Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year with full coverage. Comprehensive costs around $110, collision costs $98, and liability insurance costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing around $1,730. Teens cost the most to insure at $3,396 a year or more.

Average premium for full coverage: $808

Policy rates for type of insurance:

Prices are based on $500 deductible amounts, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for different Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on insurance rates. Areas with sparse population are shown to have lower incidents of collision claims than cities with more traffic congestion.

The price range example below illustrates the difference location can make on auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare rates for a specific zip code, rather than relying on averaged prices.

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

Additional Rate Information

The chart below details estimated Nissan Xterra insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $511
• Drivers who choose higher $1,000 deductibles will pay about $46 annually
• The estimated price for a good driver age 40 using $500 deductibles is $808
• Selecting more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $896
• High risk drivers with serious driving violations could pay at least $1,730 or more
• Policy cost that insures a teen driver with full coverage can be $3,396 a year

View Chart as Image

Insurance rates for a Nissan Xterra also range considerably based on the model year and trim level, your age and driving habits, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you may be forking out at least $1,000 to $1,400 extra every year, depending on your age. High-risk driver insurance can cost anywhere from 41% to 137% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles could pay as little as $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay as much as $3,300 a year. View Rates by Age

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

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $140 each year, while increasing your policy's liability limits will increase rates. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out your exact price is to compare rates from as many companies as possible. Every company calculates rates differently, so the rates will be varied.

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 Nissan Xterra insurance not only requires having a good driving record, but also having above-average credit, not filing small claims, and insuring your home and auto with the same company. Compare rates at every other renewal by requesting rates from direct companies, and also from your local independent and exclusive agents.

The next list is a brief review of the concepts that were touched on in this article.

• High-risk drivers with DUI or reckless driving convictions may pay on average $920 more every year to buy Nissan Xterra insurance
• Drivers age 20 and younger pay higher rates, as much as $283 each month if full coverage is included
• You may be able to save up to $80 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $125 each year
• You may be able to save up to $80 per year simply by shopping early and online