Nissan Xterra Insurance Rates

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

Average premium for full coverage: $808

Price estimates for individual coverage:

Includes $500 policy deductibles, liability coverage up to 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Xterra trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. Areas with sparse population have a lower frequency of comprehensive and collision claims than densely populated cities.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above highlight why anyone shopping for car insurance should compare rates for a specific zip code and risk profile, rather than using average rates.

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

Detailed Rate Analysis

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

• The best discount rate is $511
• Drivers who choose higher $1,000 deductibles will pay about $46 every year
• The average rate for the average middle-age driver using $500 deductibles is $808
• Using more expensive low deductibles for comprehensive and collision insurance will increase the cost to $896
• High-risk insureds who are prone to accidents and violations could pay at least $1,730 or more
• The price for full coverage for a teenage driver with full coverage can be $3,396 a year

View Chart as Image

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

An older driver with no driving violations and high deductibles may only pay around $800 per year on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged as much as $3,300 a year. View Rates by Age

The state you live in makes a big difference in Nissan Xterra insurance rates. A 40-year-old driver could pay as low as $620 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,160 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could save up to $140 a year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at least $1,000 to $1,400 extra each year, depending on your age. High-risk driver insurance can cost around 41% to 137% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the best way to figure out your exact price is to compare prices and see how they stack up. Every company uses a different method to calculate prices, so rate quotes 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 Cheapest Nissan Xterra Insurance

Getting lower rates on auto insurance not only requires being a good driver, but also having above-average credit, being claim-free, and qualifying for all possible discounts. Set aside time to compare rates every time your policy renews by requesting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following list is a recap of the information covered above.

• You may be able to save up to $80 per year simply by shopping early and online
• Drivers age 16 to 20 are the costliest to insure, possibly costing $283 a month if full coverage is included
• Increasing physical damage deductibles can save around $125 each year
• Drivers that have major violations or accidents pay on average $920 more every year than a safer driver
• Consumers who may need an increased level of liability coverage will pay an extra $490 per year to go from a low limit to 250/500 limits