Nissan Xterra Insurance Rates

The average insurance prices for a Nissan Xterra are $808 every 12 months including full coverage. Comprehensive costs around $110 a year, collision insurance costs $98, and liability coverage is estimated at $442. Buying just liability costs approximately $496 a year, and insurance for high-risk drivers costs around $1,730. Teen 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:

Prices are based on $500 policy deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on the price of insurance. Areas with sparse population are shown to have more infrequent comprehensive and collision claims than larger metro areas. The diagram below illustrates how where you live affects auto insurance rates.

The examples above highlight why it is important to get quotes for a specific zip code and their own driving history, rather than using price averages.

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

Detailed Rate Analysis

The chart below breaks down average 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 average price for a good driver age 40 using $500 deductibles is $808
• Choosing low $100 deductibles for comp and collision coverage increases the price to $896
• Drivers with multiple violations and an at-fault accident could pay at least $1,730
• Policy cost to insure a teenage driver can be $3,396 each year

View Chart as Image

Insurance rates for a Nissan Xterra also range considerably based on liability limits and deductibles, your driving characteristics, and the trim level and model year.

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

Older drivers with a clean driving record and higher deductibles may only pay around $800 annually on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers can expect to pay as much as $3,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at least $1,000 to $1,400 extra every year, depending on your age. A high-risk auto insurance policy ranges around 41% to 137% more than average. View High Risk Driver Rates

Your home state plays a big part in determining prices for Nissan Xterra insurance rates. 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

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 Shop for Affordable Nissan Xterra Insurance

Finding cheaper rates on auto insurance takes being a good driver, having good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Take the time to comparison shop at least once a year by getting rate quotes from direct car insurance companies, and also from insurance agencies where you live.

The following list is a brief review of the primary concepts that were touched on in the above illustrations.

• You may be able to save up to $80 per year just by quoting early and online
• Drivers with DUI or reckless driving convictions could be forced to pay on average $920 more every year than a safer driver
• Increasing comprehensive and collision deductibles could save as much as $125 each year
• Drivers age 16 to 20 pay higher rates, with premiums being up to $283 each month if they have full coverage