Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year including full coverage. Comprehensive insurance costs around $110 a year, collision costs $98, and liability insurance costs around $442. Liability-only insurance costs as low as $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 for type of insurance:

Estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion.

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

The examples above highlight why it is important to compare prices for a specific zip code and risk profile, rather than relying on averaged prices.

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

Additional Rate Information

The chart below breaks down estimated Nissan Xterra insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $511
• Using higher $1,000 deductibles will save about $762 every year
• The average rate for a good driver age 40 using $500 deductibles is $808
• Selecting low $100 deductibles for physical damage coverage will cost an extra $88 a year
• Drivers with serious driving violations could pay at least $1,730 or more
• Policy cost for full coverage for a teen driver can be $3,396 or more

View Chart as Image

Auto insurance rates for a Nissan Xterra also range considerably based on your risk profile, the model of your Xterra, and deductibles and policy limits.

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

Your home state has a huge impact on Nissan Xterra insurance rates. A driver around age 40 might see rates as low as $620 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,160 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $140 each year, while buying higher liability limits will increase rates. Changing 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 are likely paying at least $1,000 to $1,400 in extra premium every year, depending on your age. A high-risk auto insurance policy can be anywhere from 41% to 137% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to figure out your exact price is to get quotes from as many companies as possible. Each insurance company 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 Low Cost Nissan Xterra Insurance

Finding cheaper rates on Nissan Xterra insurance requires being a safe and courteous driver, having good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Take the time to compare rates every time your policy renews by requesting rates from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a review of the information covered in the above illustrations.

• You may be able to save up to $80 per year simply by quoting early and online
• Teenage drivers are expensive to insure, with premiums being up to $283 each month if they have full coverage
• Increasing comprehensive and collision deductibles can save around $125 each year
• High-risk drivers who have several accidents or serious violations pay on average $920 more every year for auto insurance
• Drivers who may need higher levels of liability will pay approximately $490 per year to increase from a 30/60 limit to 250/500 limits