Nissan Xterra Insurance Rates

Estimated insurance prices for a Nissan Xterra are $808 every 12 months for full coverage insurance. Comprehensive insurance costs on average $110 a year, collision costs $98, and liability coverage costs $442. A policy with only liability insurance costs as little as $496 a year, with a high-risk policy costing $1,730 or more. Teenage drivers pay the most at $3,396 a year or more.

Average premium for full coverage: $808

Premium estimates by type of coverage:

Price estimates include $500 comprehensive and collision deductibles, 30/60 liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 states and Xterra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on insurance rates. Rural areas are statistically proven to have more infrequent physical damage claims than densely populated cities.

The diagram below illustrates how your location can change car insurance rates.

These rate differences illustrate why it is important to compare rates based on a specific location and their own driving history, rather than using average rates.

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

Rates by State, City, and Model

The chart below illustrates estimated Nissan Xterra insurance rates for different risk profiles and scenarios.

• The best discount rate is $511
• Drivers who choose higher $1,000 deductibles will pay around $762 each year
• The average price for a 40-year-old good driver with $500 deductibles is $808
• Using low $100 deductibles for comprehensive and collision insurance costs an extra $88 each year
• High-risk insureds who are prone to accidents and violations could pay upwards of $1,730 or more
• An auto insurance policy to insure a teenage driver may cost $3,396 a year

View Chart as Image

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

Using high physical damage deductibles could save up to $140 a year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may only pay around $800 per year on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged upwards of $3,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at a minimum $1,000 to $1,400 extra annually, depending on your age. A high-risk auto insurance policy can cost around 41% to 137% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Nissan Xterra insurance rates. A 40-year-old driver could pay as low as $530 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,100 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out exactly what you will pay is to get quotes and see how they stack up. Every company uses a different method to calculate prices, so rate quotes 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 Shop for Cheaper Nissan Xterra Insurance

Finding better rates on auto insurance not only requires avoiding accidents and violations, but also maintaining a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Invest the time to shop around at every policy renewal by requesting rates from direct insurance companies, and also from several local insurance agents.

The list below is a condensed summary of the data illustrated above.

• Consumers who require higher liability limits will pay an extra $490 annually to go from 30/60 bodily injury limits to a 250/500 level
• It is possible to save as much as $80 per year simply by quoting early and online
• Increasing policy deductibles could save as much as $125 each year
• Teenagers are expensive to insure, with premiums being up to $283 per month if the policy includes full coverage