Nissan Xterra Insurance Rates

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

Average premium for full coverage: $808

Policy rates by type of insurance:

Includes $500 deductibles, minimum liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all U.S. states and Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of insurance. Rural locations are shown to have fewer collision claims than larger metro areas. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above demonstrate why all drivers should get quotes using their specific location and their own personal driving habits, instead of using price averages.

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

Additional Rate Analysis

The chart below details average Nissan Xterra insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $511
• Choosing higher $1,000 deductibles can save $46 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $808
• Choosing low deductibles for comp and collision coverage costs an additional $88 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay around $1,730
• Policy cost with full coverage for a teen driver can cost $3,396 each year

View Chart as Image

Insurance rates for a Nissan Xterra also range considerably based on the model year and trim level, your driving record, and physical damage deductibles and liability limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they should be prepared to pay in the ballpark of $3,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out anywhere from $1,000 to $1,400 additional every year, depending on your age. Insurance for high-risk drivers ranges as much as 41% to 137% more than average. View High Risk Driver Rates

Choosing high deductibles can save as much as $140 every year, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

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 $590 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,100 on average in New York, Michigan, and Florida.

View Chart as Image

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 Buy the Cheapest Nissan Xterra Insurance

Finding cheaper rates on car insurance takes not taking risks behind the wheel, having good credit, not filing small claims, and consideration of higher deductibles. Set aside time to compare rates every couple of years by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following is a recap of the material that was covered above.

• Policyholders who purchase higher liability limits will pay about $490 every year to raise limits from a 30/60 limit to higher 250/500 limits
• Teens are the costliest to insure, as much as $283 each month if they have full coverage
• Higher risk drivers that have major violations or accidents may pay on average $920 more per year for Xterra insurance
• Increasing comprehensive and collision deductibles could save up to $125 each year