Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year with full coverage. Comprehensive insurance costs on average $110, collision insurance costs $98, and liability costs around $442. A liability-only policy costs as low as $496 a year, and high-risk insurance costs $1,730 or more. Teenage drivers cost the most to insure at up to $3,396 a year.

Average premium for full coverage: $808

Policy rates by type of insurance:

Prices are based on $500 physical damage deductibles, liability limits of 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all U.S. states and for all Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on auto insurance rates. Rural areas are shown to have lower incidents of collision claims than densely populated cities. The example below illustrates how geographic area affects car insurance rates.

The examples above demonstrate why everyone should compare prices based on a specific location, instead of making a decision based on average rates.

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

Rate Comparisons

The chart below details average Nissan Xterra insurance rates for different risk profiles and scenarios.

• The best discount rate is $511
• Using higher $1,000 deductibles will save around $46 annually
• The estimated price for a good driver age 40 with $500 deductibles is $808
• Using pricier low deductibles for physical damage coverage will cost an additional $88 annually
• High-risk insureds who are prone to accidents and violations could pay upwards of $1,730
• Policy cost that insures a 16-year-old driver for full coverage may cost $3,396 or more

View Chart as Image

Car insurance rates for a Nissan Xterra also range considerably based on the model of your Xterra, your age and driving habits, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at a minimum $1,000 to $1,400 extra every year, depending on your age. Nissan Xterra insurance for high-risk drivers can be from 41% to 137% more than a normal policy. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records will be charged upwards of $3,300 a year. View Rates by Age

Your home state has a huge impact on Nissan Xterra insurance prices. A driver around age 40 might see rates as low as $590 a year in states like New Hampshire, Ohio, and Utah, or be forced to pay as much as $1,100 on average in Florida, Michigan, and New York.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $140 annually, whereas buying more liability protection will cost you more. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

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 Affordable Nissan Xterra Insurance

Finding cheaper rates on insurance for a Nissan Xterra requires being a safe and courteous driver, having a positive credit history, not filing small claims, and possibly raising deductibles. Compare prices once a year by requesting quotes from direct companies, and also from several local insurance agents.

Below is a brief review of the data that was presented in the illustrations above.

• You may be able to save as much as $80 per year just by quoting online well ahead of the renewal date
• Insureds who require higher levels of liability will pay an extra $490 every year to increase from a 30/60 limit to the 250/500 level
• Teenage drivers are expensive to insure, as much as $283 each month if full coverage is purchased
• Drivers considered higher risk with DUI or reckless driving convictions pay on average $920 more each year for auto insurance