Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive costs around $110, collision costs $98, and liability is estimated at $442. Buying just liability costs approximately $496 a year, with insurance for high-risk drivers 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 for type of insurance:

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for different Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than larger metro areas.

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

The examples above illustrate why anyone shopping for car insurance should get quotes for a specific zip code, instead of making a decision based on price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $511
• Choosing higher $1,000 deductibles can save about $46 each year
• The estimated price for a good driver age 40 using $500 deductibles is $808
• Choosing more expensive low deductibles for comp and collision coverage bumps up the cost to $896
• Higher-risk drivers with multiple violations and an at-fault accident could pay at least $1,730 or more
• Policy cost that insures a 16-year-old driver with full coverage can be $3,396 each year

View Chart as Image

Insurance rates for a Nissan Xterra also range considerably based on the model year and trim level, your age and driving record, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,000 to $1,400 extra every year, depending on your age. High-risk driver insurance ranges from 41% to 137% more than average. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as low as $800 annually on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records can expect to pay as much as $3,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Nissan Xterra insurance prices. A good driver about age 40 could pay as low as $530 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,100 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing high deductibles can save as much as $140 annually, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out your exact price is to compare rates from multiple companies. Each auto insurer uses a different rate calculation, so the 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 Find Low Cost Nissan Xterra Insurance

Finding cheaper rates on insurance for a Nissan Xterra takes having a decent driving record, having above-average credit, being claim-free, and insuring your home and auto with the same company. Shop around at least every other year by requesting rates from direct insurance companies, and also from insurance agencies where you live.

The following items are a review of the car insurance concepts touched on in this article.

• Drivers considered higher risk who have several accidents or serious violations could be forced to pay on average $920 more every year than a driver with a clean driving record
• It is possible to save up to $80 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $125 each year
• Insureds who may need additional liability coverage will pay about $490 annually to raise limits from a 30/60 limit to the 250/500 level