Nissan Xterra Insurance Rates

Estimated insurance prices for a Nissan Xterra are $808 every 12 months for full coverage. Comprehensive costs approximately $110 each year, collision costs $98, and liability insurance is estimated at $442. A policy with only liability insurance costs approximately $496 a year, with a high-risk policy costing around $1,730. Teenage drivers pay the most at $3,396 a year or more.

Average premium for full coverage: $808

Premium estimates by type of coverage:

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all states and Xterra models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than densely populated cities.

The graphic below illustrates how location helps determine auto insurance prices.

These rate differences show why all drivers should get quotes using their specific location and their own driving history, rather than relying on average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $511
• Choosing higher $1,000 deductibles can save $46 a year
• The average price for a 40-year-old good driver who chooses $500 deductibles is $808
• Using low deductibles for comp and collision coverage increases the price to $896
• High-risk insureds who are prone to accidents and violations could pay around $1,730 or more
• An auto insurance policy to insure a teen driver can cost $3,396 each year

View Chart as Image

Car insurance prices for a Nissan Xterra also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your Xterra.

Using high physical damage deductibles can save as much as $140 each year, whereas increasing liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles could pay as little as $800 annually on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will be charged in the ballpark of $3,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,000 to $1,400 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 41% to 137% more than a normal policy. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Nissan Xterra insurance rates. A good driver about age 40 could pay as low as $530 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,160 on average in New York, Louisiana, and Michigan.

View Chart as Image

With such a large range in prices, the only way to know who has the cheapest car insurance prices is to do a rate comparison from as many companies as possible. Each auto insurer uses a different method to calculate prices, so rate quotes 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 Shop for Affordable Nissan Xterra Insurance

Finding better rates on Nissan Xterra insurance takes being a good driver, maintaining a good credit score, not filing small claims, and avoiding coverage lapses. Invest time comparing rates at least once a year by getting rate quotes from direct carriers, and also from your local independent and exclusive agents.

The following list is a brief review of the primary concepts that were covered in the charts and tables above.

• Drivers can save around $80 per year simply by quoting online in advance
• High-risk drivers with DUI or reckless driving convictions may pay on average $920 more per year than a safer driver
• Increasing policy deductibles could save as much as $125 each year
• Drivers age 16 to 20 pay the highest auto insurance prices, as much as $283 per month if the policy includes full coverage