Nissan Xterra Insurance Rates

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

Average premium for full coverage: $808

Price estimates by individual coverage:

Rate estimates include $500 deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Xterra trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a significant impact on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how location impacts car insurance rates.

The ranges above highlight why it is important to compare rates based on a specific location, rather than relying on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $511
• Drivers who choose higher $1,000 deductibles will pay around $762 every year
• The estimated price for the average middle-age driver with $500 deductibles is $808
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an additional $88 a year
• High risk drivers with serious driving violations could pay upwards of $1,730 or more
• The price that insures a teen driver may cost $3,396 a year

View Chart as Image

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

If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,000 to $1,400 extra each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 41% to 137% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $800 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $3,300 a year. View Rates by Age

The state you live in makes a big difference in Nissan Xterra insurance rates. A 40-year-old driver could pay as low as $620 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,160 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $140 each year, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out exactly what you will pay is to get quotes from as many companies as possible. Every company calculates prices differently, 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 Find the Best Nissan Xterra Insurance

Getting lower rates on Nissan Xterra insurance not only requires not taking risks behind the wheel, but also having above-average credit, being claim-free, and bundling your home and auto policies. Compare rates every year by getting price quotes from direct car insurance companies, and also from insurance agencies where you live.

The following is a brief recap of the coverage data touched on above.

• You may be able to save as much as $80 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $125 each year
• Teens pay the highest prices, possibly costing $283 a month if full coverage is included
• High-risk drivers who tend to receive serious violations could be forced to pay on average $920 more each year for Xterra insurance