Nissan Xterra Insurance Rates

U.S. average insurance rates for a Nissan Xterra are $808 a year for full coverage. Comprehensive insurance costs on average $110 a year, collision costs $98, and liability insurance is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing $1,730 or more. 16-year-old drivers pay the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Price estimates by individual coverage:

Rates are based on $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all states and Xterra trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Rural areas have a lower frequency of accident claims than congested cities.

The diagram below illustrates the difference between rural and urban areas on car insurance rates.

The ranges above show why it is important to compare rates quotes based on a specific location and risk profile, rather than relying on rate averages.

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

More Rate Information

The chart below shows estimated Nissan Xterra insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $511
• Raising to $1,000 deductibles will save around $762 a year
• The average rate for the average middle-age driver with $500 deductibles is $808
• Buying low $100 deductibles will cost an extra $88 a year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $1,730 or more
• The price for full coverage for a teen driver may cost $3,396

View Chart as Image

Auto insurance prices for a Nissan Xterra are also quite variable based on your driving record, the trim level of your Xterra, and policy deductibles and limits.

Older drivers with a good driving record and high deductibles could pay as little as $800 every 12 months on average for full coverage. Prices are highest for teenage drivers, where even good drivers will have to pay upwards of $3,300 a year. View Rates by Age

The state you live in also has a big influence on Nissan Xterra insurance rates. A middle-age driver might find prices as low as $530 a year in states like Idaho, Maine, and Iowa, or at least $1,160 on average in Michigan, Louisiana, and New York.

View Chart as Image

Opting for high physical damage deductibles can reduce prices by up to $140 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,000 to $1,400 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost anywhere from 41% to 137% more than the average rate. View High Risk Driver Rates

Since prices can be so different, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every auto insurance company utilizes a different rate formula, and quoted prices may be quite different from one company to the next.

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 the Best Cheap Nissan Xterra Insurance

Getting lower rates on Nissan Xterra insurance consists of being a low-risk driver, having good credit, eliminating unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates every time your policy renews by quoting rates from direct carriers like Progressive and GEICO, and also from your local insurance agents.

The items below are a quick review of the information covered above.

• Drivers can save as much as $80 per year simply by quoting early and online
• Teen drivers are charged the highest prices, with premiums as much as $283 a month if they have full coverage
• Increasing physical damage deductibles can save around $125 each year
• High-risk drivers with a DUI or reckless driving violation will pay on average $920 more each year to insure their Xterra
• Drivers who require more liability coverage will pay around $490 each year to raise from a low limit to 250/500 limits