Nissan Xterra Insurance Rates

Average insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive insurance costs around $110 a year, collision insurance costs $98, and liability insurance costs $442. A policy with just liability insurance costs as little as $496 a year, and coverage for high-risk drivers costs $1,730 or more. Teenage drivers receive the highest rates at up to $3,396 a year.

Average premium for full coverage: $808

Rate estimates for individual coverage type:

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and Xterra trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a significant impact on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

These examples illustrate why it is important to compare rates for a specific zip code, rather than relying on average rates.

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

More Rate Information

The chart below illustrates average Nissan Xterra insurance rates for additional coverage choices and driver risks.

• The best discount rate is $511
• Drivers who choose higher $1,000 deductibles will pay about $762 each year
• The estimated price for a 40-year-old driver using $500 deductibles is $808
• Using low $100 deductibles for comprehensive and collision insurance will cost an additional $88 a year
• High risk drivers who are prone to accidents and violations could pay at least $1,730
• The cost that insures a teen driver can be $3,396 a year

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Insurance rates for a Nissan Xterra can also vary considerably based on the trim level of your Xterra, your age and driving record, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are probably paying at least $1,000 to $1,400 additional per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 41% to 137% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $800 per year on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay as much as $3,300 a year. View Rates by Age

Where you 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.

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Using high physical damage deductibles could save up to $140 each year, while buying higher liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

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 Low Cost Nissan Xterra Insurance

Saving money on Nissan Xterra insurance not only requires being a good driver, but also having a good credit score, avoid buying unnecessary coverage, and deciding if full coverage is necessary. Compare prices every time your policy renews by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a review of the information covered above.

• It is possible to save up to $80 per year just by quoting early and online
• Drivers age 16 to 20 are charged the highest rates, costing up to $283 per month if comprehensive and collision insurance is included
• Increasing deductibles can save approximately $125 each year
• High-risk drivers who have several accidents or serious violations could be forced to pay on average $920 more every year than a safer driver
• Drivers who may need an increased level of liability coverage will pay an extra $490 annually to go from a minimum limit to the 250/500 level