Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year with full coverage. Comprehensive insurance costs an estimated $110 a year, collision costs $98, and liability is $442. Buying just liability costs around $496 a year, with insurance for high-risk drivers costing $1,730 or more. 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:

Prices include $500 policy deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all U.S. states and Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. More rural locations are shown to have a lower frequency of collision claims than larger metro areas.

The diagram below illustrates how rural and urban location affects insurance prices.

The examples above demonstrate why it is important to compare rates quotes for a targeted area and risk profile, instead of making a decision based on price averages.

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

More Rate Information

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

• The lowest rate with discounts is $511
• Raising to $1,000 deductibles will save approximately $762 annually
• The average rate for a good driver age 40 who has $500 deductibles is $808
• Choosing low $100 deductibles will cost an extra $88 annually
• Drivers with multiple violations and an at-fault accident could pay up to $1,730 or more
• Policy cost for full coverage for a 16-year-old driver can cost as much as $3,396

View Chart as Image

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

Older drivers with a clean driving record and high deductibles may pay as low as $800 every 12 months on average, or $67 per month, for full coverage. Rates are highest for teenagers, where even good drivers can expect to pay at least $3,300 a year. View Rates by Age

Your home state also has a big influence on Nissan Xterra insurance prices. A middle-age driver might find rates as low as $590 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,100 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing high deductibles can reduce rates by up to $140 annually, while buying higher liability limits will increase premiums. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out $1,000 to $1,400 extra every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 41% to 137% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out which auto insurance is cheapest is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, so the 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 Right Nissan Xterra Insurance

Finding cheaper rates on insurance for a Nissan Xterra consists of avoiding accidents and claims, maintaining good credit, not filing small claims, and taking advantage of discounts. Set aside time to shop around once a year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The points below are a quick rundown of the data that was raised in the charts and tables above.

• You may be able to save approximately $80 per year simply by quoting early and online
• Insureds who want increased liability limits will pay about $490 every year to raise from a 30/60 limit to 250/500 limits
• Drivers under the age of 20 are charged the highest rates, as much as $283 each month for full coverage
• Drivers considered higher risk with reckless driving or DUI convictions may pay on average $920 more annually to insure a Nissan Xterra