Nissan Xterra Insurance Rates

Estimated insurance prices for a Nissan Xterra are $808 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $110 each year, collision costs $98, and liability coverage costs around $442. Liability-only insurance costs as low as $496 a year, with high-risk driver insurance costing $1,730 or more. Teenage drivers pay the most at $3,396 a year or more.

Average premium for full coverage: $808

Premium estimates broken down by type of coverage:

Prices include $500 physical damage deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and Xterra models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on the price of insurance. More rural locations are statistically proven to have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates the difference location can make on insurance prices.

These rate differences illustrate why all drivers should compare prices for a targeted area and their own driving history, rather than using average rates.

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

Additional Rate Information

The chart below illustrates estimated Nissan Xterra insurance rates for other coverage scenarios.

• The best discount rate is $511
• Using higher $1,000 deductibles will save approximately $46 each year
• The average price for a 40-year-old good driver who has $500 deductibles is $808
• Using low deductibles for physical damage coverage costs an extra $88 each year
• Higher-risk drivers who are prone to accidents and violations could pay up to $1,730 or more
• An auto insurance policy to insure a teenage driver can cost as much as $3,396 or more

View Chart as Image

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

Using high physical damage deductibles could cut prices by as much as $140 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

More mature drivers with no violations or accidents and higher deductibles may only pay around $800 a year, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared to pay at least $3,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying $1,000 to $1,400 additional annually, depending on your age. Insurance for high-risk drivers can be around 41% to 137% more than a normal policy. View High Risk Driver Rates

Where you choose to live has a huge impact on Nissan Xterra insurance rates. A driver around age 40 might see prices as low as $530 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,100 on average in Florida, New York, and Michigan.

View Chart as Image

With such a large range in prices, the only way to figure out which insurance company is cheapest is to do a rate comparison and see how they stack up. Each insurance company uses a different method to calculate prices, and prices will be substantially 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 Shop for the Right Nissan Xterra Insurance

Finding better rates on auto insurance requires being a safe and courteous driver, having above-average credit, paying for small claims out-of-pocket, and maximizing policy discounts. Make time to compare rates at every other renewal by getting quotes from direct insurance companies, and also from insurance agencies where you live.

Below is a quick rundown of the concepts that were touched on in this article.

• Drivers with reckless driving or DUI convictions could be forced to pay on average $920 more annually for auto insurance
• Teenage drivers are expensive to insure, with premiums being up to $283 per month if full coverage is included
• It is possible to save approximately $80 per year simply by quoting online in advance
• Increasing policy deductibles could save as much as $125 each year
• It is possible to save approximately $80 per year simply by quoting online in advance