Is Nissan Murano cheap to insure?

Inexpensive vehicles tend to be cheaper to insure than luxury vehicles, and since the Nissan Murano is a budget-friendly car, your insurance might cost less. That said, vehicle make and model are not the only factors influencing the cost of car insurance. Rather, when calculating your Nissan Murano insurance premium, an insurance provider will assess your age, location, driving record, claims history, and more.

Is Nissan Murano car insurance mandatory in Canada?

Yes, Nissan Murano car insurance is mandatory in Canada. No matter what type of vehicle you drive or where you live in Canada, you must purchase car insurance. Before purchasing a Nissan Murano car insurance place, make sure it complies with the minimum requirements in your province.

Nissan Murano Insurance

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The Nissan Murano is a popular mid-size crossover SUV from Nissan, known for its safety, power, and fuel efficiency—a favourite among Canadians! If you are driving a Nissan Murano, you’ll need the right car insurance to go with it. That’s where BrokerLink comes in—we can help you find the perfect coverage for your needs.

BrokerLink compares rates from a wide range of providers, ensuring you get the best deals available.

What is Nissan Murano car insurance?

Basically, Nissan Murano car insurance is the same as any other Nissan insurance except that it's tailored specifically for your Murano. This means it's a contract between you and an insurance company to protect your Murano. You pay a regular premium, and in return, they’ll help cover costs if your vehicle gets damaged in an accident or from things like theft or vandalism.

Your coverage may cover things like third-party injuries and property damage, legal fees, medical bills, funeral expenses, and the cost to repair or replace your vehicle after a collision. Having car insurance is mandatory in Canada. However, what’s covered in your policy depends on the rules in your province and any additional coverage options you choose to add to your policy.

Types of Nissan Murano car insurance coverage

Auto insurance is a must in Canada, whether you drive a Nissan Murano or another vehicle. That said, not all coverages are mandatory. Here’s a breakdown of the types of auto insurance coverage available for Nissan Murano drivers—some required, some optional:

Mandatory

Optional

Third-party liability car insurance protects you financially if you are responsible for property damage or injuries to others. It also covers legal fees if necessary. Most drivers opt for at least $1 or $2 million in coverage, but the minimum required is $50,000 in Quebec, $500,000 in Nova Scotia, and $200,000 in other provinces.

[Not mandatory in Newfoundland] Accident benefits coverage provides financial support for medical or rehabilitation costs if you or someone you injure is hurt in a car accident. It can also help cover lost income if you are unable to work because of your injuries and compensation for funeral expenses.

[Not mandatory in Ontario] Direct compensation-property damage (DCPD) coverage is available in Alberta, Ontario, Quebec, and Atlantic Canada. It’s part of a no-fault insurance system, which means you only deal with your own insurer for damage claims. Your insurance company covers your costs, no matter who’s at fault.

[Not mandatory in Alberta] Uninsured auto coverage covers you if you are in an accident with a driver who doesn’t have insurance or doesn’t have enough coverage. It also applies to hit-and-run situations, giving you extra peace of mind.

Collision coverage covers the cost of repairing your Nissan Murano if it’s damaged in an accident, whether you hit another vehicle or a stationary object like a tree or pole. It’s optional in most provinces, except in Manitoba and Saskatchewan, where it’s already included in standard auto policies.

Comprehensive coverage covers you for non-collision risks, like theft, fire, vandalism, weather damage, and falling objects. If your Nissan Murano is stolen or damaged in these situations, comprehensive coverage can help cover the cost of repairs or replacement. Like collision, comprehensive is optional.

One final type of optional car insurance coverage popular among Nissan Murano drivers is accident forgiveness. Accident forgiveness is additional coverage that can be added to your car insurance policy as an endorsement to protect your driving record and to help prevent your insurance premium from increasing if you have an at-fault accident claim. Note: coverage varies by province

If you're buying a new car, adding this coverage to your policy is worth considering. It ensures you're covered for the full value of your vehicle without factoring in depreciation. That means if your car is stolen or totalled, you'll be reimbursed for the cost of a brand-new vehicle—not just what it's worth after wear and tear.

If you ever get into an accident and your car needs repairs, loss of use coverage has your back. While your car is in the shop, this coverage helps pay for other ways to get around—whether that's hopping on public transit, using ride shares, or renting a car. It can be a real lifesaver, especially if your car ends up being out of commission for days or even weeks.

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How to save money on Nissan Murano auto insurance

At BrokerLink, we’re all about helping you save on car insurance. That’s why we work hard to find affordable coverage for your Nissan Murano. Here are some tips to help you keep your insurance costs down:

Discounts

Maintain a safe driving record

Insurance companies reward low-risk drivers with lower rates. That means keeping a good driving record—fewer claims and no traffic tickets. At-fault accidents and driving convictions can stay on your record for years and cause your rates to skyrocket. Drive safely, and you’ll enjoy the best rates!

Attend a driving school

Young drivers looking to lower their insurance costs can consider signing up for driving school. Accredited driving courses can help you become a more confident and safer driver—and could even get you a discount on your car insurance.

Track your driving

Many car insurance companies now offer apps that track your driving habits, called usage-based insurance (UBI). These apps reward safe driving with discounts. By keeping an eye on your own driving—like not driving too far or too often and practicing smooth braking—you can earn savings. In fact, sharpening your skills behind the wheel could save you up to 25% on your Nissan Murano car insurance.

Bundle other policies

Bundling your other insurance policies—like combining your auto and home insurance with the same provider—can lead to big savings. The discount usually applies to both policies, helping you save even more. You can also bundle your car insurance with other policies, like recreational vehicle insurance. Bundling is a great way to ensure you are getting the best rates with the added discount.

Get winter tires

Adding winter tires to your Nissan Murano is a great way to save on car insurance here in Canada. With their improved traction on snow and ice, winter tires make driving safer during Canada's harsh winters. Many insurance companies offer a winter tire discount—sometimes as much as 5% off your premium—as a reward for this safety upgrade.

Savings Options

Partner with an insurance broker

One of the smartest ways to save on your Nissan Murano auto insurance is by working with a licensed brokerage like BrokerLink. Our insurance brokers have access to multiple top insurance companies, so we can help you compare quotes, uncover discounts, and customize your policy to make sure you are only paying for the coverage you actually need.

Inquire about discounts

Reach out to an insurance broker or agent to explore car insurance discounts that might apply to you. For example, many insurers offer special discounts for members of professional organizations or affiliation groups, so it’s worth asking if you qualify!

Pay annually

Paying your premiums upfront for the year—or even for six months—can save you money compared to paying monthly. Monthly payments often come with extra administrative fees that can add up over time, costing you more overall.

Increase your deductible

Your car insurance deductible is the amount you pay out of pocket if something happens to your Nissan Murano before your insurance kicks in to cover the rest. Choosing a higher deductible can lower your annual premiums—just make sure it’s an amount you are comfortable paying if you need to.

Insure all cars together

If your Nissan Murano isn’t your only car, bundling all your car insurance policies with the same provider can help you save. For instance, if you have a second vehicle for your spouse or adult child, insuring both together could get you a multi-car discount of 15% to 20% on each policy.

How much Nissan Murano auto insurance costs

Nissan Murano car insurance rates can vary from driver to driver since premiums are based on more than just the car’s make and model. However, the Murano is one of the more affordable Nissan models to insure. It often costs less than other Nissan vehicles like the Versa, Rogue, Altima, Maxima, and Leaf.

That being said, car insurance companies in Canada consider many factors when calculating your Nissan Murano car insurance premiums. While the make, model, and year of your car play a big role, there are several other things that also can have a big impact on what you’ll pay for coverage, such as:

Location
Age
Driving experience
Driving record
Annual mileage
How you use your vehicle
Marital status
Past claims
How often you drive
Your deductible
The type of coverage you choose

The cost of insuring your Nissan Murano depends on all these factors we've listed above and more. To find out exactly what your insurance rates will be, it’s a good idea to compare Murano car insurance quotes with BrokerLink. Our expert team can provide customized car insurance quotes for a range of other Nissan models—not just Nissan Muranos.

About the Nissan Murano

The Nissan Murano is a mid-size crossover SUV that has been a staple in Nissan's lineup since its debut in 2002 for the 2003 model year. Over the years, it has evolved through multiple generations, with the latest fourth generation revealed in October 2024.

As Nissan's first crossover SUV for the U.S. and Canadian markets, the Murano was designed at Nissan America in La Jolla, California, and built on the Nissan FF-L platform, also used by the third-generation Altima. From 2011 to 2014, the Murano even had a convertible option—the unique Murano CrossCabriolet—available in its second generation.

The newest fourth-generation Murano takes inspiration from the sleek design of the Nissan Ariya electric crossover, which comes packed with modern features. These include ventilated and massaging front seats, dual 12.3-inch displays for the instrument cluster and infotainment system, wireless Apple CarPlay and Android Auto, Nissan ProPilot Assist 1.0 and 1.1, and a colour heads-up display, making it the most advanced Murano yet.

Nissan Murano fun facts

The Nissan Murano is named after the Italian city of Murano, famous for its Venetian glassware
The first-ever Nissan Murano was unveiled at the New York International Auto Show in 2002
It was nominated for the North American Truck of the Year award in 2003
It received the highest ratings from the Insurance Institute for Highway Safety in front-, side-, and rear-impact evaluations in 2010
Nissan introduced the eco-friendly Murano Hybrid model in 2016

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Plus, don’t miss out on our free quotes for Nissan Murano car insurance. With our online quote tool, you can get a quote in just minutes—it’s quick, easy, and completely free.

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FAQs

Have questions? Our FAQ section has the answers you're looking for. Find helpful information to guide you through your options.

How do I renew my car insurance policy?

Renewing your car insurance is actually very easy. Before your policy expires, your insurance company will send you the details for your next term. Take a moment to review it and make sure it still meets your needs. If everything looks good and your provider offers automatic renewals, you are all set—it will renew on its own. If automatic renewal isn’t an option, or if you want to make any changes to your policy, you'll need to contact your insurance provider directly.

How do I buy a new car?

There's a lot that goes into buying a new car. First, you'll need to do your research on the vehicle you want to make sure it fits your needs. Then, you'll need to decide if you want to buy brand new or used—weigh the pros and cons of both to help. Next, you'll need to ask yourself things like how much you can afford to pay and whether this car will fit your lifestyle. Finally, you'll want to visit the dealership at the right time of year to test drive the vehicle and negotiate the right price. If you are still unsure, you can check out this ultimate guide to buying a new car to help you sort through what you need to know.

How do I renew my expired car insurance?

It depends on how long your car insurance has expired. If you catch it right away, you can probably still renew it. Many insurance companies offer a grace period, usually between 14 and 30 days after your policy expires. Just contact your insurance company and tell them that you missed your renewal date, but you are still within your grace period, and you want to renew.

However, if you are past that grace period, you’ll likely need to start fresh and apply for a whole new policy. Keep in mind that having a lapse in coverage on your record could mean a higher premium when you reapply.

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