Nissan Xterra Insurance Rates

Average insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive costs approximately $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 around $1,730. Teens receive the highest rates at up to $3,396 a year.

Average premium for full coverage: $808

Rate estimates by individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Xterra trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than cities with more traffic congestion. The diagram below illustrates the difference location can make on auto insurance prices.

These examples illustrate why it is important to compare prices using their specific location, instead of using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $511
• Using higher $1,000 deductibles will save $762 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $808
• Selecting low $100 deductibles for physical damage coverage bumps up the cost to $896
• Drivers with serious driving violations could pay around $1,730
• The cost that insures a teen driver can cost $3,396 or more

View Chart as Image

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

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,000 to $1,400 extra per year, depending on your age. A high-risk auto insurance policy can be as much as 41% to 137% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $800 a year for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect 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 prices. A driver around age 40 might see rates as low as $530 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,100 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $140 every year, while buying higher liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 more per 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 Affordable Nissan Xterra Insurance

Saving money on car insurance requires avoiding accidents and violations, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Compare rates every time your policy renews by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

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

• It is possible to save around $80 per year just by quoting early and online
• Teenagers are expensive to insure, costing up to $283 per month if full coverage is included
• Increasing deductibles can save approximately $125 each year
• Higher risk drivers with DUI or reckless driving convictions could be charged and average of $920 more per year for car insurance
• Policyholders who purchase higher liability limits will pay approximately $490 annually to increase from a minimum limit to the 250/500 level