Nissan Xterra Insurance Rates

U.S. average insurance rates for a Nissan Xterra are $808 a year including full coverage. Comprehensive insurance costs an estimated $110 a year, collision costs $98, and liability insurance costs $442. A policy with just liability insurance costs as little as $496 a year, with coverage for high-risk drivers costing $1,730 or more. Teenage drivers pay the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Price estimates broken down by individual coverage:

Includes $500 deductible amounts, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Xterra trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how your location can change insurance prices.

The ranges above highlight why it is important to compare rates for a targeted area, rather than relying on average rates.

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

Detailed Rate Analysis

The chart below breaks down estimated Nissan Xterra insurance rates for other coverage scenarios.

• The best discount rate is $511
• Drivers who choose higher $1,000 deductibles will pay approximately $762 every year
• The estimated price for the average middle-age driver who has $500 deductibles is $808
• Using low $100 deductibles for comprehensive and collision insurance will cost an additional $88 a year
• High risk drivers who are prone to accidents and violations could pay up to $1,730 or more
• The price that insures a teen driver can cost as much as $3,396 a year

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Insurance prices for a Nissan Xterra are also quite variable based on the trim level of your Xterra, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,000 to $1,400 extra each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 41% to 137% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $800 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay at least $3,300 a year. View Rates by Age

The state you live in makes a big difference in Nissan Xterra insurance rates. A 40-year-old driver could pay 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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Using high physical damage deductibles could save up to $140 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out which car insurance is cheapest is to get quotes from as many companies as possible. Every company uses a different method to calculate prices, so the prices may be quite 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 Find the Cheapest Nissan Xterra Insurance

Getting lower rates on Nissan Xterra insurance not only requires having a good driving record, but also having above-average credit, being claim-free, and taking advantage of discounts. Compare prices at least once a year by quoting rates from direct car insurance companies, and also from your local car insurance providers.

The next list is a recap of the primary concepts that were illustrated above.

• You may be able to save approximately $80 per year simply by quoting early and online
• High-risk drivers that have major violations or accidents could be charged and average of $920 more annually to buy Nissan Xterra insurance
• Increasing physical damage deductibles can save approximately $125 each year
• Drivers age 20 and younger are charged the highest prices, possibly costing $283 a month if full coverage is included