Nissan Xterra Insurance Rates

The average auto insurance rates for a Nissan Xterra are $808 annually with full coverage. Comprehensive costs an estimated $110, collision insurance costs $98, and liability costs $442. Liability-only coverage costs as little as $496 a year, and high-risk coverage costs around $1,730. Teen drivers cost the most to insure at up to $3,396 a year.

Average premium for full coverage: $808

Policy rates broken down by type of insurance:

Rates are based on $500 policy deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for different Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. More rural locations are shown to have fewer collision claims than larger metro areas. The price range example below illustrates how location helps determine insurance prices.

The examples above demonstrate why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, instead of using price averages.

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

Additional Rate Information

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

• The lowest rate with discounts is $511
• Drivers who choose higher $1,000 deductibles will pay approximately $46 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $808
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost $896
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $1,730
• Policy cost with full coverage for a teen driver with full coverage can cost as much as $3,396 a year

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Insurance rates for a Nissan Xterra also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $800 per year on average, or $67 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay at least $3,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,000 to $1,400 additional every year, depending on your age. High-risk driver insurance can cost as much as 41% to 137% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $140 every year, while increasing your policy's liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Nissan Xterra insurance prices. A 40-year-old driver could pay as low as $590 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,100 on average in New York, Michigan, and Florida.

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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 the Best Cheap Nissan Xterra Insurance

Finding cheaper rates on car insurance not only requires being safe and accident-free, but also having good credit, not filing small claims, and possibly raising deductibles. Invest time comparing rates once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a quick review of the data that was covered in the charts and tables above.

• You may be able to save approximately $80 per year just by shopping early and online
• Policyholders who want more liability protection will pay about $490 every year to go from a 30/60 limit to higher 250/500 limits
• Youthful drivers are expensive to insure, as much as $283 each month if they have full coverage
• Higher risk drivers with a DUI or reckless driving violation pay on average $920 more annually than a low-risk driver