Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year with full coverage. Comprehensive insurance costs approximately $110, collision costs $98, and liability costs around $442. Buying just liability costs as low as $496 a year, with insurance for high-risk drivers costing $1,730 or more. Teens 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 are based on $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all U.S. states and for all Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion.

The example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above demonstrate why everyone should compare prices using their specific location and risk profile, instead of making a decision based on averaged prices.

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

Detailed Rate Analysis

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

• The cheapest rate after discounts is $511
• Using higher $1,000 deductibles will save $46 annually
• The average rate for a good driver age 40 who chooses $500 deductibles is $808
• Selecting pricier low deductibles for physical damage coverage will cost an extra $88 annually
• High-risk insureds with serious driving violations could pay around $1,730 or more
• Policy cost for full coverage for a 16-year-old driver for full coverage can cost $3,396 or more

View Chart as Image

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

A more mature driver with a clean driving record and high deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect to pay in the ballpark of $3,300 a year. View Rates by Age

Your home state has a huge impact on Nissan Xterra insurance prices. A driver around age 40 might see rates as low as $590 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,100 on average in New York, Michigan, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $140 annually, whereas buying more liability protection will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,000 to $1,400 extra every year, depending on your age. Nissan Xterra insurance for high-risk drivers can be from 41% to 137% more than the average policy. View High Risk Driver Rates

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates from multiple companies. Each insurance company calculates rates differently, so the rates will be varied from one company to the next.

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 insurance for a Nissan Xterra requires avoiding accidents and violations, maintaining good credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates every time your policy renews by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The list below is a brief review of the information covered above.

• You may be able to save around $80 per year simply by quoting online well ahead of the renewal date
• Teenagers are expensive to insure, as much as $283 each month for full coverage
• Increasing comprehensive and collision deductibles can save around $125 each year
• Drivers considered higher risk with DUI or reckless driving convictions pay on average $920 more per year for car insurance
• Insureds who purchase higher liability limits will pay approximately $490 every year to increase from a 30/60 limit to 250/500 limits