Nissan Xterra Insurance Rates

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

Average premium for full coverage: $808

Policy rates for type of insurance:

Price estimates include $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for all Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Areas with sparse population are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.

The example below illustrates how location impacts auto insurance rates.

The examples above illustrate why everyone should compare rates for a specific zip code and risk profile, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $511
• Drivers who choose higher $1,000 deductibles will pay about $46 each year
• The average rate for a good driver age 40 using $500 deductibles is $808
• Selecting pricier low deductibles for comprehensive and collision insurance will increase the cost to $896
• Drivers with serious driving violations could pay at least $1,730 or more
• Policy cost for full coverage for a 16-year-old driver for full coverage can be $3,396 a year

View Chart as Image

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

A more mature driver with a good driving record and high deductibles may pay as low as $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay as much as $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 $530 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,100 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $140 annually, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at least $1,000 to $1,400 in extra premium every year, depending on your age. Nissan Xterra insurance for high-risk drivers can cost from 41% to 137% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out your exact price is to regularly compare rates from multiple companies. Every company calculates rates differently, and quoted rates will be varied from one company to the next.

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 Cheaper Nissan Xterra Insurance

Finding cheaper rates on insurance for a Nissan Xterra not only requires having a good driving record, but also having good credit, being claim-free, and maximizing policy discounts. Spend time shopping around every couple of years by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The next list is a condensed summary of the material that was touched on above.

• Insureds who may need increased levels of liability coverage will pay approximately $490 annually to go from a 30/60 limit to 250/500 limits
• Drivers age 20 and younger are expensive to insure, possibly costing $283 each month if they have full coverage
• Drivers considered higher risk with multiple at-fault accidents may pay on average $920 more every year to buy Nissan Xterra insurance
• Increasing comprehensive and collision deductibles can save around $125 each year