Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year for full coverage. Comprehensive insurance costs approximately $110 a year, collision costs $98, and liability is estimated at $442. Liability-only insurance costs approximately $496 a year, with high-risk driver insurance costing $1,730 or more. Teens cost the most to insure at $3,396 a year or more.

Average premium for full coverage: $808

Policy rates by type of insurance:

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and UM/UIM coverage. Prices are averaged for all states and Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on car insurance rates. Rural locations are shown to have a lower frequency of accident claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on auto insurance prices.

The examples above show why it is important to get quotes using their specific location and risk profile, instead of using averaged prices.

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

More Rate Details

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

• The cheapest rate after discounts is $511
• Choosing higher $1,000 deductibles can save $762 a year
• The average rate for a good driver age 40 who chooses $500 deductibles is $808
• Selecting low $100 deductibles for comp and collision coverage will cost an extra $88 every year
• Unlucky drivers with serious driving violations could pay around $1,730 or more
• Policy cost for full coverage for a teen driver can cost $3,396 each year

View Chart as Image

Auto insurance rates for a Nissan Xterra also range considerably based on your risk profile, the trim level of your Xterra, and physical damage deductibles and liability limits.

Older drivers with a good driving record and high deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $3,300 a year. View Rates by Age

Your home state 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 have to pay at least $1,160 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $140 every year, while buying higher liability limits will push rates upward. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you could be paying anywhere from $1,000 to $1,400 in extra premium every year, depending on your age. A high-risk auto insurance policy ranges as much as 41% to 137% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to get quotes and see which company has the best rate. Each auto insurer calculates rates differently, and quoted rates will be varied from one company to the next.

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

Finding cheaper rates on car insurance takes avoiding accidents and claims, having good credit, avoid buying unnecessary coverage, and not having any coverage lapses. Take the time to compare rates at least once a year by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a brief review of the primary concepts that were covered in the above illustrations.

• Drivers can save around $80 per year simply by quoting early and online
• Higher risk drivers with DUI or reckless driving convictions may pay on average $920 more per year to insure a Nissan Xterra
• Increasing comprehensive and collision deductibles can save around $125 each year
• Drivers under the age of 20 have the highest car insurance rates, costing up to $283 each month if they have full coverage