Nissan Xterra Insurance Rates

U.S. average insurance prices for a Nissan Xterra are $808 every 12 months for full coverage. Comprehensive insurance costs an estimated $110 a year, collision insurance costs $98, and liability is $442. Buying just liability costs around $496 a year, and insurance for high-risk drivers costs $1,730 or more. Teenage drivers pay the highest rates at up to $3,396 a year.

Average premium for full coverage: $808

Price estimates broken down by individual coverage:

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

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on insurance rates. More rural locations have more infrequent accident claims than densely populated cities. The diagram below illustrates how location helps determine insurance prices.

The ranges above show why it is important to compare rates quotes for a targeted area and their own driving history, instead of using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $511
• Raising to $1,000 deductibles will save approximately $762 a year
• The average price for the average middle-age driver who has $500 deductibles is $808
• Using low $100 deductibles costs an extra $88 every year
• At-risk drivers who are prone to accidents and violations could pay up to $1,730
• The price to insure a teen driver can cost as much as $3,396

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Insurance prices for a Nissan Xterra are also quite variable based on deductibles and policy limits, your driver profile, and the model year and trim level.

Using high physical damage deductibles can reduce prices by up to $140 every year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as little as $800 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay at least $3,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying $1,000 to $1,400 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 41% to 137% more than a normal policy. View High Risk Driver Rates

The state you live in also has a big influence on Nissan Xterra insurance prices. A middle-age driver might find prices as low as $530 a year in states like Iowa, Maine, and Idaho, or be forced to pay as much as $1,160 on average in New York, Louisiana, and Michigan.

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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 Cheapest Nissan Xterra Insurance

Getting lower rates on car insurance consists of being a good driver, having above-average credit, eliminating unnecessary coverage, and possibly raising deductibles. Invest time comparing rates every other policy renewal by requesting rates from direct carriers like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following list is a recap of the ideas that were covered in the charts and tables above.

• Drivers age 16 to 20 are expensive to insure, with premiums as much as $283 a month if full coverage is included
• Higher risk drivers that have major violations or accidents pay on average $920 more annually than a safer driver
• Increasing physical damage deductibles could save as much as $125 each year
• Drivers can save approximately $80 per year just by quoting early and online