Nissan Xterra Insurance Rates

U.S. average insurance rates for a Nissan Xterra are $808 a year with full coverage. Comprehensive costs approximately $110, collision costs $98, and liability coverage costs around $442. Liability-only coverage costs as low as $496 a year, with high-risk coverage costing around $1,730. Teens pay the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Price estimates by individual coverage:

Includes $500 physical damage deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and for different Xterra trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of insurance. Rural locations have lower incidents of collision claims than cities with more traffic congestion.

The price range example below illustrates how where you live affects auto insurance prices.

The ranges above demonstrate why anyone shopping for car insurance should compare prices using their specific location, rather than using averaged prices.

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

Rates by State, City, and Model

The chart below details estimated Nissan Xterra insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $511
• Using higher $1,000 deductibles will save $46 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $808
• Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $896
• Higher-risk drivers with serious driving violations could pay around $1,730 or more
• The price that insures a teenage driver with full coverage can cost $3,396 or more

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Auto insurance prices for a Nissan Xterra are also quite variable based on the model year and trim level, your age and driving habits, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,000 to $1,400 in extra premium each year, depending on your age. High-risk driver insurance can be around 41% to 137% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may only pay around $800 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $3,300 a year. View Rates by Age

The state you live in has a huge impact on Nissan Xterra insurance rates. A driver around age 40 might see prices as low as $590 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,100 on average in New York, Michigan, and Florida.

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Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $140 a year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to compare prices and see how they stack up. Each insurance company calculates prices differently, and quoted prices may be quite different.

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 the Cheapest Nissan Xterra Insurance

Getting lower rates on auto insurance requires being a safe and courteous driver, maintaining a good credit score, avoid buying unnecessary coverage, and not having any coverage lapses. Compare rates every time your policy renews by getting rate quotes from direct companies, and also from local insurance agencies.

Below is a recap of the information touched on in the above illustrations.

• You may be able to save around $80 per year simply by shopping early and online
• Teenage drivers have the highest car insurance prices, costing up to $283 a month if the policy includes full coverage
• Increasing physical damage deductibles can save approximately $125 each year
• Drivers that have major violations or accidents may have to pay on average $920 more per year for auto insurance
• Consumers who purchase higher levels of liability will pay approximately $490 every year to increase from a low limit to the 250/500 level