Nissan Xterra Insurance Rates

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

Average premium for full coverage: $808

Price estimates by individual coverage:

Rates are based on $500 deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and for all Xterra models.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates the difference location can make on auto insurance prices.

The ranges above highlight why everyone should compare rates quotes using their specific location, rather than using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $511
• Raising to $1,000 deductibles will save $46 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $808
• Selecting pricier low deductibles bumps up the cost to $896
• Unlucky drivers with serious driving violations could pay around $1,730 or more
• The price that insures a teenage driver for full coverage can cost $3,396

View Chart as Image

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

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,000 to $1,400 in extra premium each year, depending on your age. Nissan Xterra insurance for high-risk drivers is expensive and can cost around 41% to 137% more than the average policy. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $800 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $3,300 a year. View Rates by Age

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

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $140 a year, whereas buying more liability protection will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out who has the best auto insurance prices is to regularly compare prices and see how they stack up. Every auto insurance company calculates prices differently, and quoted prices may be quite 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 Find the Best Cheap Nissan Xterra Insurance

Getting lower rates on auto insurance consists of not taking risks behind the wheel, maintaining a good credit score, being claim-free, and not having any coverage lapses. Compare rates at least once a year by getting rate quotes from direct car insurance companies, and also from local auto insurance providers.

The following is a quick review of the primary concepts that were touched on in this article.

• You may be able to save around $80 per year simply by quoting online well ahead of the renewal date
• Drivers with a DUI or reckless driving violation will likely pay on average $920 more per year for Xterra insurance
• Increasing physical damage deductibles can save approximately $125 each year
• Teens have the highest car insurance prices, possibly costing $283 a month if the policy includes full coverage