Nissan Xterra Insurance Rates

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

Average premium for full coverage: $808

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and for all Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than densely populated cities.

The example below illustrates how location impacts auto insurance rates.

The examples above demonstrate why everyone should get quotes for a specific zip code and risk profile, rather than relying on average rates.

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

More Rate Information

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

• The best discount rate is $511
• Choosing higher $1,000 deductibles can save about $46 annually
• The average rate for a good driver age 40 using $500 deductibles is $808
• Using pricier low deductibles for comp and collision coverage will increase the cost to $896
• High-risk insureds who are prone to accidents and violations could pay at least $1,730 or more
• Policy cost for full coverage for a teen driver for full coverage can be $3,396 each year

View Chart as Image

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

A more mature driver with no violations or accidents and high deductibles could pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers should be prepared to pay as much as $3,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Nissan Xterra insurance rates. A good driver about age 40 could pay as low as $590 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,100 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles can save as much as $140 each year, whereas buying more liability protection will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more each year. 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 at least $1,000 to $1,400 additional every year, depending on your age. Nissan Xterra insurance for high-risk drivers ranges anywhere from 41% to 137% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to regularly compare rates from as many companies as possible. Each auto insurer uses a different method to calculate rates, and 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 Affordable Nissan Xterra Insurance

Finding cheaper rates on Nissan Xterra insurance takes being safe and accident-free, having a good credit history, not filing small claims, and taking advantage of discounts. Spend time shopping around once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below you'll find a brief review of the data that was touched on above.

• You may be able to save up to $80 per year simply by quoting online well ahead of the renewal date
• Drivers who may need more liability protection will pay an extra $490 every year to raise limits from a 30/60 limit to 250/500 limits
• Youthful drivers are charged the highest rates, as much as $283 each month including comprehensive and collision insurance
• High-risk drivers with DUI or reckless driving convictions pay an average of $920 more every year than a low-risk driver