Nissan Xterra Insurance Rates

Average insurance prices for a Nissan Xterra are $808 every 12 months with full coverage. Comprehensive insurance costs approximately $110, collision insurance costs $98, and liability is estimated at $442. A policy with just liability insurance costs approximately $496 a year, and coverage for high-risk drivers costs $1,730 or more. Teenage drivers receive the highest rates at up to $3,396 a year.

Average premium for full coverage: $808

Rate estimates by individual coverage type:

Rate estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and for all Xterra models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on the price of insurance. Rural locations tend to have more infrequent collision claims than densely populated cities. The example below illustrates the difference location can make on auto insurance prices.

These examples demonstrate why everyone should get quotes using their specific location and their own driving history, instead of using average rates.

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

Rate Comparisons

The chart below details average Nissan Xterra insurance rates for additional coverage and risk scenarios.

• The best discount rate is $511
• Choosing higher $1,000 deductibles can save $46 annually
• The average price for a 40-year-old driver who chooses $500 deductibles is $808
• Using pricier low deductibles for comp and collision coverage costs an extra $88 every year
• Unlucky drivers who are prone to accidents and violations could pay around $1,730
• The cost to insure a teen driver for full coverage can cost $3,396 each year

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Insurance rates for a Nissan Xterra can also vary considerably based on policy deductibles and limits, your driving record, and the model of your Xterra.

Using high physical damage deductibles can save as much as $140 every year, whereas buying more liability protection will push rates upward. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles may pay as little as $800 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $3,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out anywhere from $1,000 to $1,400 additional per year, depending on your age. Nissan Xterra insurance for high-risk drivers ranges as much as 41% to 137% more than a normal policy. View High Risk Driver Rates

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

View Chart as Image

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 the Best Nissan Xterra Insurance

Saving money on car insurance takes being a low-risk driver, having above-average credit, eliminating unnecessary coverage, and consideration of higher deductibles. Make time to compare rates every time your policy renews by getting rate quotes from direct companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The items below are a brief recap of the information touched on in this article.

• You may be able to save around $80 per year just by quoting online well ahead of the renewal date
• Teen drivers are the costliest to insure, with premiums as much as $283 per month if full coverage is included
• Increasing deductibles could save as much as $125 each year
• Higher risk drivers who tend to receive serious violations could be forced to pay on average $920 more per year to insure their Xterra
• Policyholders who purchase more liability coverage will pay an extra $490 every year to raise limits from a minimum limit to a 250/500 level