Nissan Maxima Car Insurance Quotes (2026)

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 is based on real-time quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

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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.

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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

The following information can help answer your remaining questions about insuring your Nissan Maxima.

Which company has the cheapest Nissan Maxima insurance?

USAA, GEICO, and State Farm offer the lowest average rates for Nissan Maxima drivers. That said, each insurance company approaches pricing differently, so it’s a good idea to shop around and compare quotes from multiple insurers.

Are Nissan Maximas expensive to insure?

The Nissan Maxima tends to be a bit more expensive to insure than similar midsize sedans. For example, insuring a Nissan Maxima costs more on average than the average cost to insure a Honda Accord or a Toyota Camry, according to Insurify data.

How much does it cost to insure a Nissan Maxima?

The average cost to insure a Nissan Maxima is $164 per month. By coverage level, drivers pay an average of $114 per month for liability-only coverage or $215 for full-coverage insurance.

Why did Nissan discontinue the Maxima?

After 42 years of production, Nissan shut down the Maxima line after releasing the 2023 model. According to the manufacturer, the decision was due to the company’s shift to focus on electric vehicles. The company also cited that sales of the model were struggling as consumers gravitated more to SUVs.^[5]