurance policy in place. As part of the buying process, some dealerships might offer you an insurance policy, but the best thing to do when buying a an SUV is to let your insurance carrier know before you buy.

What car insurance discounts can I get for my Nissan Murano?

You will find tons of discounts out there when it comes to auto insurance. Many of them (like "pay-in-full discounts" and "safe driver discounts") are more based on you than the vehicle you drive, but if your Murano has safety features like airbags, anti-theft systems, anti-lock brakes, and other features, it may qualify for certain discounts. To find out which discounts you may receive, talk with your insurance agent and ask about which discounts they offer, since they fluctuate quite a bit from company to company.