Nissan Xterra Insurance Rates

U.S. average insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive costs an estimated $110 each year, collision insurance costs $98, and liability insurance is estimated at $442. Liability-only insurance costs approximately $496 a year, and high-risk driver insurance costs around $1,730. Teenage drivers pay the highest rates at up to $3,396 a year.

Average premium for full coverage: $808

Price estimates broken down by individual coverage:

Rate estimates include $500 policy deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Estimates are averaged for all 50 states and Xterra models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a significant impact on the price of insurance. More rural locations have lower incidents of physical damage claims than densely populated cities. The graphic below illustrates how location impacts insurance prices.

The ranges above illustrate why all drivers should get quotes for a targeted area, rather than relying on average rates.

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

Rate Comparisons

The chart below illustrates average Nissan Xterra insurance rates for other coverage scenarios.

• The best discount rate is $511
• Choosing higher $1,000 deductibles can save approximately $46 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $808
• Using low deductibles for comp and collision coverage bumps up the cost to $896
• High-risk insureds who are prone to accidents and violations could pay up to $1,730
• The price that insures a teen driver can cost as much as $3,396 each year

View Chart as Image

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

If you have some driving violations or you caused an accident, you are probably paying $1,000 to $1,400 extra each year, depending on your age. Insurance for high-risk drivers ranges anywhere from 41% to 137% more than a normal policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $800 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will be charged at least $3,300 a year. View Rates by Age

The state you live in plays a big part in determining prices for Nissan Xterra insurance rates. A good driver about age 40 could pay as low as $530 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,100 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $140 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. 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 Best Nissan Xterra Insurance

Getting lower rates on Nissan Xterra insurance takes being a good driver, having a positive credit history, not filing small claims, and possibly higher deductibles. Compare prices every couple of years by requesting quotes from direct insurance companies, and also from local insurance agencies.

The following list is a brief recap of the material that was touched on above.

• Drivers who want an increased level of liability coverage will pay an extra $490 annually to raise limits from a low limit to the 250/500 level
• Drivers age 16 to 20 have the highest car insurance prices, as much as $283 a month if full coverage is purchased
• High-risk drivers who tend to receive serious violations may have to pay on average $920 more annually than a safer driver
• Increasing physical damage deductibles can save approximately $125 each year