Nissan Xterra Insurance Rates

Estimated insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive insurance costs approximately $110, collision costs $98, and liability coverage costs around $442. Liability-only coverage costs as low as $496 a year, with high-risk coverage costing $1,730 or more. Teenage drivers pay the most at $3,396 a year or more.

Average premium for full coverage: $808

Premium estimates by type of coverage:

Includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates include averaging for all 50 states and for all Xterra models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of auto insurance. Rural locations are statistically proven to have a lower frequency of physical damage claims than densely populated cities.

The example below illustrates how location impacts auto insurance prices.

These rate differences illustrate why everyone should compare prices using their specific location and risk profile, rather than using average rates.

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

Additional Rate Analysis

The chart below illustrates estimated Nissan Xterra insurance rates for additional coverage and risk scenarios.

• The best discount rate is $511
• Using higher $1,000 deductibles will save $46 each year
• The average rate for a 40-year-old good driver who chooses $500 deductibles is $808
• Using pricier low deductibles for physical damage coverage will cost an extra $88 each year
• Higher-risk drivers who are prone to accidents and violations could pay around $1,730 or more
• An auto insurance policy for full coverage for a teenage driver for full coverage can cost $3,396 or more

View Chart as Image

Insurance prices for a Nissan Xterra also have a wide range based on your driving characteristics, the model year and trim level, and physical damage deductibles and liability limits.

A more mature driver with a clean driving record and high deductibles may only pay around $800 a year, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay in the ballpark of $3,300 a year. View Rates by Age

Where you choose to live has a huge impact on Nissan Xterra insurance rates. A driver around age 40 might see prices as low as $530 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,100 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $140 a year, whereas buying more liability protection will push prices upward. Switching from a 50/100 limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying anywhere from $1,000 to $1,400 extra annually, depending on your age. Nissan Xterra insurance for high-risk drivers can be around 41% to 137% more than a normal policy. View High Risk Driver Rates

With such a large range in prices, the only way to figure out who has the best car insurance prices is to regularly compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, so the prices will be substantially different 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 better rates on auto insurance requires having a decent driving record, maintaining good credit, paying for small claims out-of-pocket, and maximizing policy discounts. Spend time shopping around at least once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following items are a recap of the primary concepts that were touched on above.

• It is possible to save around $80 per year simply by quoting online well ahead of the renewal date
• Drivers that have major violations or accidents may pay on average $920 more per year than a driver with a clean driving record
• Increasing policy deductibles can save around $125 each year
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $283 per month for full coverage