Nissan Xterra Insurance Rates

The average auto insurance rates for a Nissan Xterra are $808 annually for full coverage insurance. Comprehensive costs an estimated $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 around $1,730. Teens cost the most to insure at $3,396 a year or more.

Average premium for full coverage: $808

Policy rates broken down by type of insurance:

Rate estimates include $500 policy deductibles, 30/60 liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on the price of insurance. More rural locations are shown to have fewer physical damage claims than cities with more traffic congestion.

The diagram below illustrates how where you live affects insurance prices.

The examples above illustrate why it is important to compare prices for a targeted area and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

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

• The cheapest rate after discounts is $511
• Using higher $1,000 deductibles will save approximately $762 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $808
• Selecting low $100 deductibles for physical damage coverage will cost $896
• High-risk insureds with serious driving violations could pay up to $1,730 or more
• Policy cost with full coverage for a 16-year-old driver can cost as much as $3,396 or more

View Chart as Image

Insurance rates for a Nissan Xterra also range considerably based on the model year and trim level, your risk profile, and liability limits and deductibles.

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $3,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying $1,000 to $1,400 extra every 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

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $140 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Your home state has a huge impact on Nissan Xterra insurance prices. A driver around age 40 might see rates as low as $530 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,100 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to get quotes from multiple companies. Each insurance company calculates rates differently, so the rates will be varied between companies.

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 Buy the Best Nissan Xterra Insurance

Finding cheaper rates on insurance for a Nissan Xterra requires being a good driver, having a good credit history, being claim-free, and taking advantage of discounts. Take the time to comparison shop at every policy renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The following list is a brief recap of the data touched on in the above illustrations.

• Insureds who want an increased level of liability coverage will pay approximately $490 annually to increase from a 30/60 limit to higher 250/500 limits
• It is possible to save approximately $80 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $125 each year
• Drivers age 16 to 20 are charged the highest rates, possibly costing $283 each month including comprehensive and collision insurance