Nissan Xterra Insurance Rates

Estimated insurance rates for a Nissan Xterra are $808 a year with full coverage. Comprehensive insurance costs on average $110 a year, collision costs $98, and liability is estimated at $442. A liability-only policy costs approximately $496 a year, with high-risk insurance costing $1,730 or more. Teens 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 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all U.S. 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 auto insurance rates. Rural areas are statistically proven to have a lower frequency of collision claims than cities with more traffic congestion.

The diagram below illustrates how your location can change car insurance rates.

These rate differences demonstrate why it is important to get quotes based on a specific location and risk profile, instead of making a decision based on averaged prices.

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

More Rate Details

The chart below details estimated Nissan Xterra insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $511
• Choosing higher $1,000 deductibles can save around $762 annually
• The average rate for a 40-year-old good driver with $500 deductibles is $808
• Selecting low $100 deductibles for comp and collision coverage will cost an extra $88 annually
• Higher-risk drivers with serious driving violations could pay upwards of $1,730 or more
• An auto insurance policy for full coverage for a 16-year-old driver may cost $3,396 each year

View Chart as Image

Auto insurance prices for a Nissan Xterra also have a wide range based on your driving characteristics, the trim level and model year, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles may pay as low as $800 annually on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers will have to pay upwards 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 $590 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,100 on average in Florida, Michigan, and New York.

View Chart as Image

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

If you have a few violations or tend to cause accidents, you may be forking out at a minimum $1,000 to $1,400 in extra premium annually, depending on your age. A high-risk auto insurance policy ranges from 41% to 137% more than the average policy. View High Risk Driver Rates

With such a large range in prices, the best way to find out exactly what you will pay is to get quotes from multiple companies. Each auto insurer calculates prices differently, and quoted prices will be substantially different 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 Cheap Nissan Xterra Insurance

Finding better rates on insurance for a Nissan Xterra takes avoiding accidents and claims, having good credit, being claim-free, and taking advantage of discounts. Invest the time to shop around at least every other year by quoting rates from direct companies like Progressive, GEICO, and Esurance, and also from local insurance agents.

The points below are a brief summary of the car insurance concepts illustrated above.

• Drivers considered higher risk that tend to have accidents or serious violations may be required to pay an average of $920 more each year to insure a Nissan Xterra
• You may be able to save as much as $80 per year simply by quoting early and online
• Increasing policy deductibles can save around $125 each year
• Insureds who require increased liability limits will pay approximately $490 every year to raise limits from 30/60 bodily injury limits to 250/500 limits