Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year for full coverage. Comprehensive insurance costs around $110 a year, collision insurance costs $98, and liability costs around $442. A liability-only policy costs as low as $496 a year, and high-risk insurance costs $1,730 or more. Teen drivers cost the most to insure at up to $3,396 a year.

Average premium for full coverage: $808

Policy rates for type of insurance:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than larger metro areas. The diagram below illustrates the difference location can make on auto insurance rates.

The examples above show why it is important to compare prices for a specific zip code, instead of using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $511
• Using higher $1,000 deductibles will save about $762 a year
• The estimated price for a good driver age 40 using $500 deductibles is $808
• Choosing low $100 deductibles for physical damage coverage will cost an additional $88 every year
• Drivers with multiple violations and an at-fault accident could pay at least $1,730
• Policy cost that insures a teen driver can be $3,396 or more

View Chart as Image

Car insurance rates for a Nissan Xterra also range considerably based on the trim level of your Xterra, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,000 to $1,400 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 41% to 137% more than average. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may pay as little as $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged as much as $3,300 a year. View Rates by Age

Your home state has a huge impact on Nissan Xterra insurance prices. A driver around age 40 might see rates as low as $530 a year in states like Idaho, Maine, and Iowa, or as much as $1,160 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing high deductibles could cut rates by as much as $140 every year, while buying higher liability limits will increase rates. Going 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

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 Cheap Nissan Xterra Insurance

Finding cheaper rates on car insurance requires avoiding accidents and violations, having a positive credit history, avoid buying unnecessary coverage, and consideration of higher deductibles. Shop around every time your policy renews by getting quotes from direct carriers, and also from several local insurance agents.

The list below is a brief summary of the information touched on in this article.

• Drivers can save up to $80 per year just by quoting early and online
• Teenagers are the costliest to insure, costing up to $283 each month if full coverage is purchased
• Increasing comprehensive and collision deductibles can save approximately $125 each year
• Higher risk drivers that tend to have accidents or serious violations pay on average $920 more every year for car insurance
• Policyholders who may need higher liability limits will pay about $490 each year to increase from a 30/60 limit to the 250/500 level