Nissan Xterra Insurance Rates

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

Average premium for full coverage: $808

Premium estimates broken down by type of coverage:

Price estimates include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and for different Xterra trim levels.

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. More rural locations are statistically proven to have fewer comprehensive and collision claims than densely populated cities.

The price range example below illustrates how location helps determine insurance prices.

These rate differences highlight why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, rather than using average rates.

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

Additional Rate Information

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

• The best discount rate is $511
• Using higher $1,000 deductibles will save approximately $46 every year
• The estimated rate for a 40-year-old good driver who has $500 deductibles is $808
• Using more expensive low deductibles for physical damage coverage will cost $896
• Higher-risk drivers who are prone to accidents and violations could pay up to $1,730 or more
• An auto insurance policy with full coverage for a teenage driver with full coverage can cost as much as $3,396 or more

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Auto insurance prices for a Nissan Xterra also have a wide range based on the model of your Xterra, your driving characteristics, and liability limits and deductibles.

An older driver with a good driving record and high physical damage 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 without any violations or accidents they will have to pay at least $3,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you are likely paying $1,000 to $1,400 in extra premium annually, depending on your age. High-risk driver insurance can be around 41% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $140 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

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 $620 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,160 on average in Louisiana, New York, and Michigan.

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With such a large range in prices, the best way to figure out which insurance company is cheapest is to compare prices and see how they stack up. Each insurance company uses a different method to calculate prices, and quoted prices will be substantially different between companies.

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 Buy Cheaper Nissan Xterra Insurance

Finding better rates on auto insurance requires being a safe and courteous driver, having above-average credit, refrain from filing small claims, and qualifying for all possible discounts. Invest time comparing rates at every other renewal by requesting quotes from direct car insurance companies, and also from insurance agencies where you live.

Below is a condensed summary of the concepts that were covered in the charts and tables above.

• Drivers with multiple at-fault accidents could be forced to pay on average $920 more annually for auto insurance
• Teenage drivers are the costliest to insure, with the cost nearing $283 per month if full coverage is included
• You may be able to save approximately $80 per year simply by shopping early and online
• Increasing policy deductibles could save up to $125 each year
• You may be able to save approximately $80 per year simply by shopping early and online