Nissan Xterra Insurance Rates

Estimated insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive insurance costs around $110 a year, collision costs $98, and liability coverage is $442. A policy with only liability insurance costs around $496 a year, with a high-risk policy costing $1,730 or more. Teenage drivers pay the most at $3,396 a year or more.

Average premium for full coverage: $808

Premium estimates for type of coverage:

Prices are based on $500 deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and Xterra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Choosing to live in a large city has a large influence on car insurance rates. Areas with sparse population are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates how where you live affects auto insurance rates.

These rate differences illustrate why it is important to compare rates quotes for a specific zip code, rather than using average rates.

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

Additional Charts and Tables

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

• The best discount rate is $511
• Raising to $1,000 deductibles will save about $762 each year
• The estimated price for a 40-year-old good driver using $500 deductibles is $808
• Using low $100 deductibles will cost an additional $88 each year
• Unlucky drivers who are prone to accidents and violations could pay at least $1,730 or more
• An auto insurance policy that insures a teenage driver can be $3,396

View Chart as Image

Car insurance prices for a Nissan Xterra also have a wide range based on the trim level of your Xterra, your age and driving record, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are probably paying at least $1,000 to $1,400 extra annually, depending on your age. A high-risk auto insurance policy is expensive and can cost around 41% to 137% more than a normal policy. View High Risk Driver Rates

Older drivers with no driving violations and higher comprehensive and collision deductibles may only pay around $800 every 12 months on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged as much as $3,300 a year. View Rates by Age

Where you choose to live 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 Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,100 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $140 a year, while buying higher liability limits will increase prices. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the only way to figure out your exact price is to get quotes and see how they stack up. Every auto insurance company uses a different method to calculate prices, so rate quotes will be substantially different.

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 better rates on auto insurance consists of not taking risks behind the wheel, having a positive credit history, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare prices every time your policy renews by getting quotes from direct insurance companies, and also from insurance agencies where you live.

The following is a brief review of the information touched on in the above illustrations.

• It is possible to save up to $80 per year simply by quoting early and online
• Teens are the costliest to insure, with premiums being up to $283 per month if full coverage is purchased
• Increasing policy deductibles can save approximately $125 each year
• Drivers with DUI or reckless driving convictions could be forced to pay on average $920 more every year for Xterra insurance
• Consumers who may need higher liability limits will pay an extra $490 annually to raise from 30/60 bodily injury limits to the 250/500 level