Nissan Xterra Insurance Rates

The average auto insurance rates for a Nissan Xterra are $808 annually for full coverage. Comprehensive insurance costs on average $110 each year, collision insurance costs $98, and liability costs $442. Buying just liability costs as little as $496 a year, and insurance for high-risk drivers 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:

Estimates include $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance rates. Rural areas are shown to have fewer accident claims than densely populated cities. The graphic below illustrates the effect of geographic area on car insurance rates.

The examples above show why all drivers should compare rates based on a specific location and their own personal driving habits, instead of making a decision based on average rates.

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

More Rate Information

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

• The best discount rate is $511
• Drivers who choose higher $1,000 deductibles will pay around $46 a year
• The estimated rate for a good driver age 40 with $500 deductibles is $808
• Using low deductibles for comprehensive and collision insurance costs an additional $88 annually
• Drivers who are prone to accidents and violations could pay upwards of $1,730
• Policy cost with full coverage for a 16-year-old driver may cost $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 driver profile, and policy deductibles and limits.

More mature drivers with a clean driving record and high physical damage deductibles may pay as low as $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay upwards of $3,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you could be paying at a minimum $1,000 to $1,400 extra every year, depending on your age. Insurance for high-risk drivers can cost from 41% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $140 annually, whereas increasing liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Nissan Xterra insurance prices. A 40-year-old driver could pay as low as $530 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,160 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 Low Cost Nissan Xterra Insurance

Finding cheaper rates on insurance for a Nissan Xterra not only requires avoiding accidents and violations, but also having a good credit history, avoid buying unnecessary coverage, and determing if full coverage is necessary. Take the time to compare rates at least every other year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from local insurance agents.

The list below is a review of the car insurance concepts covered in the above illustrations.

• Drivers considered higher risk who have several accidents or serious violations may be required to pay an average of $920 more each year for car insurance
• Drivers can save as much as $80 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles could save up to $125 each year
• Insureds who require higher liability limits will pay an extra $490 each year to go from a 30/60 limit to higher 250/500 limits