Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year with full coverage. Comprehensive costs approximately $110 a year, collision insurance costs $98, and liability costs $442. A liability-only policy costs as little as $496 a year, and high-risk insurance costs around $1,730. Teens cost the most to insure at up to $3,396 a year.

Average premium for full coverage: $808

Policy rates by type of insurance:

Includes $500 comprehensive and collision deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion. The diagram below illustrates how where you live affects auto insurance prices.

The examples above demonstrate why it is important to compare rates using their specific location and risk profile, instead of using averaged prices.

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

Additional Rate Information

The chart below details average Nissan Xterra insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $511
• Drivers who choose higher $1,000 deductibles will pay $762 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $808
• Selecting low $100 deductibles for comprehensive and collision insurance will increase the cost to $896
• Higher-risk drivers with serious driving violations could pay around $1,730
• Policy cost for full coverage for a teen driver can cost $3,396 a year

View Chart as Image

Car insurance rates for a Nissan Xterra also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

Older drivers with no driving violations and high deductibles may pay as little as $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged in the ballpark of $3,300 a year. View Rates by Age

Your home state makes a big difference in Nissan Xterra insurance prices. A 40-year-old driver could pay as low as $590 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,100 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $140 every year, while buying higher liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,000 to $1,400 extra every year, depending on your age. A high-risk auto insurance policy can cost as much as 41% to 137% more than the average policy. View High Risk Driver Rates

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 the Cheapest Nissan Xterra Insurance

Finding cheaper rates on car insurance not only requires avoiding accidents and violations, but also having above-average credit, not filing small claims, and attention to physical damage deductibles. Take the time to comparison shop at every policy renewal by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a recap of the data touched on in the above illustrations.

• Policyholders who purchase higher liability limits will pay approximately $490 every year to go from a 30/60 limit to 250/500 limits
• You may be able to save around $80 per year just by quoting early and online
• Increasing comprehensive and collision deductibles can save around $125 each year
• Teenagers pay the highest auto insurance rates, as much as $283 each month if full coverage is included