Nissan Xterra Insurance Rates

Average insurance rates for a Nissan Xterra are $808 a year including full coverage. Comprehensive costs around $110 each 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 around $1,730. Teenage drivers receive the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Rate estimates for individual coverage type:

Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and Xterra models.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on the price of insurance. Areas with sparse population tend to have lower incidents of comprehensive and collision claims than densely populated cities.

The graphic below illustrates the effect of geographic area on auto insurance rates.

These examples highlight why all drivers should compare rates for a specific zip code, rather than relying on average rates.

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

Additional Rate Details

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

• The best discount rate is $511
• Drivers who choose higher $1,000 deductibles will pay about $46 every year
• The estimated price for a 40-year-old driver using $500 deductibles is $808
• Using low deductibles for comprehensive and collision insurance bumps up the cost to $896
• High risk drivers who are prone to accidents and violations could pay at least $1,730 or more
• The cost that insures a teen driver can be $3,396 a year

View Chart as Image

Insurance rates for a Nissan Xterra can also vary considerably based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are likely paying at least $1,000 to $1,400 additional per year, depending on your age. Insurance for high-risk drivers can cost anywhere from 41% to 137% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $800 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $3,300 a year. View Rates by Age

Where you live 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 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

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

With so much variability in rates, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Every company uses a different method to calculate rates, and rates can be significantly 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

Saving money on Nissan Xterra insurance not only requires having a decent driving record, but also having a good credit score, not filing small claims, and taking advantage of discounts. Compare prices every time your policy renews by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a recap of the information covered in the above illustrations.

• You may be able to save up to $80 per year simply by quoting online in advance
• 16 to 18-year-old drivers are charged the highest rates, as much as $283 per month if comprehensive and collision insurance is included
• Increasing deductibles can save approximately $125 each year
• High-risk drivers that have major violations or accidents may have to pay on average $920 more every year than a driver with a clean driving record
• Drivers who may need additional liability coverage will pay an extra $490 per year to go from a minimum limit to the 250/500 level