Nissan Xterra Insurance Rates

Estimated auto insurance rates for a Nissan Xterra are $808 annually for full coverage. Comprehensive insurance costs approximately $110 each year, collision costs $98, and liability is estimated at $442. A policy with only liability insurance costs approximately $496 a year, with a high-risk policy costing $1,730 or more. Teenage drivers pay the most at $3,396 a year or more.

Average premium for full coverage: $808

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all states and Xterra models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can have significant affects on car insurance rates. Rural locations are statistically proven to have fewer accident claims than densely populated cities.

The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences show why all drivers should get quotes using their specific location and their own personal driving habits, instead of using average rates.

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

Additional Rate Analysis

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

• The best discount rate is $511
• Choosing higher $1,000 deductibles can save $46 a year
• The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $808
• Using low deductibles for comp and collision coverage costs an additional $88 every year
• Unlucky drivers who are prone to accidents and violations could pay around $1,730 or more
• An auto insurance policy with full coverage for a teen driver can cost $3,396 each year

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Car insurance prices for a Nissan Xterra also have a wide range based on the model of your Xterra, your driver profile, and physical damage deductibles and liability limits.

More mature drivers with no driving violations and high physical damage deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they will be charged in the ballpark of $3,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying anywhere from $1,000 to $1,400 extra annually, depending on your age. Insurance for high-risk drivers ranges as much as 41% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $140 every year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Nissan Xterra insurance prices. A good driver about age 40 could pay as low as $530 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,160 on average in New York, Louisiana, and Michigan.

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With such a large range in prices, the only way to know who has the cheapest car insurance prices is to do a rate comparison and see which company has the best price. Each auto insurer uses a different method to calculate prices, so rate quotes will be substantially different between companies.

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 Buy Affordable Nissan Xterra Insurance

Finding better rates on car insurance takes being safe and accident-free, having a good credit score, not filing small claims, and avoiding coverage lapses. Set aside time to compare rates at least once a year by getting rate quotes from direct carriers, and also from several local insurance agents.

Below you'll find a brief review of the primary concepts that were covered above.

• Drivers can save around $80 per year simply by quoting online in advance
• Higher risk drivers with DUI or reckless driving convictions pay on average $920 more per year than a low-risk driver
• Increasing policy deductibles could save up to $125 each year
• Youthful drivers pay the highest auto insurance prices, as much as $283 per month if comprehensive and collision insurance is included