Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year including full coverage. Comprehensive insurance costs an estimated $110, collision costs $98, and liability coverage costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing $1,730 or more. Teens 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:

Price estimates include $500 deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for all Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The example below illustrates how where you live affects insurance prices.

The examples above highlight why everyone should compare rates for a targeted area, rather than using averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $511
• Drivers who choose higher $1,000 deductibles will pay approximately $46 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $808
• Selecting pricier low deductibles for comprehensive and collision insurance will cost an additional $88 each year
• High-risk insureds with serious driving violations could pay up to $1,730 or more
• Policy cost that insures a teenage driver for full coverage can cost as much as $3,396 a year

View Chart as Image

Auto insurance rates for a Nissan Xterra also range considerably based on the model of your Xterra, your driving record and age, and liability limits and deductibles.

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

A more mature driver with a good driving record and higher comprehensive and collision deductibles may only pay around $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will have to pay 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 $620 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,160 on average in Louisiana, New York, and Michigan.

View Chart as Image

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

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to regularly compare rates and see how they stack up. Every company calculates rates differently, and quoted rates 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 Cheaper Nissan Xterra Insurance

Finding cheaper rates on auto insurance not only requires not taking risks behind the wheel, but also maintaining a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare rates every year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The following is a condensed summary of the coverage data touched on in the above illustrations.

• You may be able to save approximately $80 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $125 each year
• Teens are the costliest to insure, with premiums being up to $283 each month if the policy includes full coverage
• Drivers with multiple at-fault accidents could be charged and average of $920 more annually for Xterra insurance