Nissan Xterra Insurance Rates

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

Average premium for full coverage: $808

Price estimates by individual coverage:

Prices include $500 deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all U.S. states and Xterra trim levels.

Price Range from Low to High

Geographic Price Range

Your location can have significant affects on the price of insurance. Rural locations have fewer collision claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on auto insurance prices.

The ranges above demonstrate why it is important to compare rates using their specific location and their own personal driving habits, instead of using averaged prices.

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

Rates by State, City, and Model

The chart below details estimated Nissan Xterra insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $511
• Drivers who choose higher $1,000 deductibles will pay $762 annually
• The estimated rate for the average middle-age driver who chooses $500 deductibles is $808
• Selecting low $100 deductibles for comprehensive and collision insurance costs an additional $88 every year
• Higher-risk drivers with serious driving violations could pay around $1,730 or more
• The price with full coverage for a teen driver can cost $3,396 a year

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Insurance prices for a Nissan Xterra are also quite variable based on the trim level and model year, your driving record, and physical damage deductibles and liability limits.

Older drivers with no violations or accidents and high physical damage deductibles may pay as little as $800 per year on average for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay in the ballpark of $3,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you may be forking out anywhere from $1,000 to $1,400 additional each year, depending on your age. A high-risk auto insurance policy can cost as much as 41% to 137% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $140 every year, while buying higher liability limits will push prices upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

The state you live in makes a big difference in Nissan Xterra insurance prices. A 40-year-old driver could pay as low as $590 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,100 on average in New York, Michigan, and Florida.

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Since prices can be so different, the best way to find out who has the cheapest auto insurance prices is to get quotes and see which company has the best price. Every company calculates prices differently, and 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 the Right Nissan Xterra Insurance

Getting lower rates on car insurance not only requires not taking risks behind the wheel, but also having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Take the time to compare rates at least every other year by getting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following is a quick rundown of the car insurance concepts covered in the above illustrations.

• Higher risk drivers with reckless driving or DUI convictions may pay on average $920 more per year for Xterra insurance
• You may be able to save around $80 per year simply by quoting early and online
• Increasing physical damage deductibles could save up to $125 each year
• Policyholders who purchase higher liability limits will pay approximately $490 every year to go from a low limit to higher 250/500 limits