Nissan Xterra Insurance Rates

The average insurance prices for a Nissan Xterra are $808 every 12 months for full coverage insurance. Comprehensive costs approximately $110, collision insurance costs $98, and liability is $442. Liability-only coverage costs around $496 a year, and high-risk coverage costs around $1,730. Teens 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 comprehensive and collision deductibles, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 states and for different Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can have significant affects on the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than cities with more traffic congestion. The price range example below illustrates how your location can change auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, instead of using averaged prices.

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

Additional Rate Details

The chart below illustrates average Nissan Xterra insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $511
• Raising to $1,000 deductibles will save $46 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $808
• Selecting more expensive low deductibles increases the price to $896
• At-risk drivers with serious driving violations could pay around $1,730
• Policy cost to insure a teen driver with full coverage can cost $3,396

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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $140 every year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $800 every 12 months on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay in the ballpark of $3,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying anywhere from $1,000 to $1,400 additional every year, depending on your age. High-risk driver insurance is expensive and can cost as much as 41% to 137% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Nissan Xterra insurance prices. A middle-age driver might find 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.

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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 Shop for Affordable Nissan Xterra Insurance

Finding cheaper rates on car insurance consists of having a decent driving record, having above-average credit, being claim-free, and consideration of higher deductibles. Invest the time to shop around at every policy renewal by requesting quotes from direct insurance companies, and also from local insurance agencies.

The following items are a brief review of the data illustrated above.

• Policyholders who purchase additional liability coverage will pay approximately $490 annually to raise from a 30/60 limit to a 250/500 level
• It is possible to save around $80 per year just by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $125 each year
• 16 to 18-year-old drivers are the costliest to insure, possibly costing $283 each month if full coverage is included