Nissan Xterra Insurance Rates

Estimated insurance rates for a Nissan Xterra are $808 a year including full coverage. Comprehensive insurance costs an estimated $110 a year, collision costs $98, and liability costs around $442. Liability-only coverage costs as low as $496 a year, with high-risk coverage costing $1,730 or more. 16-year-old 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:

Estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes both medical and UM/UIM coverage. Rates include averaging for all 50 U.S. states and Xterra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live can make a big difference on the price of auto insurance. More rural locations are statistically proven to have lower incidents of comprehensive and collision claims than congested cities.

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

These rate differences highlight why it is important to compare prices for a targeted area, instead of making a decision based on rate averages.

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

Rate Comparisons

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

• The best full coverage rate is $511
• Using higher $1,000 deductibles will save approximately $762 every year
• The estimated price for a 40-year-old good driver who has $500 deductibles is $808
• Buying low $100 deductibles for physical damage coverage will cost an additional $88 annually
• High-risk insureds with multiple tickets or accidents could pay up to $1,730 or more
• An auto insurance policy that insures a 16-year-old 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 the trim level of your Xterra, your driving record and age, and liability limits and deductibles.

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

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records can expect to pay at least $3,300 a year. View Rates by Age

Where you choose to live 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 Vermont, New Hampshire, and Missouri, or at least $1,160 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $140 annually, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out which insurance company is cheapest is to get quotes from multiple companies. Each insurance company utilizes a different rate formula, so the 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 Find Low Cost Nissan Xterra Insurance

Finding better rates on insurance for a Nissan Xterra requires being a low-risk driver, having above-average credit, refrain from filing small claims, and taking advantage of discounts. Comparison shop every couple of years by quoting rates from direct car insurance companies, and also from your local car insurance providers.

The items below are a review of the material that was covered above.

• Insureds who want more liability coverage will pay around $490 per year to increase from 30/60 bodily injury limits to the 250/500 level
• Teen drivers are charged the highest prices, with the cost nearing $283 per month if full coverage is included
• Drivers considered higher risk who have several accidents or serious violations could be charged and average of $920 more annually to insure their Xterra
• Increasing policy deductibles can save approximately $125 each year