Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year including full coverage. Comprehensive costs an estimated $110, collision insurance costs $98, and liability coverage costs $442. A liability-only policy costs as little as $496 a year, and high-risk insurance costs around $1,730. 16-year-old 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:

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 U.S. states and for different Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on the price of auto insurance. More rural locations are shown to have lower incidents of comprehensive and collision claims than congested cities. The price range example below illustrates the effect of geographic area on insurance prices.

The examples above highlight why anyone shopping for car insurance should compare rates for a targeted area, rather than using rate averages.

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

Rates by State, City, and Model

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

• The best full coverage rate is $511
• Drivers who choose higher $1,000 deductibles will pay approximately $46 every year
• The estimated price for a good driver age 40 who has $500 deductibles is $808
• Buying more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $896
• High-risk insureds with multiple tickets or accidents could pay up to $1,730
• Policy cost that insures a teenage driver with full coverage can cost as much as $3,396 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying $1,000 to $1,400 extra every year, depending on your age. High-risk driver insurance can cost around 41% to 137% more than the average rate. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may only pay around $800 per year on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged at least $3,300 a year. View Rates by Age

Your home state 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 Vermont, New Hampshire, and Missouri, or at least $1,160 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could save up to $140 a year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

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 Affordable Nissan Xterra Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and claims, but also having a positive credit history, paying for small claims out-of-pocket, and possibly higher deductibles. Comparison shop at least once a year by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The points below are a brief review of the primary concepts that were covered in the above illustrations.

• You may be able to save approximately $80 per year just by shopping early and online
• Drivers with DUI or reckless driving convictions could be charged and average of $920 more annually to insure a Nissan Xterra
• Increasing comprehensive and collision deductibles can save approximately $125 each year
• Drivers under the age of 20 have the highest car insurance rates, with premiums being up to $283 each month if full coverage is purchased