Nissan Xterra Insurance Rates

Estimated auto insurance rates for a Nissan Xterra are $808 annually including full coverage. Comprehensive insurance costs around $110 a year, collision insurance costs $98, and liability coverage is $442. Liability-only coverage costs around $496 a year, and high-risk coverage costs $1,730 or more. Teenage drivers pay the most at up to $3,396 a year.

Average premium for full coverage: $808

Premium estimates for type of coverage:

These estimates include $500 deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Xterra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than densely populated cities. The diagram below illustrates how location impacts auto insurance rates.

These rate differences highlight why it is important to compare rates quotes for a specific zip code and their own personal driving habits, rather than using average rates.

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

Rate Comparisons

The chart below breaks down average Nissan Xterra insurance rates for additional coverage choices and driver risks.

• The best discount rate is $511
• Raising to $1,000 deductibles will save about $762 every year
• The estimated rate for a 40-year-old good driver using $500 deductibles is $808
• Using low $100 deductibles costs an additional $88 each year
• Unlucky drivers who are prone to accidents and violations could pay at least $1,730
• An auto insurance policy with full coverage for a teenage driver can be $3,396

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Insurance prices for a Nissan Xterra also have a wide range based on the model of your Xterra, your driving characteristics, and deductibles and policy limits.

Older drivers with a clean driving record and high physical damage deductibles may only pay around $800 every 12 months 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 can expect to pay as much as $3,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying at least $1,000 to $1,400 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 41% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $140 a year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

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

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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 Cheap Nissan Xterra Insurance

Finding better rates on auto insurance consists of not taking risks behind the wheel, having a good credit history, refrain from filing small claims, and dropping full coverage on older vehicles. Spend time shopping around every time your policy renews by getting rate quotes from direct car insurance companies, and also from your local independent and exclusive agents.

The following is a brief summary of the information touched on above.

• You may be able to save up to $80 per year just by quoting early and online
• Teens pay higher prices, with the cost nearing $283 per month including comprehensive and collision insurance
• Increasing policy deductibles could save up to $125 each year
• Drivers that tend to have accidents or serious violations may pay on average $920 more every year for Xterra insurance
• Consumers who may need higher liability limits will pay an extra $490 per year to raise from 30/60 bodily injury limits to higher 250/500 limits