Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year with full coverage. Comprehensive costs an estimated $110, collision costs $98, and liability coverage is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing around $1,730. 16-year-old drivers cost the most to insure at $3,396 a year or more.

Average premium for full coverage: $808

Policy rates broken down by type of insurance:

Rate estimates include $500 deductible amounts, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. More rural locations are shown to have lower incidents of collision claims than congested cities.

The example below illustrates how location impacts insurance prices.

The examples above demonstrate why everyone should get quotes for a targeted area, rather than using rate averages.

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

More Rate Details

The chart below details estimated Nissan Xterra insurance rates for other coverage scenarios.

• The best full coverage rate is $511
• Choosing higher $1,000 deductibles can save approximately $46 annually
• The estimated price for a good driver age 40 who has $500 deductibles is $808
• Buying pricier low deductibles for comp and collision coverage bumps up the cost to $896
• Drivers with multiple tickets or accidents could pay up to $1,730 or more
• Policy cost that insures a teenage driver for full coverage can cost as much as $3,396 each year

View Chart as Image

Insurance rates for a Nissan Xterra also range considerably based on the model of your Xterra, your age and driving habits, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you may be forking out $1,000 to $1,400 additional every year, depending on your age. Nissan Xterra insurance for high-risk drivers ranges around 41% to 137% more than the average rate. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may only pay around $800 annually on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records should be prepared to pay at least $3,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Nissan Xterra insurance rates. A good driver about age 40 could pay as low as $590 a year in states like Utah, Ohio, and New Hampshire, or at least $1,100 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles can save as much as $140 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to regularly compare rates and see how they stack up. Each auto insurer utilizes a different rate formula, and rates will be varied.

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 the Best Nissan Xterra Insurance

Finding cheaper rates on auto insurance takes having a good driving record, having a good credit score, not filing small claims, and maximizing policy discounts. Comparison shop every couple of years by requesting quotes from direct companies, and also from insurance agencies where you live.

The next list is a brief recap of the material that was touched on above.

• Consumers who want increased levels of liability coverage will pay around $490 every year to raise limits from a 30/60 limit to the 250/500 level
• Drivers age 20 and younger are expensive to insure, as much as $283 each month if comprehensive and collision insurance is included
• Drivers who tend to receive serious violations could be forced to pay on average $920 more annually to buy Nissan Xterra insurance
• Increasing comprehensive and collision deductibles can save approximately $125 each year