Nissan Xterra Insurance Rates

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

Average premium for full coverage: $808

Policy rates by type of insurance:

Estimates include $500 physical damage deductibles, 30/60 split liability limits, and includes UM/UIM and medical coverage. Prices are averaged for all states and for different Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on car insurance rates. Rural locations are shown to have lower incidents of accident claims than densely populated cities.

The price range example below illustrates how location impacts auto insurance prices.

The examples above show why anyone shopping for car insurance should compare rates using their specific location, instead of using average rates.

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

Rates by State, City, and Model

The chart below shows estimated Nissan Xterra insurance rates for additional coverage and risk scenarios.

• The best discount rate is $511
• Drivers who choose higher $1,000 deductibles will pay $46 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $808
• Using more expensive low deductibles for comprehensive and collision insurance will cost an additional $88 every year
• Higher-risk drivers who are prone to accidents and violations could pay around $1,730 or more
• Policy cost that insures a teen driver with full coverage can 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, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,000 to $1,400 extra every year, depending on your age. High-risk driver insurance can cost as much as 41% to 137% more than a normal policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may 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 in the ballpark of $3,300 a year. View Rates by Age

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 Iowa, Maine, and Idaho, or be forced to pay as much as $1,160 on average in New York, Louisiana, and Michigan.

View Chart as Image

Using high physical damage deductibles could save up to $140 every year, while increasing your policy's liability limits will push rates upward. Going 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 only way to know who has the cheapest car insurance rates is to compare rates and see which company has the best rate. Every company uses a different method to calculate rates, 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 Low Cost Nissan Xterra Insurance

Finding cheaper rates on car insurance not only requires being a safe and courteous driver, but also having above-average credit, avoid buying unnecessary coverage, and maximizing policy discounts. Compare prices at least every other year by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

Below is a review of the car insurance concepts touched on above.

• Higher risk drivers who have several accidents or serious violations could be forced to pay on average $920 more per year for auto insurance
• Drivers can save around $80 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles can save approximately $125 each year
• Policyholders who purchase higher levels of liability will pay an extra $490 each year to go from a 30/60 limit to the 250/500 level