Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year with full coverage. Comprehensive insurance costs around $110, collision costs $98, and liability insurance is estimated at $442. A liability-only policy costs approximately $496 a year, with high-risk insurance costing $1,730 or more. Teen drivers cost the most to insure at $3,396 a year or more.

Average premium for full coverage: $808

Policy rates for type of insurance:

These estimates include $500 deductible amounts, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than larger metro areas.

The example below illustrates the difference location can make on auto insurance rates.

The examples above demonstrate why everyone should get quotes for a specific zip code, rather than relying on price averages.

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

Detailed Rate Analysis

The chart below details estimated Nissan Xterra insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $511
• Choosing higher $1,000 deductibles can save about $46 annually
• The estimated price for a good driver age 40 using $500 deductibles is $808
• Choosing pricier low deductibles for comp and collision coverage will cost an additional $88 a year
• High-risk insureds with multiple violations and an at-fault accident could pay at least $1,730 or more
• Policy cost that insures a teen driver for full coverage can be $3,396 each year

View Chart as Image

Car insurance rates for a Nissan Xterra also range considerably based on the model of your Xterra, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,000 to $1,400 extra every year, depending on your age. Nissan Xterra insurance for high-risk drivers ranges anywhere from 41% to 137% more than average. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles could pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged as much as $3,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Nissan Xterra insurance rates. A good driver about age 40 could pay as low as $590 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,100 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles can save as much as $140 each year, whereas buying more liability protection will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out your exact price is to regularly compare rates from as many companies as possible. Each auto insurer uses a different rate calculation, so rate quotes will be varied.

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 Cheap Nissan Xterra Insurance

Finding cheaper rates on Nissan Xterra insurance takes having a good driving record, having a positive credit history, not filing small claims, and qualifying for all possible discounts. Shop around at least every other year by getting rate quotes from direct companies, and also from your local independent and exclusive agents.

The next list is a brief summary of the car insurance concepts touched on in this article.

• High-risk drivers that tend to have accidents or serious violations may pay on average $920 more every year to buy Nissan Xterra insurance
• You may be able to save up to $80 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $125 each year
• Drivers who may need increased levels of liability coverage will pay about $490 every year to raise limits from a 30/60 limit to the 250/500 level