Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive costs on average $110, collision costs $98, and liability costs $442. A liability-only policy costs as little 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 by type of insurance:

Price estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for all Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on insurance rates. Rural areas are shown to have lower incidents of physical damage claims than densely populated cities.

The example below illustrates how location impacts car insurance rates.

The examples above illustrate why everyone should compare rates based on a specific location, instead of using average rates.

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

Additional Rate Information

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

• The best discount rate is $511
• Drivers who choose higher $1,000 deductibles will pay around $46 each year
• The estimated price for a good driver age 40 with $500 deductibles is $808
• Using pricier low deductibles for comprehensive and collision insurance bumps up the cost to $896
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $1,730 or more
• Policy cost that insures a teen driver for full coverage may cost $3,396 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are probably paying at a minimum $1,000 to $1,400 extra every year, depending on your age. Nissan Xterra insurance for high-risk drivers can cost as much as 41% to 137% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $3,300 a year. View Rates by Age

Your home state makes a big difference in Nissan Xterra insurance prices. 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.

View Chart as Image

Using high physical damage deductibles could save up to $140 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out exactly what you will pay is to regularly compare rates and see which company has the best rate. Every company uses a different method to calculate rates, so rate quotes will be varied.

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 car insurance not only requires avoiding accidents and claims, but also having a positive credit history, being claim-free, and maximizing policy discounts. Compare prices at every other renewal by requesting quotes from direct insurance companies, and also from your local independent and exclusive agents.

The points below are a condensed summary of the concepts that were touched on above.

• Higher risk drivers with multiple at-fault accidents may pay on average $920 more each year to insure a Nissan Xterra
• Drivers under the age of 20 are expensive to insure, possibly costing $283 each month if full coverage is purchased
• It is possible to save as much as $80 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $125 each year
• It is possible to save as much as $80 per year simply by quoting online well ahead of the renewal date