Nissan Xterra Insurance Rates

Average insurance prices for a Nissan Xterra are $808 every 12 months for full coverage insurance. Comprehensive costs on average $110 a year, collision costs $98, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing around $1,730. 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:

These estimates include $500 comprehensive and collision deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Xterra trim levels.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on insurance rates. Rural areas tend to have more infrequent physical damage claims than larger metro areas.

The diagram below illustrates the difference location can make on car insurance rates.

These examples illustrate why it is important to get quotes based on a specific location and their own driving history, instead of using price averages.

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

Rates by State, City, and Model

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

• The lowest rate with discounts is $511
• Choosing higher $1,000 deductibles can save around $762 each year
• The average price for a 40-year-old driver with $500 deductibles is $808
• Choosing low $100 deductibles for comp and collision coverage increases the price to $896
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $1,730 or more
• The cost to insure a teen driver may cost $3,396 each year

View Chart as Image

Car insurance rates for a Nissan Xterra can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your Xterra.

Choosing high deductibles can save as much as $140 every year, while buying higher liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles may pay as little as $800 annually on average for full coverage. Rates are highest for teen drivers, since even excellent drivers will be charged upwards of $3,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,000 to $1,400 extra per year, depending on your age. A high-risk auto insurance policy ranges as much as 41% to 137% more than average. View High Risk Driver Rates

Where you live plays a big part in determining prices for Nissan Xterra insurance prices. A good driver about age 40 could pay as low as $530 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,100 on average in Michigan, New York, and Florida.

View Chart as Image

With so much variability in rates, the only way to figure out exactly what you will pay is to get quotes and see which company has the best rate. Each auto insurer uses a different rate calculation, so rate quotes can be significantly 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 Cheap Nissan Xterra Insurance

Saving money on car insurance takes having a decent driving record, maintaining a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Make time to compare rates once a year by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a brief summary of the data that was touched on in this article.

• It is possible to save as much as $80 per year simply by quoting early and online
• Policyholders who require additional liability coverage will pay about $490 annually to raise limits from a minimum limit to a 250/500 level
• 16 to 18-year-old drivers are expensive to insure, costing up to $283 per month if the policy includes full coverage
• Higher risk drivers that tend to have accidents or serious violations pay on average $920 more each year than a driver with a clean driving record