Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive costs an estimated $110, collision insurance costs $98, and liability is estimated at $442. Liability-only insurance costs approximately $496 a year, and high-risk driver insurance costs around $1,730. Teen drivers cost the most to insure at up to $3,396 a year.

Average premium for full coverage: $808

Policy rates broken down by type of insurance:

These estimates include $500 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for all Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than larger metro areas. The example below illustrates the difference between rural and urban areas on insurance prices.

The examples above illustrate why everyone should get quotes for a targeted area and risk profile, instead of using price averages.

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

Detailed Rate Analysis

The chart below illustrates average Nissan Xterra insurance rates for other coverage scenarios.

• The lowest rate with discounts is $511
• Choosing higher $1,000 deductibles can save approximately $46 each year
• The average rate for a good driver age 40 who has $500 deductibles is $808
• Choosing pricier low deductibles for comp and collision coverage will increase the cost to $896
• Unlucky drivers with multiple violations and an at-fault accident could pay up to $1,730
• Policy cost for full coverage for a teen driver for full coverage can cost as much as $3,396 each year

View Chart as Image

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

A more mature driver with a good driving record and high deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay at least $3,300 a year. View Rates by Age

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 $530 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,100 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $140 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,000 to $1,400 in extra premium every year, depending on your age. Nissan Xterra insurance for high-risk drivers ranges as much as 41% to 137% more than average. View High Risk Driver Rates

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

Finding cheaper rates on car insurance takes being safe and accident-free, having good credit, being claim-free, and consideration of higher deductibles. Set aside time to compare rates every year by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below you'll find a brief summary of the coverage data covered above.

• It is possible to save approximately $80 per year just by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save around $125 each year
• Youthful drivers are the costliest to insure, possibly costing $283 each month if they have full coverage
• Higher risk drivers that tend to have accidents or serious violations pay on average $920 more annually than a low-risk driver