Nissan Xterra Insurance Rates

Estimated insurance rates for a Nissan Xterra are $808 a year including full coverage. Comprehensive insurance costs an estimated $110 a year, collision costs $98, and liability coverage is estimated at $442. A liability-only policy costs approximately $496 a year, with high-risk insurance costing $1,730 or more. 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:

Rates are based on $500 policy deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Xterra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a large influence on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how your location can change insurance prices.

These rate differences highlight why it is important to get quotes for a targeted area, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $511
• Choosing higher $1,000 deductibles can save approximately $762 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $808
• Using low $100 deductibles for comp and collision coverage will cost an additional $88 each year
• Drivers who are prone to accidents and violations could pay up to $1,730 or more
• An auto insurance policy that insures a teenage driver can cost as much as $3,396 each year

View Chart as Image

Auto insurance prices for a Nissan Xterra also have a wide range based on the trim level of your Xterra, your driving record and age, and liability limits and deductibles.

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

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $800 annually on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will have to pay at least $3,300 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Nissan Xterra insurance rates. A good driver about age 40 could pay 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.

View Chart as Image

Using high physical damage deductibles can save as much as $140 a year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

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

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 Cheap Nissan Xterra Insurance

Finding better rates on auto insurance takes being a good driver, maintaining a good credit score, refrain from filing small claims, and qualifying for all possible discounts. Compare prices at every other renewal by getting quotes from direct car insurance companies, and also from your local car insurance providers.

The following list is a quick review of the concepts that were illustrated above.

• Drivers with a DUI or reckless driving violation could be charged and average of $920 more annually than a safer driver
• Drivers age 16 to 20 are the costliest to insure, with the cost nearing $283 per month if the policy includes full coverage
• You may be able to save approximately $80 per year simply by quoting early and online
• Increasing policy deductibles can save approximately $125 each year
• You may be able to save approximately $80 per year simply by quoting early and online