Nissan Xterra Insurance Rates

Average insurance prices for a Nissan Xterra are $808 every 12 months with full coverage. Comprehensive insurance costs an estimated $110, collision costs $98, and liability is $442. A liability-only policy costs around $496 a year, with high-risk insurance costing $1,730 or more. Teenage drivers receive the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Rate estimates broken down by individual coverage type:

Full coverage includes $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all U.S. states and for different Xterra trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. More rural locations tend to have more infrequent collision claims than densely populated cities.

The price range example below illustrates the effect of geographic area on insurance prices.

These examples demonstrate why anyone shopping for car insurance should compare rates quotes for a targeted area and their own driving history, instead of using average rates.

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

More Rate Information

The chart below details estimated Nissan Xterra insurance rates for other coverage scenarios.

• The best discount rate is $511
• Raising to $1,000 deductibles will save approximately $46 annually
• The average price for a 40-year-old driver who has $500 deductibles is $808
• Using more expensive low deductibles costs an extra $88 every year
• At-risk drivers who are prone to accidents and violations could pay up to $1,730 or more
• The cost to insure a teen driver with full coverage can cost as much as $3,396

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Insurance rates for a Nissan Xterra can also vary considerably based on policy deductibles and limits, your driving record, and the model year and trim level.

Using high physical damage deductibles can reduce rates by up to $140 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may pay as little as $800 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers can expect to pay at least $3,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out $1,000 to $1,400 extra per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 41% to 137% more than a normal policy. View High Risk Driver Rates

Where you live also has a big influence on Nissan Xterra insurance prices. A middle-age driver might find rates 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

With so much variability in rates, the best way to find out which company is cheapest is to compare rates and see which company has the best rate. Every auto insurance company uses a different method to calculate rates, so the rates 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 Shop for More Affordable Nissan Xterra Insurance

Saving money on car insurance consists of being safe and accident-free, having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Take the time to compare rates once a year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

Below you'll find a summary of the data that was covered in the above illustrations.

• You may be able to save approximately $80 per year simply by shopping early and online
• Policyholders who want more liability protection will pay an extra $490 every year to raise from a minimum limit to a 250/500 level
• Youthful drivers are charged the highest rates, with premiums as much as $283 per month if they have full coverage
• Higher risk drivers who have multiple accidents or major violations may pay on average $920 more annually than a low-risk driver