Nissan Xterra Insurance Rates

Estimated insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive costs approximately $110, collision insurance costs $98, and liability is estimated at $442. A policy with only liability insurance costs approximately $496 a year, and a high-risk policy costs around $1,730. Teenage drivers pay the most at up to $3,396 a year.

Average premium for full coverage: $808

Premium estimates by type of coverage:

Includes $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and for different Xterra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than densely populated cities. The price range example below illustrates how geographic area affects auto insurance prices.

These rate differences illustrate why anyone shopping for car insurance should get quotes using their specific location and risk profile, instead of making a decision based on average rates.

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

More Rate Information

The chart below illustrates average Nissan Xterra insurance rates for additional coverage and risk scenarios.

• The best discount rate is $511
• Choosing higher $1,000 deductibles can save $46 each year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $808
• Using more expensive low deductibles for comp and collision coverage will increase the cost to $896
• Higher-risk drivers who are prone to accidents and violations could pay around $1,730
• An auto insurance policy for full coverage for a 16-year-old driver with full coverage can cost $3,396 each year

View Chart as Image

Car insurance prices for a Nissan Xterra also have a wide range based on your driving characteristics, the model year and trim level, and physical damage deductibles and liability limits.

An older driver with no driving violations and high deductibles may pay as low as $800 annually on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will be charged in the ballpark of $3,300 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Nissan Xterra insurance prices. 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 annually, while increasing your policy's liability limits will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying anywhere from $1,000 to $1,400 extra annually, depending on your age. High-risk driver insurance ranges from 41% to 137% more than a normal policy. View High Risk Driver Rates

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 Cheapest Nissan Xterra Insurance

Finding better rates on insurance for a Nissan Xterra takes avoiding accidents and claims, having above-average credit, paying for small claims out-of-pocket, and attention to physical damage deductibles. Invest the time to compare rates at every policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The points below are a recap of the data presented in the illustrations above.

• Insureds who purchase increased liability limits will pay an extra $490 annually to raise limits from 30/60 bodily injury limits to 250/500 limits
• It is possible to save around $80 per year just by shopping early and online
• Increasing policy deductibles can save around $125 each year
• Drivers under the age of 20 pay the highest auto insurance prices, with premiums being up to $283 per month if full coverage is included