Nissan Xterra Insurance Rates

U.S. average insurance rates for a Nissan Xterra are $808 a year for full coverage. Comprehensive costs approximately $110 each year, collision costs $98, and liability costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing around $1,730. Teenage drivers pay the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Price estimates by individual coverage:

Prices are based on $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all states and Xterra models.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on car insurance rates. Rural locations have lower incidents of accident claims than densely populated cities.

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

The ranges above show why all drivers should compare rates using their specific location, instead of using average rates.

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 best discount rate is $511
• Drivers who choose higher $1,000 deductibles will pay $46 a year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $808
• Using low deductibles for comprehensive and collision insurance bumps up the cost to $896
• Higher-risk drivers who are prone to accidents and violations could pay around $1,730 or more
• The price that insures a teen driver can cost $3,396 a year

View Chart as Image

Insurance prices for a Nissan Xterra are also quite variable based on the trim level and model year, how you drive, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you could be paying anywhere from $1,000 to $1,400 additional each year, depending on your age. Insurance for high-risk drivers can cost as much as 41% to 137% more than a normal policy. View High Risk Driver Rates

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

The state you live in makes a big difference in Nissan Xterra insurance prices. A 40-year-old driver 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

Using high physical damage deductibles could save up to $140 every year, whereas increasing liability limits will push prices upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to do a rate comparison and see which company has the best price. Every company uses a different method to calculate prices, and prices may be quite 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 Find Affordable Nissan Xterra Insurance

Getting lower rates on car insurance not only requires having a decent driving record, but also having a good credit score, eliminating unnecessary coverage, and qualifying for all possible discounts. Compare prices every other policy renewal by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

The following items are a brief review of the ideas that were covered in the above illustrations.

• 16 to 18-year-old drivers are the costliest to insure, with premiums as much as $283 a month if comprehensive and collision insurance is included
• Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $920 more per year than a driver with a clean driving record
• Increasing physical damage deductibles can save approximately $125 each year
• Drivers can save around $80 per year simply by quoting online in advance