Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year for full coverage. Comprehensive insurance costs approximately $110, collision insurance costs $98, and liability coverage costs $442. Buying just liability costs as little as $496 a year, and insurance for high-risk drivers costs $1,730 or more. 16-year-old drivers cost the most to insure at up to $3,396 a year.

Average premium for full coverage: $808

Policy rates by type of insurance:

Full coverage includes $500 physical damage insurance deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for different Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural locations are shown to have lower incidents of accident claims than congested cities. The price range example below illustrates how your location can change auto insurance prices.

The examples above show why anyone shopping for car insurance should compare rates using their specific location, rather than using rate averages.

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

More Rate Information

The chart below shows average Nissan Xterra insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $511
• Drivers who choose higher $1,000 deductibles will pay $46 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $808
• Buying more expensive low deductibles for comprehensive and collision insurance will cost an additional $88 each year
• High-risk insureds with multiple tickets or accidents could pay around $1,730
• Policy cost that insures a teenage driver with full coverage can cost $3,396 a year

View Chart as Image

Insurance rates for a Nissan Xterra also range considerably based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,000 to $1,400 extra every year, depending on your age. High-risk driver insurance can cost around 41% to 137% more than the average rate. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may only pay around $800 per year 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 in the ballpark of $3,300 a year. View Rates by Age

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 at least $1,160 on average in New York, Louisiana, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $140 a year, while increasing your policy's liability limits will push rates upward. Going 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

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 More Affordable Nissan Xterra Insurance

Finding cheaper rates on auto insurance not only requires being a low-risk driver, but also having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Comparison shop at least every other year by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

The items below are a summary of the car insurance concepts illustrated above.

• Drivers who have multiple accidents or major violations could be forced to pay on average $920 more per year to insure their Xterra
• Drivers can save around $80 per year just by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $125 each year
• Consumers who purchase more liability coverage will pay around $490 each year to go from a 30/60 limit to the 250/500 level