Nissan Xterra Insurance Rates

U.S. average insurance prices for a Nissan Xterra are $808 every 12 months for full coverage insurance. Comprehensive insurance costs around $110, collision costs $98, and liability coverage is estimated at $442. A policy with just liability insurance costs approximately $496 a year, with coverage for high-risk drivers costing $1,730 or more. Teens pay the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Price estimates for individual coverage:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for different Xterra trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on car insurance rates. Areas with sparse population have more infrequent physical damage claims than cities with more traffic congestion.

The price range example below illustrates the difference location can make on auto insurance rates.

The ranges above illustrate why anyone shopping for car insurance should get quotes for a specific zip code and their own driving history, rather than using averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $511
• Choosing higher $1,000 deductibles can save about $46 each year
• The average price for the average middle-age driver using $500 deductibles is $808
• Selecting more expensive low deductibles for comp and collision coverage costs an extra $88 each year
• Drivers with serious driving violations could pay at least $1,730 or more
• The price to insure a teenage driver with full coverage can be $3,396 each year

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Insurance prices for a Nissan Xterra are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $140 a year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles may only pay around $800 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay as much as $3,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,000 to $1,400 extra each year, depending on your age. High-risk driver insurance ranges around 41% to 137% more than the average policy. View High Risk Driver Rates

The state you live in 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 Vermont, Wisconsin, and North Carolina, or have to pay at least $1,100 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out your exact price is to compare prices and see how they stack up. Each auto insurer calculates prices differently, so the 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 Shop for Affordable Nissan Xterra Insurance

Getting lower rates on auto insurance takes being a good driver, having good credit, not filing small claims, and insuring your home and auto with the same company. Make time to compare rates every time your policy renews by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a brief review of the information touched on in this article.

• It is possible to save up to $80 per year simply by shopping early and online
• Drivers age 16 to 20 pay higher prices, as much as $283 a month if they have full coverage
• Increasing physical damage deductibles could save as much as $125 each year
• Drivers with DUI or reckless driving convictions may pay on average $920 more every year than a safer driver
• Consumers who may need an increased level of liability coverage will pay approximately $490 annually to raise limits from a low limit to a 250/500 level