Nissan Xterra Insurance Rates

U.S. average insurance rates for a Nissan Xterra are $808 a year for full coverage. Comprehensive insurance costs around $110, collision costs $98, and liability coverage is estimated at $442. A policy with just liability insurance costs approximately $496 a year, with coverage for high-risk drivers costing $1,730 or more. Teenage drivers pay the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Price estimates for individual coverage:

Rate estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and for all Xterra models.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on auto insurance rates. Areas with sparse population have a lower frequency of accident claims than densely populated cities.

The example below illustrates how your location can change auto insurance rates.

The ranges above show why everyone should get quotes for a specific zip code and risk profile, rather than using 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 additional coverage choices and driver risks.

• The best discount rate is $511
• Choosing higher $1,000 deductibles can save about $46 a year
• The average rate for the average middle-age driver using $500 deductibles is $808
• Using pricier low deductibles for comp and collision coverage will cost an extra $88 each year
• Drivers who are prone to accidents and violations could pay at least $1,730 or more
• The price for full coverage for a teenage driver for full coverage can be $3,396 each year

View Chart as Image

Insurance prices for a Nissan Xterra are also quite variable based on your driving record, the trim level of your Xterra, and deductibles and policy limits.

A more mature driver with a clean driving record and high deductibles may only pay around $800 annually on average for full coverage. Prices are much higher for teenage drivers, where even good drivers can expect to pay as much as $3,300 a year. View Rates by Age

The state you live in plays a big part in determining prices for Nissan Xterra insurance rates. A good driver about age 40 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

Using high physical damage deductibles can save as much as $140 a year, whereas buying more liability protection will increase prices. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at least $1,000 to $1,400 extra each year, depending on your age. Nissan Xterra insurance for high-risk drivers ranges around 41% to 137% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to know your exact price is to regularly compare prices and see how they stack up. Each auto insurer uses a different method to calculate prices, so the prices may be quite different 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 the Best Nissan Xterra Insurance

Getting lower rates on auto insurance takes avoiding accidents and violations, maintaining good credit, eliminating unnecessary coverage, and insuring your home and auto with the same company. Invest the time to shop around every couple of years by getting quotes from direct carriers like Progressive and GEICO, and also from local insurance agents.

The list below is a brief recap of the material that was illustrated above.

• Consumers who may need higher liability limits will pay an extra $490 each year to raise limits from a low limit to 250/500 limits
• Teenagers pay higher prices, with premiums as much as $283 a month for full coverage
• Drivers who tend to receive serious violations may be required to pay an average of $920 more every year for car insurance
• Increasing physical damage deductibles can save around $125 each year