Nissan Xterra Insurance Rates

U.S. average auto insurance rates for a Nissan Xterra are $808 annually for full coverage insurance. Comprehensive insurance costs around $110, collision costs $98, and liability coverage is $442. A policy with just liability insurance costs around $496 a year, with coverage for high-risk drivers costing $1,730 or more. Teenage drivers pay the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Price estimates for individual coverage:

These estimates include $500 physical damage insurance deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 states and for different Xterra trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population have fewer physical damage claims than densely populated cities.

The price range example below illustrates the effect of geographic area on auto insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own personal driving habits, rather than 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 additional coverage choices and driver risks.

• The best discount rate is $511
• Raising to $1,000 deductibles will save about $46 each year
• The estimated rate for the average middle-age driver using $500 deductibles is $808
• Using more expensive low deductibles costs an additional $88 each year
• Unlucky drivers who are prone to accidents and violations could pay at least $1,730 or more
• The price with full coverage for a teenage driver with full coverage can be $3,396

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Insurance prices for a Nissan Xterra are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.

An older driver with a clean driving record and high physical damage deductibles may only pay around $800 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay as much as $3,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,000 to $1,400 extra each year, depending on your age. High-risk driver insurance is expensive and can cost around 41% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can reduce prices by up to $140 a year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

The state you live in also has a big influence on Nissan Xterra insurance rates. A middle-age driver might find prices 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.

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Since prices can be so different, the only way to figure out your exact price is to compare prices and see how they stack up. Every auto insurance company uses a different method to calculate prices, so the prices may be quite different between companies.

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 Buy Cheap Nissan Xterra Insurance

Getting lower rates on auto insurance consists of being a low-risk driver, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Take the time to compare rates at every policy renewal by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a brief summary of the data covered in the above illustrations.

• Consumers who may need more liability coverage will pay an extra $490 annually to raise from a low limit to higher 250/500 limits
• It is possible to save up to $80 per year simply by shopping early and online
• Increasing physical damage deductibles could save up to $125 each year
• Teen drivers pay higher prices, as much as $283 a month including comprehensive and collision insurance