Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year including full coverage. Comprehensive costs an estimated $110 each year, collision costs $98, and liability is $442. A liability-only policy costs around $496 a year, with high-risk insurance costing around $1,730. 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:

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

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The graphic below illustrates how location helps determine insurance prices.

The examples above highlight why all drivers should compare rates quotes for a targeted area, instead of making a decision based on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $511
• Raising to $1,000 deductibles will save approximately $46 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $808
• Choosing low deductibles bumps up the cost to $896
• Drivers with multiple violations and an at-fault accident could pay up to $1,730 or more
• Policy cost that insures a 16-year-old driver can cost as much as $3,396

View Chart as Image

Car insurance rates for a Nissan Xterra also range considerably based on the trim level and model year, 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 extra every year, depending on your age. Insurance for high-risk drivers is expensive and can cost 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 may pay as low as $800 every 12 months 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 also has a big influence on Nissan Xterra insurance prices. A middle-age driver might find rates as low as $620 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,160 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce rates by up to $140 annually, whereas increasing liability limits 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 12 months. 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 do a rate comparison from multiple companies. Every auto insurance 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 Cheaper Nissan Xterra Insurance

Finding cheaper rates on insurance for a Nissan Xterra consists of being a good driver, having a positive credit history, paying for small claims out-of-pocket, and not having any coverage lapses. Shop around every year by requesting quotes from direct car insurance companies, and also from your local car insurance providers.

The following list is a condensed summary of the coverage data covered in the charts and tables above.

• You may be able to save approximately $80 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $125 each year
• Drivers age 16 to 20 have the highest car insurance rates, with premiums being up to $283 each month if full coverage is purchased
• Drivers considered higher risk with multiple at-fault accidents could be charged and average of $920 more annually than a safer driver