Nissan Xterra Insurance Rates

Average insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. 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 receive the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Rate estimates by individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all 50 states and Xterra trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city has a significant impact on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance prices.

These examples illustrate why it is important to get quotes using their specific location, rather than relying on average rates.

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

Additional Charts and Tables

The chart below illustrates 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 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $808
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $896
• High-risk insureds who are prone to accidents and violations could pay around $1,730 or more
• The cost that insures a teen driver can cost $3,396 each year

View Chart as Image

Car insurance rates for a Nissan Xterra can also vary considerably based on the trim level of your Xterra, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,000 to $1,400 extra per 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

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $800 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will be charged in the ballpark of $3,300 a year. View Rates by Age

Where you live plays a big part in determining prices for Nissan Xterra insurance rates. A good driver about age 40 could pay as low as $530 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,100 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $140 each year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in rates, the only way to figure out who has the best car insurance rates is to get quotes from as many companies as possible. Each auto insurer uses a different method to calculate rates, so rate quotes 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 Find More Affordable Nissan Xterra Insurance

Saving money on Nissan Xterra insurance takes avoiding accidents and violations, having a positive credit history, avoid buying unnecessary coverage, and avoiding coverage lapses. Compare prices every couple of years by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The list below is a summary of the material that was touched on above.

• Drivers who purchase higher liability limits will pay an extra $490 annually to raise limits from a minimum limit to the 250/500 level
• Teenagers pay the highest auto insurance rates, costing up to $283 per month if full coverage is purchased
• High-risk drivers who have multiple accidents or major violations could be charged and average of $920 more per year for car insurance
• Increasing deductibles can save approximately $125 each year