Nissan Xterra Insurance Rates

Estimated insurance prices for a Nissan Xterra are $808 every 12 months including full coverage. Comprehensive costs on average $110, collision insurance costs $98, and liability insurance costs $442. A policy with only liability insurance costs as little as $496 a year, and a high-risk policy costs around $1,730. Teens pay the most at up to $3,396 a year.

Average premium for full coverage: $808

Premium estimates by type of coverage:

Price estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 U.S. states and for different Xterra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas are statistically proven to have more infrequent comprehensive and collision claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on car insurance rates.

These rate differences highlight why anyone shopping for car insurance should compare rates based on a specific location and their own driving history, rather than relying on averaged prices.

Use the form below to get customized rates for your location.

More Rate Information

The chart below breaks down average Nissan Xterra insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $511
• Drivers who choose higher $1,000 deductibles will pay around $46 every year
• The average price for a 40-year-old good driver with $500 deductibles is $808
• Selecting more expensive low deductibles for comprehensive and collision insurance increases the price to $896
• High risk drivers with serious driving violations could pay upwards of $1,730
• An auto insurance policy to insure a teen driver with full coverage may cost $3,396 a year

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Car insurance prices for a Nissan Xterra also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level of your Xterra.

Choosing higher comprehensive and collision insurance deductibles could save up to $140 each year, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles could pay as little as $800 per year on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged upwards of $3,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at a minimum $1,000 to $1,400 extra annually, depending on your age. High-risk driver insurance can cost anywhere from 41% to 137% more than the average policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Nissan Xterra insurance rates. A 40-year-old driver could pay as low as $620 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,160 on average in Michigan, New York, and Louisiana.

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Insurance Rates by Trim Level and Model Year

Rates assume 2004 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

How to Shop for Cheaper Nissan Xterra Insurance

Finding better rates on Nissan Xterra insurance not only requires being a good driver, but also maintaining a good credit score, refrain from filing small claims, and possibly raising deductibles. Set aside time to compare rates at least once a year by obtaining price quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The following list is a condensed summary of the primary concepts that were covered above.

• You may be able to save as much as $80 per year just by shopping early and online
• High-risk drivers with multiple at-fault accidents may pay on average $920 more each year than a safer driver
• Increasing policy deductibles could save as much as $125 each year
• Drivers age 16 to 20 are expensive to insure, with the cost nearing $283 per month if the policy includes full coverage