Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year for full coverage. Comprehensive insurance costs on average $110 a year, collision costs $98, and liability costs around $442. Liability-only insurance costs as low as $496 a year, with high-risk driver insurance costing $1,730 or more. Teen 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 comprehensive and collision deductibles, bodily injury liability limits of 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 make a big difference on car insurance rates. Rural areas are shown to have lower incidents of accident claims than larger metro areas.

The diagram below illustrates how geographic area affects car insurance rates.

The examples above show why it is important to compare prices based on a specific location, instead of making a decision based on price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $511
• Using higher $1,000 deductibles will save around $762 a year
• The estimated price for a good driver age 40 with $500 deductibles is $808
• Choosing low $100 deductibles for physical damage coverage will cost an additional $88 annually
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $1,730 or more
• Policy cost that insures a 16-year-old driver may cost $3,396 or more

View Chart as Image

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

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

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay upwards of $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 annually, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes from multiple companies. Each insurance company uses a different rate calculation, and quoted rates 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 insurance for a Nissan Xterra requires having a decent driving record, maintaining a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Shop around every other policy renewal by quoting rates from direct carriers, and also from local exclusive and independent agents.

The following items are a condensed summary of the ideas that were presented in the illustrations above.

• 16 to 18-year-old drivers are charged the highest rates, costing up to $283 each month if the policy includes full coverage
• Drivers considered higher risk with multiple at-fault accidents may pay on average $920 more each year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save approximately $125 each year
• Drivers can save as much as $80 per year simply by quoting early and online