Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive costs an estimated $110 each year, collision costs $98, and liability costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing around $1,730. Teen drivers 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 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than larger metro areas.

The graphic below illustrates how your location can change insurance prices.

The examples above illustrate why all drivers should compare rates for a targeted area and risk profile, instead of using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $511
• Drivers who choose higher $1,000 deductibles will pay approximately $46 each year
• The average rate for a good driver age 40 who has $500 deductibles is $808
• Choosing low deductibles for comprehensive and collision insurance will increase the cost to $896
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $1,730 or more
• Policy cost for full coverage for 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 your risk profile, the model year and trim level, and liability limits and deductibles.

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

Your home state 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 North Carolina, Wisconsin, and Vermont, or as much as $1,100 on average in Florida, New York, and Michigan.

View Chart as Image

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

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,000 to $1,400 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost as much as 41% to 137% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Every company uses a different rate calculation, and quoted rates will be varied 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 the Cheapest Nissan Xterra Insurance

Finding cheaper rates on car insurance not only requires being safe and accident-free, but also having good credit, being claim-free, and qualifying for all possible discounts. Invest the time to shop around every couple of years by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a recap of the material that was illustrated above.

• Policyholders who want more liability protection will pay about $490 annually to go from a 30/60 limit to 250/500 limits
• Youthful drivers are the costliest to insure, possibly costing $283 each month if they have full coverage
• Higher risk drivers that have major violations or accidents pay on average $920 more annually than a low-risk driver
• Increasing comprehensive and collision deductibles can save around $125 each year