Nissan Xterra Insurance Rates

Estimated insurance prices for a Nissan Xterra are $808 every 12 months including full coverage. Comprehensive insurance costs approximately $110, collision costs $98, and liability insurance is $442. A policy with only liability insurance costs around $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:

Estimates include $500 deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for different Xterra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a significant impact on car insurance prices. Rural locations are statistically proven to have more infrequent comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, rather than relying on average rates.

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

Additional Rate Information

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

• The best discount rate is $511
• Raising to $1,000 deductibles will save $46 every year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $808
• Using more expensive low deductibles costs an extra $88 a year
• Higher-risk drivers who are prone to accidents and violations could pay around $1,730 or more
• An auto insurance policy to insure a teen driver with full coverage can cost $3,396

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

Using high physical damage deductibles can reduce prices by up to $140 each year, while increasing your policy's liability limits will push prices upward. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

An older driver with no driving violations and higher deductibles could pay as little as $800 every 12 months on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $3,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying anywhere from $1,000 to $1,400 extra annually, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 41% to 137% more than a normal policy. View High Risk Driver Rates

Where you choose to live also has a big influence on Nissan Xterra insurance rates. A middle-age driver might find prices as low as $620 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,160 on average in Louisiana, New York, and Michigan.

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With such a large range in prices, the best way to figure out who has the best auto insurance prices is to compare prices from as many companies as possible. Every auto insurance company uses a different method to calculate prices, so rate quotes will be substantially different.

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 Shop for Low Cost Nissan Xterra Insurance

Finding better rates on Nissan Xterra insurance consists of not taking risks behind the wheel, maintaining a good credit score, refrain from filing small claims, and avoiding coverage lapses. Set aside time to compare rates every year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The following is a review of the coverage data covered above.

• You may be able to save around $80 per year simply by shopping early and online
• Increasing policy deductibles could save as much as $125 each year
• Teens pay the highest auto insurance prices, with the cost nearing $283 per month if the policy includes full coverage
• High-risk drivers who have several accidents or serious violations could be charged and average of $920 more per year for Xterra insurance