Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year including full coverage. Comprehensive insurance costs on average $110 each year, collision insurance costs $98, and liability is $442. A liability-only policy costs around $496 a year, and high-risk insurance costs $1,730 or more. Teens cost the most to insure at up to $3,396 a year.

Average premium for full coverage: $808

Policy rates by type of insurance:

Rates are based on $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on car insurance rates.

The examples above highlight why all drivers should compare rates quotes based on a specific location, instead of making a decision based on averaged prices.

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

More Rate Information

The chart below breaks down average Nissan Xterra insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $511
• Raising to $1,000 deductibles will save around $46 every year
• The estimated price for a good driver age 40 with $500 deductibles is $808
• Selecting low deductibles will cost an additional $88 annually
• Drivers with serious driving violations could pay upwards of $1,730
• Policy cost that insures a 16-year-old driver may cost $3,396

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 policy deductibles and limits.

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

More mature drivers with no driving violations and higher comprehensive and collision deductibles may pay as low as $800 every 12 months 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 upwards of $3,300 a year. View Rates by Age

Your home state also has a big influence on Nissan Xterra insurance prices. A middle-age driver might find rates as low as $620 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,160 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $140 annually, whereas increasing liability limits will cost you more. 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 the Best Cheap Nissan Xterra Insurance

Finding cheaper rates on insurance for a Nissan Xterra consists of avoiding accidents and claims, having a positive credit history, paying for small claims out-of-pocket, and possibly raising deductibles. Compare rates every couple of years by getting quotes from direct car insurance companies, and also from insurance agencies where you live.

The points below are a quick review of the material that was covered above.

• Insureds who require increased liability limits will pay approximately $490 per year to raise from a 30/60 limit to the 250/500 level
• Drivers under the age of 20 are expensive to insure, with premiums being up to $283 each month if full coverage is purchased
• Drivers considered higher risk with a DUI or reckless driving violation could be forced to pay on average $920 more each year to insure a Nissan Xterra
• Increasing comprehensive and collision deductibles can save approximately $125 each year