Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive insurance costs on average $110, collision insurance costs $98, and liability costs $442. A liability-only policy costs as little as $496 a year, and high-risk insurance costs $1,730 or more. 16-year-old drivers cost the most to insure at up to $3,396 a year.

Average premium for full coverage: $808

Policy rates by type of insurance:

Prices are based on $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for all Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than congested cities. The example below illustrates the effect of geographic area on car insurance rates.

The examples above illustrate why everyone should compare rates based on a specific location and risk profile, instead of using rate averages.

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

Additional Charts and Tables

The chart below illustrates average Nissan Xterra insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $511
• Drivers who choose higher $1,000 deductibles will pay around $46 each year
• The average rate for a good driver age 40 with $500 deductibles is $808
• Buying pricier low deductibles for comprehensive and collision insurance will cost an extra $88 every year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $1,730
• Policy cost for full coverage for a teen driver for full coverage may cost $3,396 a year

View Chart as Image

Car insurance rates for a Nissan Xterra also range considerably based on your risk profile, the model year and trim level, and policy deductibles and limits.

A more mature driver with no driving violations and high deductibles may pay as little as $800 per year on average, or $67 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged upwards of $3,300 a year. View Rates by Age

Your home state makes a big difference in Nissan Xterra insurance prices. A 40-year-old driver could pay as low as $530 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,100 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could save up to $140 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $1,000 to $1,400 extra every year, depending on your age. Nissan Xterra insurance for high-risk drivers can cost as much as 41% to 137% more than the average rate. 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 Affordable Nissan Xterra Insurance

Finding cheaper rates on car insurance not only requires having a decent driving record, but also having above-average credit, being claim-free, and possibly raising deductibles. Take the time to compare rates at least once a year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The following items are a brief review of the primary concepts that were covered in the above illustrations.

• It is possible to save as much as $80 per year just by quoting online well ahead of the renewal date
• Higher risk drivers with DUI or reckless driving convictions pay an average of $920 more each year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save around $125 each year
• 16 to 18-year-old drivers are expensive to insure, possibly costing $283 each month if full coverage is included