Nissan Xterra Insurance Rates

The average auto insurance rates for a Nissan Xterra are $808 annually including full coverage. Comprehensive costs an estimated $110, collision costs $98, and liability is estimated at $442. Liability-only insurance costs approximately $496 a year, with high-risk driver insurance costing around $1,730. 16-year-old drivers 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:

These estimates include $500 policy deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and for different Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than congested cities.

The price range example below illustrates how where you live affects insurance prices.

The examples above highlight why anyone shopping for car insurance should get quotes for a targeted area and their own personal driving habits, instead of making a decision based on rate averages.

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 full coverage rate is $511
• Choosing higher $1,000 deductibles can save approximately $46 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $808
• Buying more expensive low deductibles for comp and collision coverage will cost $896
• Higher-risk drivers with multiple tickets or accidents could pay up to $1,730 or more
• Policy cost with full coverage for a 16-year-old driver with full coverage can cost as much as $3,396 each year

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Auto insurance rates for a Nissan Xterra also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

An older driver with a good driving record and high physical damage deductibles may pay as low as $800 annually on average, or $67 per month, for full coverage. Rates are highest for teenagers, 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 points on your driving record or you caused a few accidents, you are likely paying $1,000 to $1,400 in extra premium every year, depending on your age. High-risk driver insurance ranges from 41% to 137% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $140 annually, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Nissan Xterra insurance prices. A good driver about age 40 could pay as low as $620 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,160 on average in Louisiana, New York, and Michigan.

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Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to compare rates from multiple companies. Each auto insurer utilizes a different rate formula, and quoted rates will be varied 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 Cheap Nissan Xterra Insurance

Finding cheaper rates on insurance for a Nissan Xterra takes being safe and accident-free, having above-average credit, paying for small claims out-of-pocket, and qualifying for all possible discounts. Take the time to comparison shop at every other renewal by requesting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below you'll find a brief summary of the concepts that were touched on in the above illustrations.

• Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $920 more annually than a low-risk driver
• Youthful drivers are the costliest to insure, with premiums being up to $283 each month if full coverage is included
• You may be able to save approximately $80 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save up to $125 each year
• You may be able to save approximately $80 per year simply by shopping early and online