Nissan Xterra Insurance Rates

Estimated insurance rates for a Nissan Xterra are $808 a year including full coverage. Comprehensive insurance costs around $110 each year, collision costs $98, and liability coverage costs around $442. Liability-only coverage costs as low as $496 a year, with high-risk coverage costing $1,730 or more. Teen drivers pay the most at $3,396 a year or more.

Average premium for full coverage: $808

Premium estimates for type of coverage:

Price estimates include $500 physical damage insurance deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Xterra models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than larger metro areas.

The graphic below illustrates the effect of geographic area on auto insurance rates.

These rate differences highlight why all drivers should compare prices for a specific zip code, rather than using price averages.

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

Rates by State, City, and Model

The chart below breaks down estimated Nissan Xterra insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $511
• Using higher $1,000 deductibles will save about $46 every year
• The estimated price for a 40-year-old good driver using $500 deductibles is $808
• Choosing low deductibles for physical damage coverage will cost an additional $88 each year
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $1,730 or more
• An auto insurance policy that insures a teenage driver can be $3,396 or more

View Chart as Image

Insurance prices for a Nissan Xterra also have a wide range based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are likely paying at least $1,000 to $1,400 extra annually, depending on your age. Insurance for high-risk drivers can be around 41% to 137% more than average. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $800 a year, or $67 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay as much as $3,300 a year. View Rates by Age

Where you choose to live has a huge impact on Nissan Xterra insurance rates. A driver around age 40 might see prices as low as $620 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,160 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles could cut prices by as much as $140 a year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out your exact price is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, so the prices will be substantially 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 Find Cheaper Nissan Xterra Insurance

Finding better rates on auto insurance requires being a low-risk driver, having above-average credit, refrain from filing small claims, and insuring your home and auto with the same company. Shop around every year by quoting rates from direct car insurance companies, and also from local insurance agencies.

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

• You may be able to save up to $80 per year simply by quoting online in advance
• Increasing policy deductibles can save approximately $125 each year
• Teen drivers pay higher prices, with the cost nearing $283 per month if full coverage is included
• Drivers with multiple at-fault accidents may have to pay on average $920 more every year to insure their Xterra