Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive costs approximately $110 a year, collision insurance costs $98, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, and high-risk insurance costs around $1,730. Teenage drivers cost the most to insure at up to $3,396 a year.

Average premium for full coverage: $808

Policy rates by type of insurance:

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of auto insurance. Rural locations are shown to have a lower frequency of physical damage claims than densely populated cities. The diagram below illustrates how your location can change auto insurance prices.

The examples above illustrate why it is important to compare rates using their specific location and risk profile, rather than relying on average rates.

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

Additional Charts and Tables

The chart below illustrates average Nissan Xterra insurance rates for additional coverage and risk scenarios.

• The best discount rate is $511
• Drivers who choose higher $1,000 deductibles will pay $762 each year
• The average rate for a good driver age 40 who chooses $500 deductibles is $808
• Using low $100 deductibles for comprehensive and collision insurance will increase the cost to $896
• High risk drivers who are prone to accidents and violations could pay around $1,730
• Policy cost for full coverage for a teen driver can cost $3,396 a year

View Chart as Image

Car insurance rates for a Nissan Xterra also range considerably based on your risk profile, the model year and trim level, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles could pay as little as $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $3,300 a year. View Rates by Age

Your home state makes a big difference in Nissan Xterra insurance rates. A 40-year-old driver could pay as low as $530 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,100 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $140 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying anywhere from $1,000 to $1,400 extra every year, depending on your age. A high-risk auto insurance policy can cost anywhere from 41% to 137% more than a normal policy. View High Risk Driver Rates

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 Find Low Cost Nissan Xterra Insurance

Finding cheaper rates on Nissan Xterra insurance not only requires being safe and accident-free, but also having above-average credit, being claim-free, and attention to physical damage deductibles. Invest the time to shop around every time your policy renews by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a review of the information illustrated above.

• It is possible to save around $80 per year just by quoting early and online
• Youthful drivers pay the highest auto insurance rates, possibly costing $283 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save around $125 each year
• High-risk drivers who have several accidents or serious violations may pay on average $920 more per year than a low-risk driver
• Drivers who purchase more liability protection will pay an extra $490 annually to go from a 30/60 limit to 250/500 limits