Nissan Xterra Insurance Rates

U.S. average auto insurance rates for a Nissan Xterra are $808 annually with full coverage. Comprehensive insurance costs on average $110, collision costs $98, and liability coverage costs around $442. A policy with just liability insurance costs as low as $496 a year, with coverage for high-risk drivers costing $1,730 or more. Teens pay the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Price estimates by individual coverage:

These estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and for different Xterra trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on auto insurance rates. Rural areas have fewer collision claims than cities with more traffic congestion.

The price range example below illustrates how rural and urban location affects car insurance rates.

The ranges above demonstrate why anyone shopping for car insurance should compare prices based on a specific location and their own personal driving habits, rather than using averaged prices.

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

Additional Rate Information

The chart below details estimated Nissan Xterra insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $511
• Using higher $1,000 deductibles will save around $46 annually
• The estimated rate for the average middle-age driver with $500 deductibles is $808
• Selecting more expensive low deductibles for physical damage coverage costs an additional $88 each year
• Higher-risk drivers with serious driving violations could pay upwards of $1,730 or more
• The price with full coverage for a teenage driver with full coverage may cost $3,396 or more

View Chart as Image

Insurance prices for a Nissan Xterra are also quite variable based on the trim level and model year, your driving record, and policy deductibles and limits.

An older driver with a clean driving record and high physical damage deductibles may only pay around $800 a year for full coverage. Prices are much higher for teenage drivers, 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 some driving violations or you caused a few accidents, you may be forking out at a minimum $1,000 to $1,400 extra each year, depending on your age. High-risk driver insurance can be around 41% to 137% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $140 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Nissan Xterra insurance rates. A driver around age 40 might see prices as low as $590 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,100 on average in Florida, Michigan, and New York.

View Chart as Image

Since prices can be so different, the best way to find out exactly what you will pay is to compare prices and see how they stack up. Each insurance company calculates prices differently, so the prices may be quite different between companies.

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 Cheap Nissan Xterra Insurance

Getting lower rates on auto insurance requires avoiding accidents and violations, having a good credit history, avoid buying unnecessary coverage, and bundling your home and auto policies. Set aside time to shop around every year by quoting rates from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a brief summary of the coverage data raised in the charts and tables above.

• You may be able to save as much as $80 per year simply by shopping early and online
• Increasing physical damage deductibles could save up to $125 each year
• Teenagers pay the highest prices, costing up to $283 a month including comprehensive and collision insurance
• Drivers that tend to have accidents or serious violations pay an average of $920 more each year for car insurance