Nissan Xterra Insurance Rates

Average insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive costs approximately $110 each year, collision insurance costs $98, and liability is $442. A policy with just liability insurance costs around $496 a year, and coverage for high-risk drivers costs around $1,730. 16-year-old drivers receive the highest rates at up to $3,396 a year.

Average premium for full coverage: $808

Rate estimates by individual coverage type:

These estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and Xterra models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations tend to have lower incidents of physical damage claims than congested cities. The graphic below illustrates how geographic area affects auto insurance prices.

These examples illustrate why all drivers should compare rates quotes using their specific location, instead of using rate averages.

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

More Rate Details

The chart below illustrates average Nissan Xterra insurance rates for additional coverage and risk scenarios.

• The best full coverage rate is $511
• Raising to $1,000 deductibles will save $46 each year
• The estimated price for a 40-year-old driver who chooses $500 deductibles is $808
• Buying low deductibles bumps up the cost to $896
• At-risk drivers with multiple tickets or accidents could pay around $1,730
• The cost that insures a teen driver can cost $3,396

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Insurance rates for a Nissan Xterra can also vary considerably based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you like to drive fast or you caused an accident, you are probably paying anywhere from $1,000 to $1,400 additional per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 41% to 137% more than the average rate. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $800 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records should be prepared to pay in the ballpark of $3,300 a year. View Rates by Age

Where you live also has a big influence on Nissan Xterra insurance prices. A middle-age driver might find rates as low as $530 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,100 on average in Florida, New York, and Michigan.

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Opting for high physical damage deductibles can reduce rates by up to $140 every year, whereas increasing liability limits will push rates upward. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

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 Cheap Nissan Xterra Insurance

Saving money on car insurance consists of avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Comparison shop every time your policy renews by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

The list below is a brief summary of the information presented in the illustrations above.

• It is possible to save around $80 per year just by quoting online in advance
• Teenagers are the costliest to insure, costing up to $283 per month if comprehensive and collision insurance is included
• Increasing deductibles can save approximately $125 each year
• Higher risk drivers that tend to have accidents or serious violations could be charged and average of $920 more per year for car insurance
• Policyholders who purchase higher liability limits will pay around $490 annually to raise from a minimum limit to the 250/500 level