Nissan Xterra Insurance Rates

U.S. average auto insurance rates for a Nissan Xterra are $808 annually with full coverage. Comprehensive costs approximately $110 a year, collision costs $98, and liability insurance is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing around $1,730. Teenage drivers pay the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Price estimates by individual coverage:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Estimates are averaged for all U.S. states and Xterra trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of insurance. Rural locations have fewer collision claims than densely populated cities.

The diagram below illustrates how your location can change auto insurance prices.

The ranges above demonstrate why it is important to get quotes using their specific location and their own personal driving habits, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $511
• Choosing higher $1,000 deductibles can save $762 annually
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $808
• Using low $100 deductibles for comp and collision coverage will cost $896
• High-risk insureds who are prone to accidents and violations could pay around $1,730 or more
• The price with full coverage for a teen driver can cost $3,396 each year

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Auto insurance prices for a Nissan Xterra are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high physical damage deductibles could pay as little as $800 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will have to pay in the ballpark of $3,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,000 to $1,400 in extra premium each year, depending on your age. A high-risk auto insurance policy ranges anywhere from 41% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $140 each year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

The state you live in 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 be forced to pay as much as $1,100 on average in New York, Michigan, and Florida.

View Chart as Image

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate prices, and quoted prices may be quite 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 Cheap Nissan Xterra Insurance

Getting lower rates on Nissan Xterra insurance takes being safe and accident-free, having above-average credit, avoid buying unnecessary coverage, and not having any coverage lapses. Invest the time to shop around every year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a brief summary of the coverage data illustrated above.

• You may be able to save around $80 per year simply by quoting early and online
• Increasing physical damage deductibles could save up to $125 each year
• Youthful drivers have the highest car insurance prices, costing up to $283 a month if full coverage is included
• High-risk drivers that tend to have accidents or serious violations may pay on average $920 more per year than a low-risk driver