Nissan Xterra Insurance Rates

Estimated insurance rates for a Nissan Xterra are $808 a year for full coverage. Comprehensive costs approximately $110 a year, collision costs $98, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing around $1,730. Teen drivers pay the most at $3,396 a year or more.

Average premium for full coverage: $808

Premium estimates by type of coverage:

These estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all states and Xterra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Rural locations are statistically proven to have lower incidents of accident claims than larger metro areas.

The diagram below illustrates how your location can change auto insurance prices.

These rate differences show why it is important to get quotes using their specific location, instead of making a decision based on price averages.

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

Additional Rate Information

The chart below shows estimated Nissan Xterra insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $511
• Choosing higher $1,000 deductibles can save $762 a year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $808
• Choosing low $100 deductibles for comp and collision coverage bumps up the cost to $896
• Higher-risk drivers with multiple violations and an at-fault accident could pay around $1,730 or more
• An auto insurance policy that insures a 16-year-old driver can cost $3,396 each year

View Chart as Image

Insurance prices for a Nissan Xterra also have a wide range based on the trim level of your Xterra, how you drive, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you could be paying anywhere from $1,000 to $1,400 extra annually, depending on your age. A high-risk auto insurance policy ranges from 41% to 137% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $800 annually on average, or $67 per month, for full coverage. Prices are highest for drivers in their teens, 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 choose to live plays a big part in determining prices for Nissan Xterra insurance prices. A good driver about age 40 could pay as low as $530 a year in states like Iowa, Maine, and Idaho, or as much as $1,160 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $140 annually, while buying higher liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to get quotes from multiple companies. Each auto insurer uses a different rate calculation, so the prices will be substantially different.

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 better rates on insurance for a Nissan Xterra takes having a decent driving record, having above-average credit, not filing small claims, and maximizing policy discounts. Shop around every couple of years by requesting rates from direct carriers, and also from insurance agencies where you live.

The following items are a brief summary of the material that was illustrated above.

• Insureds who purchase additional liability coverage will pay about $490 each year to raise limits from 30/60 bodily injury limits to the 250/500 level
• 16 to 18-year-old drivers are expensive to insure, as much as $283 per month if full coverage is included
• Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $920 more per year than a driver with a clean driving record
• Increasing policy deductibles can save approximately $125 each year