Nissan Xterra Insurance Rates

Average auto insurance rates for a Nissan Xterra are $808 annually for full coverage insurance. Comprehensive costs on average $110, 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. Teenage drivers receive the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Rate estimates by individual coverage type:

Includes $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 states and for different 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 fewer physical damage claims than densely populated cities.

The price range example below illustrates how location impacts car insurance rates.

These examples illustrate why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, instead of 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 different risk profiles and scenarios.

• The best discount rate is $511
• Choosing higher $1,000 deductibles can save around $46 each year
• The estimated rate for a 40-year-old driver with $500 deductibles is $808
• Using more expensive low deductibles for comp and collision coverage will cost $896
• Unlucky drivers who are prone to accidents and violations could pay upwards of $1,730 or more
• The cost with full coverage for a teen driver with full coverage may cost $3,396 each year

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

An older driver with no driving violations and high physical damage deductibles may pay as little as $800 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will be charged upwards of $3,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are probably paying at a minimum $1,000 to $1,400 extra per year, depending on your age. High-risk driver insurance 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 increasing your policy's liability limits will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

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 be forced to pay 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 compare rates and see which company has the best rate. Each auto insurer uses a different method to calculate rates, so rate quotes can be significantly 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 the Cheapest Nissan Xterra Insurance

Saving money on car insurance takes avoiding accidents and violations, having a good credit score, avoid buying unnecessary coverage, and maximizing policy discounts. Spend time shopping around every couple of years by obtaining price quotes from direct insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The list below is a recap of the material that was touched on above.

• Policyholders who require higher liability limits will pay an extra $490 annually to raise limits from a minimum limit to higher 250/500 limits
• Teenagers are expensive to insure, costing up to $283 per month if comprehensive and collision insurance is included
• Higher risk drivers that have major violations or accidents may pay on average $920 more each year for car insurance
• Increasing deductibles could save up to $125 each year