Nissan Xterra Insurance Rates

The average insurance prices for a Nissan Xterra are $808 every 12 months for full coverage. Comprehensive insurance costs around $110 each year, collision costs $98, and liability coverage costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing $1,730 or more. Teenage drivers cost the most to insure at $3,396 a year or more.

Average premium for full coverage: $808

Policy rates for type of insurance:

Prices include $500 policy deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on auto insurance rates. Areas with sparse population are shown to have more infrequent accident claims than densely populated cities.

The graphic below illustrates how location impacts auto insurance rates.

The examples above show why all drivers should compare rates for a specific zip code and their own driving history, rather than using average rates.

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

Rate Comparisons

The chart below shows estimated Nissan Xterra insurance rates for additional coverage choices and driver risks.

• The best discount rate is $511
• Drivers who choose higher $1,000 deductibles will pay about $46 a year
• The average price for a good driver age 40 using $500 deductibles is $808
• Using low deductibles for comprehensive and collision insurance costs an extra $88 each year
• High-risk insureds who are prone to accidents and violations could pay at least $1,730 or more
• Policy cost to insure a teenage driver can be $3,396 a year

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

Using high physical damage deductibles could save up to $140 a year, whereas increasing liability limits will increase rates. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles may only pay around $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers can expect to pay as much as $3,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying at least $1,000 to $1,400 extra every year, depending on your age. Insurance for high-risk drivers can cost around 41% to 137% more than a normal policy. View High Risk Driver Rates

Your home state makes a big difference in Nissan Xterra insurance rates. A 40-year-old driver could pay 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

Because rates have so much variability, the only way to know your exact price is to do a rate comparison and see how they stack up. Every company uses a different method to calculate rates, so the rates will be varied.

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 the Right Nissan Xterra Insurance

Finding cheaper rates on auto insurance not only requires being safe and accident-free, but also having good credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Spend time shopping around once a year by quoting rates from direct carriers, and also from local exclusive and independent agents.

Below you'll find a quick rundown of the data that was touched on above.

• Drivers can save up to $80 per year simply by quoting online in advance
• Consumers who may need more liability protection will pay an extra $490 each year to go from a 30/60 limit to a 250/500 level
• Youthful drivers pay higher rates, costing up to $283 each month if they have full coverage
• Drivers with reckless driving or DUI convictions may pay on average $920 more every year than a low-risk driver