Nissan Xterra Insurance Rates

The average auto insurance rates for a Nissan Xterra are $808 annually including full coverage. Comprehensive insurance costs on average $110 each year, 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. Teenage 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:

Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than densely populated cities.

The graphic below illustrates how rural and urban location affects car insurance rates.

The examples above highlight why all drivers should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

Additional Charts and Tables

The chart below breaks down estimated Nissan Xterra insurance rates for different risk profiles and scenarios.

• The best discount rate is $511
• Using higher $1,000 deductibles will save around $46 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $808
• Using low deductibles for physical damage coverage costs an additional $88 annually
• High-risk insureds who are prone to accidents and violations could pay upwards of $1,730 or more
• Policy cost with full coverage for a 16-year-old driver may cost $3,396 or more

View Chart as Image

Insurance rates for a Nissan Xterra also range considerably based on the model year and trim level, your driving characteristics, and policy deductibles and limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay upwards of $3,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying at a minimum $1,000 to $1,400 extra every year, depending on your age. Insurance for high-risk drivers can be from 41% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $140 annually, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

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 Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,160 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company uses a different method to calculate rates, so the rates will be varied 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 the Best Nissan Xterra Insurance

Finding cheaper rates on insurance for a Nissan Xterra requires being a good driver, having a good credit history, paying for small claims out-of-pocket, and bundling your home and auto policies. Set aside time to shop around every time your policy renews by getting rate quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a brief recap of the information raised in the charts and tables above.

• You may be able to save as much as $80 per year simply by quoting online in advance
• Drivers age 16 to 20 pay the highest rates, with premiums being up to $283 each month including comprehensive and collision insurance
• Increasing comprehensive and collision deductibles could save up to $125 each year
• Drivers considered higher risk who tend to receive serious violations pay on average $920 more each year than a safer driver
• Insureds who require an increased level of liability coverage will pay an extra $490 per year to increase from a 30/60 limit to higher 250/500 limits