Nissan Xterra Insurance Rates

U.S. average auto insurance rates for a Nissan Xterra are $808 annually for full coverage insurance. Comprehensive costs around $110 a year, collision costs $98, and liability is estimated at $442. A policy with just liability insurance costs approximately $496 a year, with coverage for high-risk drivers costing around $1,730. Teenage drivers pay the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Price estimates for individual coverage:

Estimates include $500 deductibles, liability coverage up to 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and Xterra trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. Areas with sparse population have fewer physical damage claims than densely populated cities.

The diagram below illustrates how rural and urban location affects auto insurance rates.

The ranges above illustrate why it is important to get quotes for a specific zip code and their own personal driving habits, instead of using average rates.

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

Additional Rate Analysis

The chart below illustrates estimated Nissan Xterra insurance rates for additional coverage choices and driver risks.

• The best discount rate is $511
• Choosing higher $1,000 deductibles can save about $762 each year
• The estimated rate for the average middle-age driver using $500 deductibles is $808
• Using low $100 deductibles for comp and collision coverage will cost $896
• Unlucky drivers who are prone to accidents and violations could pay at least $1,730 or more
• The price with full coverage for a teen driver can be $3,396 each year

View Chart as Image

Insurance prices for a Nissan Xterra are also quite variable based on the trim level and model year, your risk profile, and deductibles and policy limits.

Older drivers with a clean driving record and high physical damage deductibles may pay as little as $800 annually on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they can expect to pay as much as $3,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at least $1,000 to $1,400 extra each year, depending on your age. A high-risk auto insurance policy ranges as much as 41% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $140 every year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

The state you live in 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 be forced to pay as much as $1,100 on average in Michigan, New York, and Florida.

View Chart as Image

Since prices can be so different, the only way to figure out your exact price is to get quotes and see which company has the best price. Each auto insurer uses a different method to calculate prices, so the prices may be quite different 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 Low Cost Nissan Xterra Insurance

Getting lower rates on car insurance takes not taking risks behind the wheel, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Set aside time to shop around every time your policy renews by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a review of the information raised in the charts and tables above.

• It is possible to save up to $80 per year simply by quoting early and online
• Teens pay higher prices, as much as $283 a month including comprehensive and collision insurance
• Increasing physical damage deductibles could save up to $125 each year
• Higher risk drivers who have several accidents or serious violations pay on average $920 more every year for Xterra insurance
• Policyholders who may need higher liability limits will pay an extra $490 annually to raise limits from a low limit to higher 250/500 limits