Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year including full coverage. Comprehensive insurance costs around $110 each year, collision insurance costs $98, and liability insurance costs $442. A liability-only policy costs as little as $496 a year, and high-risk insurance 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 for type of insurance:

Full coverage includes $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. Areas with sparse population are shown to have lower incidents of comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above highlight why all drivers should compare rates for a specific zip code, rather than relying on average rates.

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

Additional Rate Information

The chart below breaks down average 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 estimated price for a good driver age 40 using $500 deductibles is $808
• Using low deductibles for comprehensive and collision insurance will cost an additional $88 a year
• High risk drivers who are prone to accidents and violations could pay at least $1,730
• Policy cost that insures a teen driver can be $3,396 a year

View Chart as Image

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

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

More mature drivers with no driving violations 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 will be charged 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 $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 each year, whereas increasing liability limits will increase rates. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

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 More Affordable Nissan Xterra Insurance

Finding cheaper rates on Nissan Xterra insurance not only requires having a decent driving record, but also having a positive credit history, paying for small claims out-of-pocket, and consideration of higher deductibles. Compare prices at every other renewal by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The following items are a summary of the concepts that were covered above.

• High-risk drivers who have multiple accidents or major violations may have to pay on average $920 more every year than a driver with a clean driving record
• 16 to 18-year-old drivers are the costliest to insure, with premiums being up to $283 each month if full coverage is purchased
• You may be able to save up to $80 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $125 each year
• You may be able to save up to $80 per year just by quoting online in advance