Nissan Xterra Insurance Rates

The average auto insurance rates for a Nissan Xterra are $808 annually including full coverage. Comprehensive insurance costs on average $110 a year, collision costs $98, and liability costs around $442. A liability-only policy costs as low as $496 a year, with high-risk insurance costing $1,730 or more. 16-year-old drivers cost the most to insure at $3,396 a year or more.

Average premium for full coverage: $808

Policy rates by type of insurance:

Prices include $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than congested cities.

The diagram below illustrates how rural and urban location affects car insurance rates.

The examples above highlight why it is important to compare prices based on a specific location and their own personal driving habits, instead of making a decision based on rate averages.

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

Additional Charts and Tables

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

• The best full coverage rate is $511
• Using higher $1,000 deductibles will save around $762 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $808
• Buying low $100 deductibles for physical damage coverage costs an additional $88 annually
• High-risk insureds with multiple tickets or accidents could pay upwards of $1,730 or more
• Policy cost with full coverage for a 16-year-old driver may cost $3,396 or more

View Chart as Image

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

Older drivers with no driving violations and high physical damage deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards 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 are likely paying at a minimum $1,000 to $1,400 extra every year, depending on your age. A high-risk auto insurance policy can be from 41% to 137% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $140 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Nissan Xterra insurance prices. A driver around age 40 might see rates as low as $620 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,160 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, so rate quotes will be varied between companies.

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 Right Nissan Xterra Insurance

Finding cheaper rates on insurance for a Nissan Xterra requires avoiding accidents and claims, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to shop around every other policy renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a quick rundown of the ideas that were raised in the charts and tables above.

• Drivers under the age of 20 are expensive to insure, with premiums being up to $283 each month if comprehensive and collision insurance is included
• Drivers considered higher risk with reckless driving or DUI convictions pay on average $920 more each year to insure a Nissan Xterra
• Increasing comprehensive and collision deductibles could save up to $125 each year
• You may be able to save as much as $80 per year simply by quoting early and online