Nissan Xterra Insurance Rates

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

Average premium for full coverage: $808

Policy rates by type of insurance:

Full coverage includes $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural areas are shown to have a lower frequency of comprehensive and collision claims than larger metro areas.

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

The examples above highlight why all drivers should compare rates based on a specific location and risk profile, rather than relying on price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $511
• Drivers who choose higher $1,000 deductibles will pay around $46 every year
• The average rate for a good driver age 40 with $500 deductibles is $808
• Choosing low deductibles for comprehensive and collision insurance will increase the cost to $896
• High risk drivers with multiple violations and an at-fault accident could pay upwards of $1,730 or more
• Policy cost for full coverage for a teen driver may cost $3,396 a year

View Chart as Image

Insurance rates for a Nissan Xterra also range considerably based on your risk profile, the model of your Xterra, and policy deductibles and limits.

More mature drivers with no violations or accidents and high deductibles could pay as little as $800 per year on average, or $67 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay upwards of $3,300 a year. View Rates by Age

Your home state makes a big difference in Nissan Xterra insurance rates. A 40-year-old driver could pay 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 save up to $140 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at a minimum $1,000 to $1,400 additional every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 41% to 137% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Every company uses a different rate calculation, and rates will be varied from one company to the next.

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 More Affordable Nissan Xterra Insurance

Finding cheaper rates on Nissan Xterra insurance not only requires being a good driver, but also having a good credit history, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Invest the time to shop around every couple of years by quoting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The following list is a summary of the material that was illustrated above.

• Drivers who require an increased level of liability coverage will pay about $490 per year to go from a 30/60 limit to 250/500 limits
• Drivers age 16 to 20 pay higher rates, with premiums being up to $283 each month including comprehensive and collision insurance
• High-risk drivers who have multiple accidents or major violations may pay on average $920 more each year than a safer driver
• Increasing comprehensive and collision deductibles can save around $125 each year