Nissan Xterra Insurance Rates

The average insurance prices for a Nissan Xterra are $808 every 12 months for full coverage. Comprehensive costs an estimated $110 each year, collision costs $98, and liability insurance costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing around $1,730. Teens cost the most to insure at $3,396 a year or more.

Average premium for full coverage: $808

Policy rates broken down by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. More rural locations are shown to have more infrequent accident claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine insurance prices.

The examples above show why all drivers should compare rates for a targeted area and their own driving history, rather than relying on averaged prices.

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

Detailed Rate Analysis

The chart below shows estimated Nissan Xterra insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $511
• Drivers who choose higher $1,000 deductibles will pay approximately $46 a year
• The average price for a good driver age 40 who has $500 deductibles is $808
• Selecting low deductibles for comprehensive and collision insurance increases the price to $896
• High risk drivers with serious driving violations could pay up to $1,730 or more
• Policy cost to insure a teen driver can cost as much as $3,396 a year

View Chart as Image

Auto insurance rates for a Nissan Xterra also range considerably based on liability limits and deductibles, your driver profile, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $140 each year, whereas increasing liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

More mature drivers with a good driving record and higher deductibles could pay as little as $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay at least $3,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,000 to $1,400 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 41% to 137% more than the average policy. View High Risk Driver Rates

Your home state makes a big difference in Nissan Xterra insurance rates. A 40-year-old driver could pay as low as $530 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,160 on average in New York, Louisiana, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to know which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Every company calculates rates differently, and quoted rates will be varied.

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 the Cheapest Nissan Xterra Insurance

Finding cheaper rates on Nissan Xterra insurance not only requires having a decent driving record, but also having a good credit score, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates at every other renewal by obtaining price quotes from direct carriers, and also from several local insurance agents.

The following items are a recap of the concepts that were covered in the charts and tables above.

• High-risk drivers that have major violations or accidents pay on average $920 more annually than a driver with a clean driving record
• 16 to 18-year-old drivers are the costliest to insure, costing up to $283 each month if comprehensive and collision insurance is included
• Drivers can save approximately $80 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $125 each year
• Drivers can save approximately $80 per year simply by quoting online in advance