Nissan Xterra X 2WD Insurance Rates
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Average auto insurance rates for a Nissan Xterra X 2WD are $1,130 annually with full coverage. Comprehensive costs on average $258 a year, collision insurance costs $350, and liability coverage costs $364. Buying just liability costs as little as $430 a year, and insurance for high-risk drivers costs around $2,400. Teenage drivers receive the highest rates at up to $4,224 a year.
Annual premium for full coverage: $1,130
Rate estimates by individual coverage type:
40-year-old driver, full coverage with $500 deductibles, and good driving record
Price Range for Insurance for this Nissan Xterra Trim Level
For an average driver, prices range from as cheap as $430 for minimum levels of liability insurance to a high of $2,400 for a driver required to buy high-risk insurance.
Price Range by Location
Your location has a large influence on auto insurance rates. Rural areas tend to have fewer collision claims than densely populated cities. The diagram below illustrates the effect of geographic area on car insurance rates.
These differences demonstrate why it is important for drivers to compare rates based on a specific location and their own personal driving habits, rather than using average rates.
Use the form below to get rates for your location.
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Recommended Companies for Cheap Nissan Xterra X 2WD Insurance
Auto insurance rates for a Nissan Xterra X 2WD can also vary considerably based on the model year of your Xterra, your driving record, and policy deductibles and limits.
Older drivers with a good driving record and high physical damage deductibles may only pay around $1,100 per year on average for full coverage. Prices are much higher for teen drivers, where even without any violations or accidents they will have to pay upwards of $4,200 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,300 to $1,800 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost around 43% to 129% more than a normal policy. View High Risk Driver Rates
Using high physical damage deductibles could save up to $400 a year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $327 extra every year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Nissan Xterra X 2WD insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Indiana, Ohio, and Vermont, or be forced to pay as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.
With so much variability in prices, the best way to find 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, and quoted rates can be significantly different between companies.
The chart above shows Nissan Xterra X 2WD insurance prices for various situations. The cheapest price with discounts is $678. Drivers who use higher $1,000 deductibles will pay about $992. The average price for a 40-year-old male driver using $500 deductibles is $1,130. Choosing low $100 deductibles for comp and collision coverage can cost as much as $1,392. Drivers with multiple violations and accidents could be charged as much as $2,400. The cost for full coverage insurance for a teen driver is $4,224.
|State||Premium||Compared to U.S. Avg||Percent Difference|
Rate Tables and Charts
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Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$75|
|5-yr Claim Free||$70|
|Paid in Full/EFT||$47|
Discounts are estimated and may not be available from every company or in every state.
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