Nissan Xterra Insurance Rates

Average insurance rates for a Nissan Xterra are $808 a year with full coverage. Comprehensive insurance costs on average $110, collision costs $98, and liability coverage costs $442. A policy with just liability insurance costs as little as $496 a year, with coverage for high-risk drivers costing $1,730 or more. Teen drivers receive the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Rate estimates by individual coverage type:

Prices are based on $500 comprehensive and collision deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for different Xterra trim levels.

Price Range by Coverage and Risk

Price Range by Location

Your location has a large influence on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than larger metro areas.

The price range example below illustrates how location helps determine car insurance rates.

These examples demonstrate why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than using price averages.

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

Detailed Rate Analysis

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

• The lowest rate with discounts is $511
• Drivers who choose higher $1,000 deductibles will pay around $46 annually
• The average rate for a 40-year-old driver with $500 deductibles is $808
• Choosing more expensive low deductibles for comprehensive and collision insurance will cost an extra $88 each year
• High-risk insureds with multiple violations and an at-fault accident could pay upwards of $1,730 or more
• The cost for full coverage for a teenage driver with full coverage may cost $3,396 a year

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

An older driver with no violations or accidents and high deductibles may only pay around $800 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers should be prepared to pay upwards of $3,300 a year. View Rates by Age

Where you live makes a big difference in Nissan Xterra insurance rates. A 40-year-old driver could pay as low as $590 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,100 on average in Florida, Michigan, and New York.

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Choosing high deductibles could save up to $140 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,000 to $1,400 additional per year, depending on your age. High-risk driver insurance can cost around 41% to 137% more than average. View High Risk Driver Rates

With so much variability in rates, the best way to find out exactly what you will pay is to compare rates and see how they stack up. Every company uses a different rate calculation, and rates can be significantly different 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

Saving money on auto insurance not only requires having a decent driving record, but also having a good credit history, eliminating unnecessary coverage, and insuring your home and auto with the same company. Invest time comparing rates every couple of years by requesting rates from direct companies like GEICO and Progressive, and also from local insurance agents.

The following items are a brief review of the material that was covered in the charts and tables above.

• Consumers who require additional liability coverage will pay about $490 every year to go from a minimum limit to 250/500 limits
• 16 to 18-year-old drivers pay higher rates, with premiums as much as $283 per month including comprehensive and collision insurance
• Drivers with DUI or reckless driving convictions may be required to pay an average of $920 more each year than a driver with a clean driving record
• Increasing deductibles can save around $125 each year