Nissan Xterra Insurance Rates

Average insurance prices for a Nissan Xterra are $808 every 12 months including full coverage. Comprehensive insurance costs around $110, collision costs $98, and liability insurance is $442. A liability-only policy costs around $496 a year, with high-risk insurance costing $1,730 or more. Teenage drivers receive the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Rate estimates for individual coverage type:

Full coverage includes $500 physical damage deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 U.S. states and for different Xterra trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population tend to have more infrequent comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location helps determine auto insurance rates.

These examples highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, rather than relying on average rates.

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 choices and driver risks.

• The best discount rate is $511
• Raising to $1,000 deductibles will save about $46 every year
• The average price for a 40-year-old driver using $500 deductibles is $808
• Using more expensive low deductibles costs an extra $88 a year
• Higher-risk drivers who are prone to accidents and violations could pay at least $1,730 or more
• The cost to insure a teen driver with full coverage can be $3,396

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Insurance rates for a Nissan Xterra can also vary considerably based on policy deductibles and limits, your driving characteristics, and the trim level and model year.

Using high physical damage deductibles can reduce rates by up to $140 each year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 liability limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles could pay as little as $800 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay as much as $3,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are likely paying at least $1,000 to $1,400 extra per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 41% to 137% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Nissan Xterra insurance rates. A middle-age driver might find rates as low as $620 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,160 on average in Michigan, New York, and Louisiana.

View Chart as Image

With so much variability in rates, the best way to figure out your exact price is to compare rates from as many companies as possible. Every auto insurance company uses a different method to calculate rates, so the rates can be significantly different.

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 More Affordable Nissan Xterra Insurance

Saving money on Nissan Xterra insurance consists of being a safe and courteous driver, having good credit, not filing small claims, and insuring your home and auto with the same company. Invest time comparing rates once a year by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below is a summary of the data that was covered in the charts and tables above.

• You may be able to save up to $80 per year simply by shopping early and online
• Drivers who may need higher levels of liability will pay an extra $490 per year to raise from a minimum limit to a 250/500 level
• Teenage drivers pay higher rates, as much as $283 per month if they have full coverage
• High-risk drivers who have multiple accidents or major violations could be forced to pay on average $920 more every year for auto insurance