Nissan Xterra Insurance Rates

The average insurance prices for a Nissan Xterra are $808 every 12 months for full coverage. Comprehensive insurance costs on average $110 each year, collision costs $98, and liability costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing $1,730 or more. Teenage drivers cost the most to insure at $3,396 a year or more.

Average premium for full coverage: $808

Policy rates by type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural areas are shown to have more infrequent accident claims than densely populated cities.

The graphic below illustrates how geographic area affects car insurance rates.

The examples above show why all drivers should compare rates based on a specific location and their own driving history, instead of making a decision based on average rates.

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

More Rate Information

The chart below shows estimated Nissan Xterra insurance rates for different risk profiles and scenarios.

• The best discount rate is $511
• Drivers who choose higher $1,000 deductibles will pay around $46 a year
• The average price for a good driver age 40 with $500 deductibles is $808
• Using low deductibles for comprehensive and collision insurance costs an extra $88 annually
• Drivers who are prone to accidents and violations could pay upwards of $1,730 or more
• Policy cost to insure a 16-year-old driver may cost $3,396 a year

View Chart as Image

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

Using high physical damage deductibles could save up to $140 annually, whereas increasing liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may pay as low as $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay upwards of $3,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at a minimum $1,000 to $1,400 extra every year, depending on your age. Insurance for high-risk drivers can cost from 41% to 137% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Nissan Xterra insurance prices. A 40-year-old driver could pay as low as $530 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,160 on average in Michigan, Louisiana, and New York.

View Chart as Image

Because rates have so much variability, the only way to know exactly what you will pay is to do a rate comparison from multiple companies. Every company uses a different method to calculate rates, so the rates will be varied.

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 Shop for More Affordable Nissan Xterra Insurance

Finding cheaper rates on insurance for a Nissan Xterra not only requires having a decent driving record, but also having good credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Invest the time to compare rates every year by getting rate quotes from direct carriers, and also from local independent and exclusive agents.

The following items are a summary of the coverage data presented in the illustrations above.

• Drivers can save as much as $80 per year simply by quoting online in advance
• Increasing comprehensive and collision deductibles could save as much as $125 each year
• 16 to 18-year-old drivers pay the highest rates, costing up to $283 each month if they have full coverage
• Drivers considered higher risk who have multiple accidents or major violations pay an average of $920 more each year than a driver with a clean driving record