Best Nissan Maxima Auto Insurance in 2025 (Find the Top 10 Companies Here)

State Farm, Geico, and USAA are the top choices for the best Nissan Maxima auto insurance, offering competitive rates and comprehensive coverage.

With monthly premiums starting as low as $40, these providers stand out for their affordability and robust customer service. State Farm, in particular, leads the pack with its exceptional balance of cost and coverage, making it the ideal option for Nissan Maxima owners.

Our Top 10 Company Picks: Best Nissan Maxima Auto Insurance

Explore your options and secure the best protection for your vehicle today. 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.

#1 – State Farm: Top Overall Pick

Pros

Cons

• Higher Premiums: State Farm often commands higher premiums relative to certain competitors, which might pose a drawback for Nissan Maxima owners in search of the most economical insurance solutions.
• Limited Availability: The presence of local agents might be sparse in some regions, potentially restricting access to personalized service for a segment of Nissan Maxima owners.

#2 – Geico: Best for Affordable Rates

Pros

 

• Affordable Rates: For Nissan Maxima owners aiming to slash their insurance expenses, Geico emerges as an attractive option, offering rates that are often more competitive than many rivals.
• Wide Range of Discounts: A variety of discounts is on offer, such as those for exemplary driving habits, multi-policy bundling, advanced vehicle safety features, and even affiliations with certain organizations, all contributing to lower premiums for Nissan Maxima owners.
• Telematics Program: Geico’s DriveEasy telematics initiative rewards safe driving with additional discounts, allowing drivers to benefit from their good driving practices, as highlighted in our Geico auto insurance review.

Cons

#3 – USAA: Best for Military Discounts

Pros

Cons

• Limited Eligibility: The fact that USAA is exclusively accessible to veterans, service members, and their families restricts its availability to a larger group of Nissan Maxima owners, as mentioned in the USAA auto insurance review.
• Limited Physical Locations: With fewer brick-and-mortar offices than many other insurers, USAA may present a challenge for Nissan Maxima owners who favor face-to-face interactions and in-person service.

#4 – AAA: Best for Comprehensive Roadside Assistance

Pros

Cons

#5 – Farmers: Best for Customizable Policies

Pros

• Customized Policies: As seen in our article, “Farmers Auto Insurance Review,” Farmers provides Nissan Maxima owners with the ability to customize their policies to match their unique requirements and preferences. This is made possible by the company’s flexible and customizable coverage options.
• Multiple Discounts: Nissan Maxima owners can reduce their insurance costs by taking advantage of a number of discounts, including those for bundling policies, safe driving, and vehicle safety features. To find out how much you could save, check out our comprehensive guide titled “Farmers Auto Insurance Discounts” to see how much you could save.
• Effective Claims Management: Farmers is renowned for its effective claims management procedure, guaranteeing Nissan Maxima owners obtain timely and equitable payouts.

Cons

• Higher Premiums: Farmers Insurance might not be the ideal pick for Nissan Maxima owners seeking the most cost-effective solutions, as its rates are generally steeper compared to some competitors.
• Mixed Customer Reviews: Varied feedback on customer service suggests that Nissan Maxima owners could face inconsistent service quality, with some experiencing challenges in their interactions.

#6 – Liberty Mutual: Best for Extensive Coverage Options

Pros

• Extensive Coverage Options: Liberty Mutual offers a broad range of coverage, including accident forgiveness to keep your premium stable after your first at-fault accident, and new car replacement coverage which ensures a replacement vehicle one model year newer if your Nissan Maxima is totaled. These features provide valuable protection and mitigate financial impacts for Maxima owners.
• Numerous Discounts: Liberty Mutual provides various discounts to reduce costs for Nissan Maxima owners, such as those for advanced safety features, a clean driving history, and policy bundling with home or renters insurance. These discounts can significantly lower overall premiums.
• Better Car Replacement: With Liberty Mutual’s better car replacement coverage, if your Nissan Maxima is totaled, you receive a replacement vehicle that is one model year newer. This benefit enhances your insurance by ensuring you stay current with the latest vehicle features.

Cons

• Premiums: Liberty Mutual typically offers higher rates, which might not be the best choice for Nissan Maxima owners looking for more affordable insurance options, according to Liberty Mutual auto insurance review.
• Customer Service: Varying feedback on customer service and claims handling suggests that some Nissan Maxima owners might experience challenges with service quality.

#7 – Allstate: Best for Wide Range of Discounts

Pros

• Wide Range of Discounts: Owners of Nissan Maximas can save money on insurance by taking advantage of Allstate’s many discounts, which include those for good driving, multiple policies, and car safety features.
• Comprehensive Coverage Options: Owners of Nissan Maximas can customize their plans with Allstate’s extensive and adaptable coverage options to suit their individual requirements, as highlighted in the Allstate auto insurance review.
• Safe Driving Programs: Allstate’s Drivewise and Milewise programs reward Nissan Maxima owners for safe driving habits, potentially reducing premiums further.

Cons

• Higher Premiums: For Nissan Maxima owners searching for the most affordable solutions, Allstate may not be the best choice because of its generally higher costs when compared to certain other insurers.
• Mixed Customer Satisfaction: Varied feedback on customer service and claims processing suggests that Nissan Maxima owners could potentially face challenges with the quality of service provided.

#8 – Progressive: Best for Competitive Rates

Pros

• Competitive Rates: Progressive offers competitive rates and multiple discount options, making it an attractive choice for Nissan Maxima owners looking to save on insurance costs, according to Progressive auto insurance review.
• Usage-Based Discounts: Progressive’s usage-based insurance program, Snapshot, can provide additional savings for Nissan Maxima owners who demonstrate safe driving habits.
• Comprehensive Coverage: Progressive offers a wide range of coverage options, allowing Nissan Maxima owners to tailor their policies to meet their specific needs.

Cons

• Mixed Claims Satisfaction: Some customers report issues with the claims process, including delays and difficulties in getting claims approved, which could be a concern for Nissan Maxima owners who rely on prompt and efficient service.
• Customer Service Issues: Some customers report issues with customer service quality, which could be a concern for Nissan Maxima owners who value reliable support.

#9 – Nationwide: Best for Extensive Coverage Options:

Pros

• Extensive Coverage Options: Nationwide offers extensive and customizable coverage options, allowing Nissan Maxima owners to tailor their policies to meet their specific needs.
• Variety of Discounts: Various discounts are available for safe driving, vehicle safety features, and bundling policies, helping Nissan Maxima owners save on their premiums.
• Accident Forgiveness: Nationwide offers accident forgiveness, which can prevent premium increases after the first at-fault accident for Nissan Maxima owners.

Cons

• Higher Premiums: For Nissan Maxima owners searching for the most affordable options, Nationwide might not be the best choice because its rates are typically higher than those of some of its rivals.
• Claims Process Delays: Some customers report delays in the claims process, which could be a concern for Nissan Maxima owners who rely on prompt and efficient service, as noted in the Nationwide auto insurance review.

#10 – Travelers: Best for Comprehensive Coverage

Pros

• Comprehensive Coverage: Travelers offers comprehensive coverage options, including gap insurance and new car replacement, which can be beneficial for Nissan Maxima owners.
• Discounts: Multiple discounts are available for safe driving, bundling policies, and vehicle safety features, helping Nissan Maxima owners reduce their insurance costs.
• Claims Service: Generally positive reviews for their claims service ensure that Nissan Maxima owners receive prompt and fair settlements, as highlighted in the Travelers auto insurance review.

Cons

• Higher Premiums: Travelers generally has higher premiums compared to some competitors, which may not be ideal for Nissan Maxima owners seeking the most affordable options.
• Mixed Customer Service Reviews: Customers who have experienced problems with customer care suggest that owners of Nissan Maximas may experience variations in the quality of their services.

Nissan Maxima Auto Insurance Monthly Rates by Coverage Level & Provider

By exploring these elements, you can make informed decisions and find the most cost-effective insurance for your Maxima. The average Nissan Maxima auto insurance costs are $1,576 a year or $131 a month.

Nissan Maxima Auto Insurance Monthly Rates by Coverage Type

In summary, comprehending the insurance costs for your Nissan Maxima helps you choose the right coverage and provider. By considering factors like vehicle age, driving history, and location, you can secure the best protection at a reasonable rate. Make sure to compare quotes and review your options to ensure you get the most value for your insurance investment.

Comparing the Nissan Maxima’s insurance costs to those of rival sedans, such as the Honda Civic, Volkswagen Passat, and Buick Regal, as shown in the chart below. For further details, check out our in-depth “Auto Insurance Quotes Online” article.

Nissan Maxima Auto Insurance Monthly Rates vs. Other Cars by Coverage Type

However, there are a number of steps you can take to identify and secure the most cost-effective insurance rates for your Nissan when searching online. By utilizing various strategies and comparison tools, you can find the best deals and ensure you are getting the lowest possible rates.

Age of the Vehicle

Nissan Maxima Auto Insurance Monthly Cost by Model Year & Coverage Type

This $27 difference highlights how newer vehicles, with their higher value and potentially more expensive repairs, result in higher insurance premiums compared to older models.

Driver Age

The cost of insurance for your Nissan Maxima is significantly influenced by your age. Because younger drivers are perceived by insurance companies as carrying a larger risk, rates are raised. For example, a 30-year-old’s coverage might cost around $69 more annually than a 40-year-old’s.

Nissan Maxima Auto Insurance Monthly Rates by Age

This disparity results from the perception that younger drivers carry a larger risk due to factors like inexperience and a higher likelihood of accidents.

As drivers age and gain experience, they are often seen as less of a risk, which frequently results in lower insurance costs. Because of this, age has a significant role in determining insurance costs, with older and more experienced drivers often paying less.

Driver Location

Your location can profoundly influence your Nissan Maxima insurance rates, with significant variations stemming from regional factors like traffic congestion, accident frequencies, and crime statistics. For example, drivers in Los Angeles might encounter insurance premiums up to $73 higher per month compared to those in Phoenix.

Nissan Maxima Auto Insurance Monthly Rates by City

This discrepancy arises because urban centers like Los Angeles grapple with denser traffic, higher accident rates, and increased vehicle theft risks, all driving up insurance costs. In contrast, cities with lighter traffic and lower crime rates, such as Phoenix, generally benefit from more affordable premiums.

Understanding how your geographic area impacts your insurance expenses can aid in managing costs more effectively and making well-informed coverage choices.

Your Driving Record

Nissan Maxima Auto Insurance Monthly Rates by Age & Driving Record

This demographic typically faces the highest increases in insurance costs when their driving record includes violations, such as speeding tickets or at-fault accidents.

Since younger drivers are statistically more likely to be involved in traffic incidents, insurers view them as higher risk, which translates to steeper insurance rates. Therefore, maintaining a clean driving record is crucial for minimizing insurance expenses and securing the most favorable rates.

Nissan Maxima Safety Ratings

The Nissan Maxima boasts strong crash test ratings, reflecting its commitment to safety and occupant protection. These ratings highlight the vehicle’s ability to withstand and minimize the impact of collisions, making it a reliable choice for safety-conscious drivers.

The Nissan Maxima’s safety ratings will affect your Nissan Maxima auto insurance rates. See the chart below:

Nissan Maxima Safety Ratings

Overall, the Nissan Maxima’s excellent crash test ratings offer reassurance of its robust safety performance. These ratings underscore the vehicle’s ability to effectively protect occupants in the event of a collision, contributing to a safer driving experience and enhancing peace of mind for both drivers and passengers.

Nissan Maxima Crash Test Ratings

The Nissan Maxima consistently achieves high crash test ratings, reflecting its commitment to advanced safety features and occupant protection. These ratings showcase the vehicle’s ability to perform well in various collision scenarios, providing confidence in its safety standards.

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:

Nissan Maxima Crash Test Ratings

Thanks to its strong crash test ratings, the Nissan Maxima offers excellent protection for both drivers and passengers. This impressive safety performance underscores its reliability and makes it a standout choice for those who prioritize safety in their vehicle selection.

Nissan Maxima Safety Features

A comprehensive array of safety measures intended to safeguard drivers and passengers is standard on the Nissan Maxima. To improve on-road safety, key features include Vehicle Dynamic Control with Traction Control, an improved airbag system, and advanced driver aid systems like Nissan Safety Shield 360.

The Nissan Maxima’s many safety features aid in bringing down insurance costs. The following safety features are available in the 2020 Nissan Maxima:

• Driver Air Bag
• 4-Wheel ABS
• Brake Assist
• Daytime Running Lights
• Child Safety Locks