Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year including full coverage. Comprehensive insurance costs approximately $110, collision costs $98, and liability costs around $442. Buying just liability costs as low as $496 a year, with insurance for high-risk drivers costing $1,730 or more. 16-year-old drivers cost the most to insure at $3,396 a year or more.

Average premium for full coverage: $808

Policy rates by type of insurance:

Estimates include $500 physical damage deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for all Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance prices. Rural locations are shown to have a lower frequency of comprehensive and collision claims than congested cities.

The example below illustrates how where you live affects auto insurance prices.

The examples above highlight why everyone should compare prices using their specific location and risk profile, instead of using rate averages.

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

More Rate Details

The chart below breaks down estimated Nissan Xterra insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $511
• Using higher $1,000 deductibles will save $46 every year
• The average rate for a good driver age 40 who chooses $500 deductibles is $808
• Buying pricier low deductibles for physical damage coverage will cost an extra $88 every year
• Drivers with multiple tickets or accidents could pay around $1,730 or more
• Policy cost for full coverage for a teen driver for full coverage can cost $3,396 or more

View Chart as Image

Insurance rates for a Nissan Xterra also range considerably based on your risk profile, the model of your Xterra, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles may pay as little as $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay in the ballpark of $3,300 a year. View Rates by Age

Your home state has a huge impact on Nissan Xterra insurance prices. A driver around age 40 might see rates as low as $620 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,160 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $140 every year, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying anywhere from $1,000 to $1,400 extra every year, depending on your age. Nissan Xterra insurance for high-risk drivers can be as much as 41% to 137% more than the average rate. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, so the rates will be varied from one company to the next.

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 Low Cost Nissan Xterra Insurance

Finding cheaper rates on car insurance requires being a safe and courteous driver, maintaining good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to comparison shop every couple of years by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

Below is a review of the material that was touched on in the above illustrations.

• Policyholders who purchase higher levels of liability will pay around $490 per year to increase from a 30/60 limit to 250/500 limits
• Teenage drivers are expensive to insure, with premiums being up to $283 each month for full coverage
• Higher risk drivers who have several accidents or serious violations could be forced to pay on average $920 more per year for auto insurance
• Increasing comprehensive and collision deductibles can save around $125 each year