Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year for full coverage. Comprehensive costs approximately $110, collision costs $98, and liability insurance costs $442. Liability-only coverage costs as little as $496 a year, with high-risk coverage costing around $1,730. 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:

Full coverage includes $500 deductible amounts, 30/60 liability coverage, and includes additional medical/uninsured motorist coverage. Prices are averaged for all states and for all Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on car insurance rates. Rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above show why everyone should compare rates using their specific location, rather than relying on averaged prices.

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

Additional Rate Analysis

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

• The cheapest rate after discounts is $511
• Drivers who choose higher $1,000 deductibles will pay $46 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $808
• Selecting pricier low deductibles for comprehensive and collision insurance bumps up the cost to $896
• High risk drivers with serious driving violations could pay around $1,730 or more
• Policy cost that insures a teen driver for full coverage can cost $3,396 a year

View Chart as Image

Insurance rates for a Nissan Xterra also range considerably based on the model of your Xterra, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,000 to $1,400 additional every year, depending on your age. Nissan Xterra insurance for high-risk drivers can cost anywhere from 41% to 137% more than the average policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles could pay as little as $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay in the ballpark of $3,300 a year. View Rates by Age

Your home state makes a big difference in Nissan Xterra insurance rates. A 40-year-old driver 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 could save up to $140 each year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know who has the cheapest car insurance rates is to regularly compare rates from as many companies as possible. Every company calculates rates differently, and rates will be varied.

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 More Affordable Nissan Xterra Insurance

Finding cheaper rates on Nissan Xterra insurance not only requires having a good driving record, but also having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Compare rates every year by getting rate quotes from direct carriers, and also from insurance agencies where you live.

The next list is a summary of the coverage data covered above.

• Drivers can save around $80 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $125 each year
• Drivers age 20 and younger are the costliest to insure, costing up to $283 each month if comprehensive and collision insurance is included
• High-risk drivers who have multiple accidents or major violations could be forced to pay on average $920 more per year to buy Nissan Xterra insurance