Nissan Xterra Insurance Rates

Average insurance rates for a Nissan Xterra are $808 a year including full coverage. Comprehensive insurance costs approximately $110 each year, collision insurance costs $98, and liability insurance costs around $442. Buying just liability costs as low as $496 a year, and insurance 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 by individual coverage type:

Includes $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Xterra models.

Price Range by Coverage and Risk

Price Range by Location

Where you live has a significant impact on car insurance prices. Rural locations tend to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates how location helps determine auto insurance prices.

These examples highlight why all drivers should compare prices using their specific location, rather than relying on average rates.

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

Rate Comparisons

The chart below breaks down average Nissan Xterra insurance rates for additional coverage and risk scenarios.

• The best discount rate is $511
• Using higher $1,000 deductibles will save $46 every year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $808
• Using low deductibles for physical damage coverage will cost an additional $88 a year
• Drivers who are prone to accidents and violations could pay around $1,730
• The cost that insures a teen driver can cost $3,396 or more

View Chart as Image

Auto insurance rates for a Nissan Xterra can also vary considerably based on the trim level and model year, your driving record and age, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are likely paying anywhere from $1,000 to $1,400 in extra premium per year, depending on your age. Insurance for high-risk drivers can be anywhere from 41% to 137% more than a normal policy. View High Risk Driver Rates

More mature drivers with a good driving record and higher comprehensive and collision deductibles could pay as little as $800 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $3,300 a year. View Rates by Age

Where you live 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 Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,160 on average in Louisiana, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $140 each year, whereas increasing liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 extra every 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 the Cheapest Nissan Xterra Insurance

Saving money on Nissan Xterra insurance requires having a decent driving record, maintaining a good credit score, not filing small claims, and possibly higher deductibles. Compare prices every time your policy renews by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local auto insurance providers.

The following items are a recap of the information covered in the charts and tables above.

• You may be able to save around $80 per year just by quoting online in advance
• 16 to 18-year-old drivers have the highest car insurance rates, as much as $283 per month if the policy includes full coverage
• Increasing deductibles can save approximately $125 each year
• High-risk drivers that have major violations or accidents will likely pay on average $920 more per year than a driver with a clean driving record
• Drivers who purchase additional liability coverage will pay an extra $490 per year to increase from a minimum limit to the 250/500 level