Nissan Xterra Insurance Rates

U.S. average insurance rates for a Nissan Xterra are $808 a year including full coverage. Comprehensive insurance costs on average $110 a year, 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 pay the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Price estimates by individual coverage:

Rates are based on $500 physical damage insurance deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all 50 U.S. states and Xterra trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can make a big difference on car insurance rates. Rural areas have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how your location can change car insurance rates.

The ranges above highlight why it is important to compare prices based on a specific location, instead of making a decision based on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $511
• Using higher $1,000 deductibles will save around $762 every year
• The estimated price for the average middle-age driver with $500 deductibles is $808
• Selecting low $100 deductibles for physical damage coverage will cost an additional $88 annually
• High-risk insureds with serious driving violations could pay upwards of $1,730 or more
• The price that insures a 16-year-old driver may cost $3,396 or more

View Chart as Image

Insurance prices for a Nissan Xterra are also quite variable based on the trim level of your Xterra, your driving record and age, and policy deductibles and limits.

If you have some driving violations or you caused an accident, you are likely paying at a minimum $1,000 to $1,400 additional each year, depending on your age. A high-risk auto insurance policy can be from 41% to 137% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as low as $800 a year for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay upwards of $3,300 a year. View Rates by Age

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

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $140 annually, while buying higher liability limits will cost you more. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out exactly what you will pay is to get quotes from multiple companies. Each insurance company calculates prices differently, and prices may be quite different.

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 the Best Cheap Nissan Xterra Insurance

Getting lower rates on insurance for a Nissan Xterra requires being a low-risk driver, having a good credit score, being claim-free, and insuring your home and auto with the same company. Compare rates at least once a year by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

The items below are a quick review of the primary concepts that were illustrated above.

• You may be able to save as much as $80 per year simply by quoting early and online
• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $920 more each year to insure their Xterra
• Increasing physical damage deductibles can save approximately $125 each year
• Teen drivers pay higher prices, possibly costing $283 a month if comprehensive and collision insurance is included