Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive costs an estimated $110 each year, collision costs $98, and liability costs around $442. A liability-only policy costs as low as $496 a year, with high-risk insurance costing around $1,730. Teens 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 are based on $500 physical damage deductibles, 30/60 liability coverage, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than cities with more traffic congestion.

The graphic below illustrates how your location can change insurance prices.

The examples above illustrate why all drivers should compare prices for a targeted area and risk profile, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $511
• Using higher $1,000 deductibles will save approximately $46 each year
• The average rate for a good driver age 40 who has $500 deductibles is $808
• Selecting low deductibles for physical damage coverage will increase the cost to $896
• High-risk insureds with serious driving violations 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 or more

View Chart as Image

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

More mature drivers with no driving violations and high deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged at least $3,300 a year. View Rates by Age

Your home state has a huge impact on Nissan Xterra insurance prices. A driver around age 40 might see rates as low as $530 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,100 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $140 annually, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,000 to $1,400 extra every year, depending on your age. Insurance for high-risk drivers can be from 41% to 137% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison from multiple companies. Each insurance company calculates rates differently, so rate quotes 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 Affordable Nissan Xterra Insurance

Finding cheaper rates on insurance for a Nissan Xterra requires being a safe and courteous driver, having above-average credit, being claim-free, and not having any coverage lapses. Invest the time to shop around every year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a brief review of the coverage data illustrated above.

• It is possible to save approximately $80 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles can save around $125 each year
• Teenage drivers have the highest car insurance rates, possibly costing $283 each month if full coverage is included
• Drivers considered higher risk with DUI or reckless driving convictions pay on average $920 more annually for auto insurance