Nissan Xterra X 4WD Insurance Rates

U.S. average auto insurance rates for a Nissan Xterra X 4WD are $1,142 annually including full coverage. Comprehensive costs around $270, collision costs $350, and liability costs around $364. Liability-only insurance costs as low as $430 a year, with high-risk driver insurance costing around $2,422. Teenage drivers pay the highest rates at $4,246 a year or more.

Annual premium for full coverage: $1,142

Price estimates for type of coverage:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Nissan Xterra Trim Level

Geographic Price Range

Where you live can have significant affects on the price of insurance. Areas with sparse population have fewer comprehensive and collision claims than densely populated cities.

The example below illustrates the difference between rural and urban areas on auto insurance rates.

These price ranges highlight why everyone should compare prices for a specific zip code and their own personal driving habits, instead of using average rates.

Use the form below to get rates for your location.

Car insurance rates for a Nissan Xterra X 4WD are also quite variable based on the actual cash value of your Xterra, your driving characteristics, and deductibles and policy limits.

A more mature driver with no driving violations and high physical damage deductibles may pay as little as $1,100 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they will be charged as much as $4,200 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying at least $1,300 to $1,800 extra each year, depending on your age. Nissan Xterra X 4WD insurance for high-risk drivers can be as much as 42% to 127% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $410 every year, whereas buying more liability protection will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase rates by as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Nissan Xterra X 4WD insurance prices. A driver around age 40 might see prices as low as $1,060 a year in states like , Indiana, and North Carolina, or be forced to pay as much as $1,950 on average in Michigan, Montana, and Louisiana. Rates by state and city are shown later in the article.

Since prices can be so different, the best way to figure out your exact price is to regularly compare prices and see which company has the best price. Each insurance company uses a different method to calculate prices, so rate quotes may be quite different between companies.

View Chart as Image

The chart above shows average Nissan Xterra X 4WD insurance prices for different situations. The best price after discounts is $686. Drivers who use higher $1,000 deductibles will pay about $1,002. The average price for a driver age 40 with no violations using $500 deductibles is $1,142. Selecting more expensive $100 deductibles for collision and other-than-collision coverage could cost up to $1,412. Drivers with multiple violations and accidents could be charged at least $2,422. The rate for full coverage insurance for a 16-year-old driver can be as high as $4,246.

View Chart as Image