Nissan Xterra Insurance Rates

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

Average premium for full coverage: $808

Premium estimates by type of coverage:

Full coverage includes $500 policy deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all U.S. states and for different Xterra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on the price of insurance. Rural locations are statistically proven to have lower incidents of collision claims than densely populated cities.

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

These rate differences demonstrate why anyone shopping for car insurance should compare rates using their specific location, rather than using average rates.

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

Additional Rate Information

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

• The best discount rate is $511
• Drivers who choose higher $1,000 deductibles will pay $46 annually
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $808
• Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $896
• High-risk insureds who are prone to accidents and violations could pay around $1,730 or more
• An auto insurance policy that insures a teenage driver with full coverage can cost $3,396 a year

View Chart as Image

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

If you have a few violations or you caused an accident, you may be forking out anywhere from $1,000 to $1,400 extra annually, depending on your age. High-risk driver insurance can cost around 41% to 137% more than a normal policy. 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. Prices are much higher for drivers in their teens, since even teens with perfect driving records can expect to pay in the ballpark of $3,300 a year. View Rates by Age

Where you choose to live makes a big difference in Nissan Xterra insurance rates. A 40-year-old driver could pay as low as $590 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,100 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $140 a year, while increasing your policy's liability limits will push prices upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to find out who has the cheapest auto insurance prices is to compare prices and see how they stack up. Every company uses a different method to calculate prices, so the prices will be substantially different.

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 better rates on auto insurance not only requires being a good driver, but also having above-average credit, being claim-free, and maximizing policy discounts. Compare prices at least once a year by obtaining price quotes from direct companies, and also from local insurance agencies.

The following list is a summary of the primary concepts that were touched on in this article.

• You may be able to save around $80 per year simply by shopping early and online
• Drivers who have multiple accidents or major violations may have to pay on average $920 more per year than a safer driver
• Increasing policy deductibles can save approximately $125 each year
• Drivers age 16 to 20 are expensive to insure, possibly costing $283 per month if full coverage is included