Nissan Xterra Insurance Rates

The average auto insurance rates for a Nissan Xterra are $808 annually including full coverage. Comprehensive costs an estimated $110 each year, collision costs $98, and liability is estimated at $442. Buying just liability costs approximately $496 a year, with insurance for high-risk drivers costing around $1,730. Teenage 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:

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.

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

The examples above highlight why all drivers should get quotes for a targeted area and their own personal driving habits, instead of using average rates.

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 other coverage scenarios.

• The best discount rate is $511
• Choosing higher $1,000 deductibles can save approximately $46 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $808
• Using low deductibles for comp and collision coverage will cost $896
• Unlucky drivers who are prone to accidents and violations could pay up to $1,730 or more
• Policy cost with full coverage for a teen driver 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 year and trim level, your driving characteristics, and liability limits and deductibles.

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $3,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,000 to $1,400 extra every year, depending on your age. Insurance for high-risk drivers ranges as much as 41% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $140 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Nissan Xterra insurance prices. A good driver about age 40 could pay as low as $620 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,160 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different method to calculate rates, so the rates will be varied 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 More Affordable Nissan Xterra Insurance

Finding cheaper rates on car insurance takes having a decent driving record, having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Make time to compare rates every couple of years by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a summary of the material that was touched on in this article.

• Policyholders who want additional liability coverage will pay an extra $490 per year to raise limits from a 30/60 limit to higher 250/500 limits
• 16 to 18-year-old drivers are charged the highest rates, with premiums being up to $283 each month including comprehensive and collision insurance
• Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $920 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save up to $125 each year