Nissan Xterra Insurance Rates

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

Average premium for full coverage: $808

Price estimates for individual coverage:

Estimates include $500 deductibles, 30/60 split liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Xterra trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The ranges above highlight why it is important to get quotes for a specific zip code, instead of using price averages.

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

Additional Charts and Tables

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

• The lowest rate with discounts is $511
• Choosing higher $1,000 deductibles can save about $762 every year
• The estimated price for the average middle-age driver using $500 deductibles is $808
• Choosing low $100 deductibles for comp and collision coverage will cost an additional $88 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay at least $1,730 or more
• The price that insures a teen driver can be $3,396 each year

View Chart as Image

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

If you have some driving violations or you caused an accident, you are likely paying at least $1,000 to $1,400 extra each year, depending on your age. A high-risk auto insurance policy ranges as much as 41% to 137% more than average. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $800 annually on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay as much as $3,300 a year. View Rates by Age

The state you live in plays a big part in determining prices for Nissan Xterra insurance prices. A good driver about age 40 could pay as low as $620 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,160 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can save as much as $140 every year, while buying higher liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out your exact price is to get quotes and see which company has the best price. Each auto insurer uses a different rate calculation, so the prices may be quite 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 Low Cost Nissan Xterra Insurance

Getting lower rates on car insurance takes not taking risks behind the wheel, having above-average credit, being claim-free, and insuring your home and auto with the same company. Shop around at least every other year by getting rate quotes from direct car insurance companies, and also from local insurance agencies.

The following is a review of the car insurance concepts covered above.

• Higher risk drivers who have several accidents or serious violations may have to pay on average $920 more every year for Xterra insurance
• You may be able to save up to $80 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $125 each year
• Policyholders who may need higher liability limits will pay about $490 per year to raise limits from a low limit to the 250/500 level