Nissan Xterra Insurance Rates

Estimated insurance rates for a Nissan Xterra are $808 a year for full coverage. Comprehensive costs approximately $110 a year, collision insurance costs $98, and liability insurance is estimated at $442. A policy with only liability insurance costs approximately $496 a year, and a high-risk policy costs around $1,730. Teens pay the most at up to $3,396 a year.

Average premium for full coverage: $808

Premium estimates by type of coverage:

These estimates include $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all states and Xterra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on auto insurance prices.

These rate differences show why it is important to get quotes using their specific location, rather than relying on averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $511
• Choosing higher $1,000 deductibles can save $762 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $808
• Selecting low $100 deductibles for comp and collision coverage bumps up the cost to $896
• High-risk insureds with serious driving violations could pay around $1,730
• An auto insurance policy that insures a teen driver can cost $3,396 each year

View Chart as Image

Car insurance prices for a Nissan Xterra also have a wide range based on the trim level of your Xterra, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,000 to $1,400 extra annually, depending on your age. A high-risk auto insurance policy ranges anywhere from 41% to 137% more than the average policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $800 annually on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged in the ballpark of $3,300 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Nissan Xterra insurance rates. A good driver about age 40 could pay as low as $530 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,160 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $140 each year, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

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 Cheap Nissan Xterra Insurance

Finding better rates on Nissan Xterra insurance takes being a low-risk driver, having a positive credit history, not filing small claims, and attention to physical damage deductibles. Compare rates at least every other year by requesting quotes from direct carriers, and also from insurance agencies where you live.

The items below are a brief summary of the car insurance concepts touched on in this article.

• High-risk drivers that tend to have accidents or serious violations could be forced to pay on average $920 more per year to insure their Xterra
• Drivers can save around $80 per year just by quoting early and online
• Increasing policy deductibles can save approximately $125 each year
• Drivers who purchase more liability coverage will pay approximately $490 each year to raise limits from 30/60 bodily injury limits to the 250/500 level