Nissan Xterra Insurance Rates

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

Average premium for full coverage: $808

Policy rates for type of insurance:

Price estimates include $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and for different Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than densely populated cities.

The price range example below illustrates how rural and urban location affects auto insurance rates.

The examples above highlight why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, rather than relying on average rates.

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

Rate Comparisons

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

• The best discount rate is $511
• Using higher $1,000 deductibles will save about $46 every year
• The average rate for a good driver age 40 using $500 deductibles is $808
• Using more expensive low deductibles for physical damage coverage will increase the cost to $896
• Drivers who are prone to accidents and violations could pay at least $1,730 or more
• Policy cost for full coverage for a teen driver with full coverage can be $3,396 or more

View Chart as Image

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

An older driver with no driving violations and high deductibles could pay as little as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged as much as $3,300 a year. View Rates by Age

Your home state has a huge impact on Nissan Xterra insurance rates. A driver around age 40 might see rates as low as $620 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,160 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $140 each year, while increasing your policy's liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. 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 least $1,000 to $1,400 extra every year, depending on your age. High-risk driver insurance can be anywhere from 41% to 137% more than a normal policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to compare rates from as many companies as possible. Each insurance company uses a different method to calculate rates, so rate quotes 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 Cheaper Nissan Xterra Insurance

Finding cheaper rates on Nissan Xterra insurance requires being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Set aside time to shop around every other policy renewal by requesting quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a condensed summary of the ideas that were raised in the charts and tables above.

• Teenage drivers are the costliest to insure, with premiums being up to $283 each month if full coverage is included
• High-risk drivers with multiple at-fault accidents pay on average $920 more every year for auto insurance
• Increasing comprehensive and collision deductibles can save around $125 each year
• You may be able to save up to $80 per year simply by shopping early and online