2002 Nissan Xterra Insurance Rates
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UPDATED: Apr 23, 2020
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Average insurance rates for a 2002 Nissan Xterra are $822 a year with full coverage. Comprehensive costs approximately $114, collision insurance costs $104, and liability insurance costs around $446. Buying a liability-only policy costs as low as $500 a year, and high-risk insurance costs around $1,758. Teenage drivers receive the highest rates at up to $3,442 a year.
Annual premium for full coverage: $822
Rate estimates for 2002 Nissan Xterra Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2002 Nissan Xterra models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a 40-year-old driver, prices range range from as low as $500 for just liability coverage to the much higher price of $1,758 for high-risk insurance.
These differences demonstrate why everyone should compare prices using their specific location and risk profile, rather than relying on average rates.
Use the form below to get rates for your location.
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Recommended Companies for Cheap 2002 Nissan Xterra Insurance
Want better car insurance rates for your Nissan Xterra? Overpriced Nissan Xterra insurance can dwindle your personal savings and make it impossible to make ends meet. Comparison shopping is free, only takes a few minutes, and is a good way to lower your monthly bill.
Big companies like State Farm, Progressive and GEICO constantly blast consumers with ads and it is difficult to sift through the bull and take the time to shop coverage around.
Smart consumers take time to price shop coverage once or twice a year because prices go up and down regularly. Even if you think you had the best deal on Xterra coverage a year ago you can probably find a lower rate today. Forget all the misinformation about car insurance because you’re about to find out the easiest way to get good coverage at a lower rate.
If you have car insurance now, you will be able to save some money using these tips. Choosing the best insurance company for you is not that difficult. But consumers benefit from understanding the methods companies use to sell insurance online and take advantage of how the system works.
Discounts mean cheaper Nissan Xterra insurance rates
Car insurance is not cheap, buy you may qualify for discounts that many people don’t even know exist. Some trigger automatically when you get a quote, but a few must be specifically requested prior to getting the savings.
- Discount for Good Grades – This discount can save 20 to 25%. The discount lasts until age 25.
- One Accident Forgiven – Certain companies will forgive one accident before your rates go up as long as you don’t have any claims prior to the accident.
- Early Signing – A few companies offer discounts for buying a policy prior to your current policy expiration. This can save 10% or more.
- Paperless Signup – Certain companies will give a small break for buying your policy over the internet.
- Organization Discounts – Belonging to a professional or civic organization may earn a discount when shopping for insurance on Xterra coverage.
- Service Members Pay Less – Having a deployed family member can result in better rates.
- Low Mileage – Low mileage vehicles can qualify you for a substantially lower rate.
- Theft Prevention System – Anti-theft and alarm systems are stolen less frequently and earn discounts up to 10%.
- Use Seat Belts – Requiring all passengers to wear their seat belts can save 10% or more off your PIP or medical payments premium.
- Passive Restraints – Vehicles equipped with air bags or motorized seat belts can qualify for discounts up to 30%.
Consumers should know that most discount credits are not given the whole policy. Some only reduce specific coverage prices like liability, collision or medical payments. So despite the fact that it appears you would end up receiving a 100% discount, it doesn’t quite work that way. Any qualifying discounts will bring down your premiums.
For a list of companies offering insurance discounts, follow this link.
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Tailor your coverage to you
When buying adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s so your insurance needs to address that. These are some specific questions may help highlight whether or not you could use an agent’s help.
- Is my babysitter covered when using my vehicle?
- Can I make deliveries for my home business?
- Am I covered if I crash into my own garage door?
- Does my policy pay for OEM or aftermarket parts?
- Does insurance cover tools stolen from my truck?
- Should I rate my 2002 Nissan Xterra as pleasure use or commute?
- Do I really need UM/UIM coverage?
- What can I do if my company denied a claim?
- Do I need motorclub coverage?
- Should I sign the liability waiver when renting a car?
If you’re not sure about those questions then you might want to talk to an agent. To find an agent in your area, fill out this quick form or click here for a list of auto insurance companies in your area.
Do drivers who switch really save $495 a year?
Companies like Allstate and Progressive continually stream ads on TV and radio. All the ads make the same claim of big savings after switching your policy. How do they all claim to save you money? This is how they do it.
All the different companies can use profiling for the type of customer that is profitable for them. For example, a driver they prefer could possibly be between 25 and 40, is a homeowner, and has a high credit rating. A customer who fits that profile will get very good rates and as a result will probably cut their rates substantially.
Consumers who are not a match for the requirements will be quoted a more expensive rate which usually ends up with business going elsewhere. Company advertisements say “customers that switch” but not “drivers who get quotes” save money. That is how companies can claim big savings.
This emphasizes why drivers should get as many comparisons as possible. It is impossible to predict which company will give you the biggest savings on Nissan Xterra insurance.
Specifics of your insurance policy
Learning about specific coverages of your policy helps when choosing the best coverages and proper limits and deductibles. The terms used in a policy can be confusing and even agents have difficulty translating policy wording. Shown next are the usual coverages found on the average insurance policy.
UM/UIM (Uninsured/Underinsured Motorist) coverage – Your UM/UIM coverage protects you and your vehicle from other drivers when they do not carry enough liability coverage. This coverage pays for hospital bills for your injuries as well as damage to your Nissan Xterra.
Because many people have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage is important protection for you and your family. Most of the time your uninsured/underinsured motorist coverages are set the same as your liablity limits.
Liability insurance – Liability insurance provides protection from injuries or damage you cause to other’s property or people that is your fault. This insurance protects YOU from legal claims by others, and doesn’t cover your injuries or vehicle damage.
Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and property damage coverage for $50,000. Another option is a combined single limit or CSL which combines the three limits into one amount without having the split limit caps.
Liability insurance covers claims such as emergency aid, loss of income and pain and suffering. How much coverage you buy is your choice, but consider buying as high a limit as you can afford.
Medical payments and PIP coverage – Coverage for medical payments and/or PIP reimburse you for expenses for EMT expenses, nursing services and pain medications. The coverages can be used to fill the gap from your health insurance policy or if there is no health insurance coverage. Coverage applies to all vehicle occupants as well as getting struck while a pedestrian. Personal injury protection coverage is not an option in every state but can be used in place of medical payments coverage
Collision coverage – Collision coverage covers damage to your Xterra resulting from colliding with an object or car. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision insurance covers claims like rolling your car, hitting a parking meter, crashing into a ditch and backing into a parked car. Paying for collision coverage can be pricey, so analyze the benefit of dropping coverage from vehicles that are older. You can also choose a higher deductible in order to get cheaper collision rates.
Comprehensive auto coverage – This coverage pays for damage from a wide range of events other than collision. You first have to pay a deductible then your comprehensive coverage will pay.
Comprehensive insurance covers things like a broken windshield, vandalism, hitting a bird and hitting a deer. The most you can receive from a comprehensive claim is the actual cash value, so if it’s not worth much more than your deductible consider removing comprehensive coverage.
Buy online or local, you save
Cost effective 2002 Nissan Xterra insurance can be bought online and with local insurance agents, and you need to price shop both so you have a total pricing picture. Some insurance companies do not offer the ability to get a quote online and most of the time these regional insurance providers sell through independent agents.
When you buy insurance online, it’s not a good idea to skimp on critical coverages to save a buck or two. There have been many situations where drivers have reduced liability coverage limits to discover at claim time that the few dollars in savings costed them thousands. The proper strategy is to find the BEST coverage at an affordable rate while not skimping on critical coverages.
More detailed auto insurance information is available in these articles:
- Young Drivers: The High Risk Years Video (iihs.org)
- Vehicle Insurance (Wikipedia)
- Child Safety Seats (Insurance Information Insitute)
- Rental Reimbursement Coverage (Allstate)
Rates by U.S. City
|New York City, NY||$1,302|
|Los Angeles, CA||$1,407|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$44|
|5-yr Claim Free||$50|
|Paid in Full/EFT||$25|
Discounts are estimated and may not be available from every company or in every state.