Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive insurance costs an estimated $110 each year, collision costs $98, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing $1,730 or more. Teen drivers cost the most to insure at $3,396 a year or more.

Average premium for full coverage: $808

Policy rates broken down by type of insurance:

Rate estimates include $500 physical damage deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. More rural locations are shown to have lower incidents of physical damage claims than larger metro areas.

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

The examples above illustrate why all drivers should compare rates for a targeted area, rather than relying on price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $511
• Drivers who choose higher $1,000 deductibles will pay approximately $46 each year
• The estimated price for a good driver age 40 who has $500 deductibles is $808
• Choosing low deductibles for comprehensive and collision insurance will cost an additional $88 a year
• High risk drivers with multiple violations and an at-fault accident could pay up to $1,730 or more
• Policy cost that insures a teen driver can cost as much as $3,396 a year

View Chart as Image

Car insurance rates for a Nissan Xterra also range considerably based on the trim level and model year, your age and driving record, and liability limits and deductibles.

If you have a few points on your driving record or you caused an accident, you are probably paying $1,000 to $1,400 extra every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 41% to 137% more than average. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $800 per year on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $3,300 a year. View Rates by Age

Your home state makes a big difference in Nissan Xterra insurance rates. A 40-year-old driver could pay as low as $530 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,100 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could save up to $140 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Every company uses a different rate calculation, so rate quotes will be varied.

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 Best Nissan Xterra Insurance

Finding cheaper rates on Nissan Xterra insurance not only requires being a safe and courteous driver, but also having a positive credit history, being claim-free, and not having any coverage lapses. Shop around once a year by requesting quotes from direct insurance companies, and also from local insurance agencies.

Below is a brief recap of the data that was illustrated above.

• It is possible to save approximately $80 per year simply by quoting online in advance
• Drivers who want higher levels of liability will pay about $490 annually to go from a 30/60 limit to the 250/500 level
• Teenage drivers have the highest car insurance rates, possibly costing $283 each month if full coverage is purchased
• High-risk drivers who tend to receive serious violations may have to pay on average $920 more annually for auto insurance