Nissan Xterra Insurance Rates

U.S. average insurance prices for a Nissan Xterra are $808 every 12 months for full coverage. Comprehensive costs on average $110 a year, collision costs $98, and liability costs around $442. A policy with just liability insurance costs as low as $496 a year, with coverage for high-risk drivers costing around $1,730. Teenage drivers pay the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Price estimates by individual coverage:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and Xterra trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on car insurance rates. Rural areas have more infrequent accident claims than densely populated cities.

The diagram below illustrates how where you live affects car insurance rates.

The ranges above show why it is important to compare prices based on a specific location and their own driving history, instead of using average rates.

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

Additional Rate Details

The chart below shows estimated Nissan Xterra insurance rates for different risk profiles and scenarios.

• The best discount rate is $511
• Using higher $1,000 deductibles will save around $762 a year
• The average price for the average middle-age driver with $500 deductibles is $808
• Using low $100 deductibles for physical damage coverage increases the price to $896
• Drivers who are prone to accidents and violations could pay upwards of $1,730 or more
• The price to insure a teen driver may cost $3,396 or more

View Chart as Image

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

Using high physical damage deductibles could cut prices by as much as $140 every year, while buying higher liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

Older drivers with a clean driving record and higher deductibles may pay as little as $800 a year for full coverage. Prices are much higher for teenage drivers, since even excellent drivers can expect to pay upwards of $3,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying at a minimum $1,000 to $1,400 extra each year, depending on your age. A high-risk auto insurance policy can be as much as 41% to 137% more than a normal policy. View High Risk Driver Rates

The state you live in has a huge impact on Nissan Xterra insurance prices. A driver around age 40 might see prices 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

Since prices can be so different, the only way to know exactly what you will pay is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, so the prices may be quite 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 Shop for Affordable Nissan Xterra Insurance

Getting lower rates on car insurance requires being safe and accident-free, having good credit, eliminating unnecessary coverage, and bundling your home and auto policies. Take the time to comparison shop every time your policy renews by getting price quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

Below you'll find a brief review of the information touched on in the above illustrations.

• Drivers can save as much as $80 per year simply by quoting early and online
• Youthful drivers pay the highest prices, with premiums as much as $283 a month if they have full coverage
• Increasing physical damage deductibles could save as much as $125 each year
• Higher risk drivers with DUI or reckless driving convictions pay an average of $920 more each year than a low-risk driver
• Policyholders who require more liability protection will pay an extra $490 each year to increase from a low limit to a 250/500 level