2013 Nissan Xterra Insurance Rates
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UPDATED: Apr 23, 2020
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Average insurance rates for a 2013 Nissan Xterra are $1,040 a year for full coverage insurance. Comprehensive costs approximately $190 each year, collision costs $232, and liability coverage costs around $460. Buying a liability-only policy costs as low as $510 a year, with high-risk insurance costing around $2,228. Teen drivers receive the highest rates at $4,122 a year or more.
Annual premium for full coverage: $1,040
Rate estimates for 2013 Nissan Xterra Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2013 Nissan Xterra models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.
Price Range by Coverage and Risk
For a middle-aged driver, prices range go from as low as $510 for basic liability insurance to a high rate of $2,228 for a high risk driver.
These differences illustrate why all drivers should compare prices using their specific location and risk profile, rather than using price averages.
Use the form below to get rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Recommended Companies for Cheap 2013 Nissan Xterra Insurance
Drivers have options when trying to find the lowest priced Nissan Xterra insurance. They can either waste time contacting agents getting price quotes or leverage the internet to make rate comparisons.
There is a better way to compare insurance rates and you need to know the quickest way to get price quotes for a new or used Nissan and get the best price possible from local insurance agents and online providers.
Consumers need to shop coverage around quite often because insurance rates fluctuate regularly. Despite the fact that you may have had the lowest rates on Xterra coverage a few years ago other companies may now be cheaper. You can find a lot of misleading information regarding insurance online but I’m going to show you some great ideas on how to stop overpaying for insurance.
The purpose of this article is to instruct you on how car insurance quotes work. If you have car insurance now, you will be able to lower your premiums substantially using these tips. Consumers just need to understand the proper way to get comparison rates online.
Factors that can influence insurance rates for a Nissan Xterra
Smart consumers have a good feel for some of the elements that help determine the rates you pay for insurance coverage. Knowing what determines base rates helps enable you to make changes that could result in lower insurance coverage prices.
The following are some of the items that factor into premiums.
- Safer cars cost less to insure – Vehicles with good safety scores tend to have better insurance rates. Safe vehicles protect occupants better and fewer injuries translates into savings for insurance companies and thus lower rates. If your Nissan Xterra has ratings of a minimum an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it may be receiving lower rates.
- Your spouse saves you money – Being married can actually save you money on insurance coverage. Having a significant other translates into being more mature and it’s statistically proven that drivers who are married are more cautious.
- More miles equals more premium – Driving more miles every year the higher your rate. Most insurance companies apply a rate based on their usage. Vehicles that are left in the garage get more affordable rates as compared to vehicles used primarily for driving to work. Verify your insurance coverage coverage is showing the proper vehicle usage. If your policy improperly rates your Xterra can result in significantly higher rates.
- Sex matters – Statistics show women tend to be less risk to insure than men. However, this does not mean women are better drivers. They both have accidents at about the same rate, but the males have costlier accidents. They also receive more costly citations such as reckless driving. Young males are the most expensive to insure and are penalized with high insurance coverage rates.
The fastest way that we advise to compare insurance rates in your area is to know most of the larger companies have advanced systems to compare rate quotes. The only thing you need to do is give them some information such as whether your vehicle is owned or leased, how much coverage you want, your credit rating estimate, and what your job is. Those rating factors is instantly submitted to insurance companies and you get price estimates with very little delay.
To start a quote now, click here and enter your coverage details.
Switch companies and save? Really?
Consumers can’t get away from ads for car insurance savings from companies such as 21st Century, Allstate and State Farm. All the companies make an identical promise that you can save if you switch your policy.
How do they all claim to save you money?
All the different companies are able to cherry pick for the type of driver they prefer to insure. For example, a profitable customer might be over the age of 50, a clean driving record, and drives less than 7,500 miles a year. A propective insured who matches those parameters is entitled to the best price and most likely will save when they switch companies.
Potential insureds who are not a match for these standards must pay a higher premium which usually ends up with the customer not buying. Company advertisements say “customers that switch” but not “drivers who get quotes” save that kind of money. That’s why insurance companies can confidently state the savings.
This illustrates why it is so important to get quotes from several different companies. It’s impossible to know the company that will give you the biggest savings on Nissan Xterra insurance.
Get lower rates on Nissan Xterra insurance
Insuring your fleet can be pricey, but companies offer discounts to help bring down the price. Most are applied when you complete an application, but a few need to be inquired about before you get the savings. If you don’t get every credit you qualify for, you are throwing money away.
- Good Student – This discount can get you a discount of up to 25%. The good student discount can last up until you turn 25.
- Anti-theft Discount – Vehicles equipped with anti-theft or alarm systems help deter theft and earn discounts up to 10%.
- Student Driver Training – Cut your cost by having your teen driver successfully complete driver’s ed class in school.
- Lower Rates for Military – Having a deployed family member could be rewarded with lower premiums.
- Safe Drivers – Drivers who don’t get into accidents may receive a discount up to 45% less on Xterra coverage than drivers with accident claims.
- Employee of Federal Government – Being employed by or retired from a federal job may qualify you for a discount on Xterra coverage with certain companies.
- Early Signing – Some companies give discounts for switching policies before your current expiration date. This can save 10% or more.
- Claim Free – Drivers who don’t have accidents pay much less as compared to frequent claim filers.
Keep in mind that many deductions do not apply to your bottom line cost. The majority will only reduce the price of certain insurance coverages like physical damage coverage or medical payments. So when the math indicates having all the discounts means you get insurance for free, companies don’t profit that way. But all discounts will cut the cost of coverage.
Insurance companies that may have these discounts include:
Before buying, ask each company which discounts you may be entitled to. All car insurance discounts might not apply everywhere.
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Tailor your coverage to you
When choosing the best auto insurance coverage, there isn’t really a single plan that fits everyone. Your needs are not the same as everyone else’s.
For instance, these questions may help highlight if your situation might need professional guidance.
- Will my rates increase for filing one claim?
- Should I buy full coverage?
- Should I buy additional glass protection?
- Does my liability insurance cover pulling a trailer or camper?
- Will I lose any money if I cancel my policy before it expires?
- Does my medical payments coverage pay my health insurance deductible?
- What is the minimum liability in my state?
- What exactly is covered by my policy?
If you can’t answer these questions but a few of them apply, you might consider talking to an agent. To find an agent in your area, simply complete this short form. It is quick, free and can provide invaluable advice.
Specific coverages for a 2013 Nissan Xterra
Learning about specific coverages of insurance can help you determine appropriate coverage and the correct deductibles and limits. The coverage terms in a policy can be ambiguous and reading a policy is terribly boring.
Auto liability insurance
This coverage provides protection from damage that occurs to a person or their property by causing an accident. It protects YOU from claims by other people. It does not cover your injuries or vehicle damage.
Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 100/300/100 which means $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and $100,000 of coverage for damaged property. Some companies may use a combined single limit or CSL which provides one coverage limit rather than limiting it on a per person basis.
Liability insurance covers things like repair bills for other people’s vehicles, legal defense fees, court costs and medical services. How much liability coverage do you need? That is your choice, but you should buy as much as you can afford.
This coverage pays for damage to your Xterra from colliding with another car or object. You first must pay a deductible and the rest of the damage will be paid by collision coverage.
Collision coverage protects against things like driving through your garage door, hitting a mailbox and colliding with a tree. Collision is rather expensive coverage, so consider dropping it from vehicles that are older. Drivers also have the option to choose a higher deductible to bring the cost down.
Insurance for medical payments
Med pay and PIP coverage pay for immediate expenses for things like hospital visits, surgery and pain medications. They are often used in conjunction with a health insurance plan or if there is no health insurance coverage. Medical payments and PIP cover all vehicle occupants and will also cover if you are hit as a while walking down the street. Personal Injury Protection is not universally available and gives slightly broader coverage than med pay
Comprehensive coverage (or Other than Collision)
Comprehensive insurance pays for damage from a wide range of events other than collision. You first must pay your deductible and then insurance will cover the rest of the damage.
Comprehensive coverage pays for things such as a broken windshield, damage from getting keyed, damage from a tornado or hurricane and theft. The most a insurance company will pay at claim time is the market value of your vehicle, so if your deductible is as high as the vehicle’s value consider dropping full coverage.
Uninsured Motorist or Underinsured Motorist insurance
This protects you and your vehicle’s occupants when other motorists either are underinsured or have no liability coverage at all. It can pay for hospital bills for your injuries as well as your vehicle’s damage.
Since a lot of drivers only carry the minimum required liability limits, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked. Frequently the UM/UIM limits are identical to your policy’s liability coverage.
Quote often and quote early
Cheaper 2013 Nissan Xterra insurance is definitely available on the web and with local insurance agents, and you need to comparison shop both in order to have the best price selection to choose from. Some insurance providers do not offer online quoting and usually these small insurance companies provide coverage only through local independent agents.
When buying insurance coverage, never buy poor coverage just to save money. There have been many cases where drivers have reduced full coverage only to find out that it was a big mistake. The proper strategy is to find the BEST coverage at a price you can afford, not the least amount of coverage.
We just showed you some good ideas how to get a better price on insurance. The most important thing to understand is the more rate comparisons you have, the better chance you’ll have of finding lower rates. Drivers may discover the biggest savings come from a small mutual company.
For more information, link through to these articles:
- Understanding Rental Car Insurance (Insurance Information Insitute)
- Bodily Injury Coverage (Liberty Mutual)
- Information for Teen Drivers (GEICO)
- Electronic Stability Control FAQ (iihs.org)
- Comprehensive Coverage (Liberty Mutual)
Rates by U.S. City
|New York City, NY||$1,644|
|Los Angeles, CA||$1,779|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$63|
|5-yr Claim Free||$65|
|Paid in Full/EFT||$38|
Discounts are estimated and may not be available from every company or in every state.