Nissan Xterra Insurance Rates

Estimated auto insurance rates for a Nissan Xterra are $808 annually including full coverage. Comprehensive costs approximately $110, collision costs $98, and liability costs around $442. Liability-only coverage costs as low as $496 a year, with high-risk coverage costing around $1,730. Teen drivers pay the most at $3,396 a year or more.

Average premium for full coverage: $808

Premium estimates by type of coverage:

Estimates include $500 deductibles, liability coverage up to 30/60, and includes UM/UIM and medical 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

Where you live can have significant affects on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than larger metro areas.

The price range example below illustrates how location impacts auto insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare prices using their specific location and their own personal driving habits, instead of using price averages.

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

Rates by State, City, and Model

The chart below breaks down estimated Nissan Xterra insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $511
• Using higher $1,000 deductibles will save $46 every year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $808
• Choosing more expensive low deductibles for physical damage coverage will cost $896
• Drivers with multiple violations and an at-fault accident could pay around $1,730 or more
• An auto insurance policy with full coverage for a teen driver with full coverage can cost $3,396 or more

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

An older driver with a clean driving record and high physical damage deductibles may pay as little as $800 a year, or $67 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $3,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,000 to $1,400 extra annually, depending on your age. High-risk driver insurance can be as much as 41% to 137% more than average. View High Risk Driver Rates

Choosing high deductibles could cut prices by as much as $140 every year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Nissan Xterra insurance prices. A driver around age 40 might see prices as low as $620 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,160 on average in Louisiana, New York, and Michigan.

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With such a large range in prices, the best way to figure out who has the best auto insurance prices is to compare prices and see which company has the best price. Each insurance company uses a different rate calculation, so the prices will be substantially different between companies.

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 Buy Low Cost Nissan Xterra Insurance

Finding better rates on car insurance requires not taking risks behind the wheel, having a good credit history, refrain from filing small claims, and maximizing policy discounts. Spend time shopping around every time your policy renews by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The following is a review of the information touched on above.

• You may be able to save around $80 per year simply by shopping early and online
• Teens are expensive to insure, with the cost nearing $283 per month including comprehensive and collision insurance
• Increasing policy deductibles could save up to $125 each year
• Higher risk drivers who have several accidents or serious violations may have to pay on average $920 more per year for Xterra insurance
• Policyholders who purchase higher liability limits will pay about $490 per year to increase from 30/60 bodily injury limits to higher 250/500 limits