Nissan Xterra Insurance Rates

U.S. average insurance prices for a Nissan Xterra are $808 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $110 a year, collision costs $98, and liability insurance is $442. Liability-only coverage costs around $496 a year, with high-risk coverage 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:

Price estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 states and Xterra trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on the price of insurance. More rural locations have more infrequent physical damage claims than densely populated cities.

The diagram below illustrates how geographic area affects insurance prices.

The ranges above illustrate why it is important to compare rates quotes for a targeted area and their own driving history, rather than relying on average rates.

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 other coverage scenarios.

• The best discount rate is $511
• Raising to $1,000 deductibles will save approximately $762 each year
• The average price for the average middle-age driver who has $500 deductibles is $808
• Using low $100 deductibles costs an extra $88 a year
• Higher-risk drivers who are prone to accidents and violations could pay up to $1,730 or more
• The price to insure a teen driver can cost as much as $3,396

View Chart as Image

Auto insurance prices for a Nissan Xterra are also quite variable based on deductibles and policy limits, your risk profile, and the model year and trim level.

Using high physical damage deductibles can reduce prices by up to $140 each year, while buying higher liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

Older drivers with a good driving record and higher deductibles could pay as little as $800 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will have to pay at least $3,300 a year. View Rates by Age

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

The state you live in also has a big influence on Nissan Xterra insurance rates. A middle-age driver might find prices as low as $530 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,100 on average in Florida, New York, and Michigan.

View Chart as Image

Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes from as many companies as possible. Every auto insurance company uses a different method to calculate prices, and quoted 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 Shop for Cheaper Nissan Xterra Insurance

Getting lower rates on Nissan Xterra insurance consists of being a low-risk driver, having a good credit score, not filing small claims, and qualifying for all possible discounts. Invest the time to compare rates at every policy renewal by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The items below are a condensed summary of the data presented in the illustrations above.

• Drivers who want more liability coverage will pay an extra $490 annually to raise from a low limit to a 250/500 level
• It is possible to save approximately $80 per year simply by quoting early and online
• Increasing physical damage deductibles could save as much as $125 each year
• Teen drivers are the costliest to insure, as much as $283 a month if comprehensive and collision insurance is included