Nissan Maxima Car Insurance Quotes (2025)

Nissan discontinued the Maxima in 2023, but it may still be a good choice for used-car buyers looking for a four-door sedan.^[1]

Insuring a Maxima costs an average of $114 per month for basic liability coverage and $215 for full-coverage insurance. How much you’ll pay for car insurance will depend on your model year, coverage levels, driving history, and more.

Here’s what you need to know about finding car insurance for a Nissan Maxima, including average costs by model year, state, and more.

Cost of Nissan Maxima insurance by model year

One factor that insurance companies consider when setting rates is the value of your car. A vehicle that’s less costly to replace will typically cost less to insure.^[2] Older Maxima models that have depreciated more will typically qualify for lower rates than more recent models.

Here’s a look at average monthly insurance rates for Nissan Maximas by model year.

Model Year	Average Monthly Quote: Liability Only	Average Monthly Quote: Full Coverage
2023	$145	$272
2022	$137	$258
2021	$135	$254
2020	$125	$236
2019	$124	$234
2018	$121	$228
2017	$124	$233
2016	$122	$229

Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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Average cost of Nissan Maxima insurance by state

Your state and ZIP code play a significant role in determining your car insurance rate. Location-based factors that can affect insurance costs include a state’s weather trends, average costs of vehicle repairs and medical expenses, and rates of accidents, theft, and insurance fraud.

Here’s a look at the average monthly cost to insure a Nissan Maxima for each U.S. state, according to Insurify data.

Full-Coverage Rates by State

State	Average Monthly Quote
Alabama	$145
Arkansas	$260
Arizona	$177
California	$245
Colorado	$223
Connecticut	$340
Delaware	$250
Florida	$233
Georgia	$253
Iowa	$123
Idaho	$127
Illinois	$173
Indiana	$147
Kansas	$167
Kentucky	$220
Louisiana	$225
Massachusetts	$181
Maryland	$344
Maine	$153
Michigan	$281
Minnesota	$198
Missouri	$196
Mississippi	$211
Montana	$168
North Carolina	$95
North Dakota	$139
Nebraska	$178
New Hampshire	$115
New Jersey	$181
New Mexico	$161
Nevada	$285
New York	$478
Ohio	$131
Oklahoma	$181
Oregon	$163
Pennsylvania	$176
Rhode Island	$150
South Carolina	$274
South Dakota	$131
Tennessee	$152
Texas	$240
Utah	$186
Virginia	$195
Vermont	$154
Washington	$162
District of Columbia	$349
Wisconsin	$134
West Virginia	$159
Wyoming	$121

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How to ensure you have enough coverage on your Nissan Maxima

How much coverage you need will depend on your budget, vehicle condition, vehicle model year, and more. Depending on your situation, you may choose to select more or less coverage for your Nissan Maxima.

Here’s what you should know about your different coverage options.

• 

  Liability coverage

  Liability insurance can protect you if you cause an accident that results in bodily injury or property damage sustained by others. Most states require a minimum amount of liability coverage.^[3] That said, experts often recommend that you have at least $100,000 in coverage for bodily injuries per person and $300,000 per accident, as well as $100,000 in property damage coverage.

• 

  Collision coverage

  If you have an outstanding loan on your Maxima, you’ll likely need to maintain collision coverage. Collision insurance covers repairs from collisions with other vehicles or objects. You can choose a higher deductible to save on your premium. If you own the car outright and can afford to self-insure, you may opt to skip collision coverage altogether.

• 

  Comprehensive coverage

  Comprehensive insurance covers damages related to theft, fire, vandalism, natural disasters, and other perils.^[4] Your lender will likely require it if you have a loan on the car. Like collision insurance, you can adjust the deductible according to your budget and drop the coverage if you no longer have a loan.

• 

  Other required coverages

  Depending on where you live, state law may also require you to maintain personal injury protection, medical payments coverage, or uninsured/underinsured motorist coverage. To find out what you need, you can check with an insurance company or your state’s insurance department.

• 

  More optional coverages

  Some car insurance companies may offer other types of coverage, such as rental car reimbursement or accident forgiveness coverage. While these elective add-ons can come in handy, you’ll need to decide if the costs outweigh the potential benefits. Carefully consider your coverage needs.

Nissan Maxima car insurance FAQs