Nissan Xterra Insurance Rates

U.S. average insurance rates for a Nissan Xterra are $808 a year including full coverage. Comprehensive costs approximately $110 a year, collision insurance costs $98, and liability coverage is $442. Liability-only coverage costs around $496 a year, and high-risk coverage costs around $1,730. Teen drivers pay the highest rates at up to $3,396 a year.

Average premium for full coverage: $808

Price estimates by individual coverage:

Estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 U.S. states and Xterra trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city has a large influence on car insurance prices. Rural locations have lower incidents of comprehensive and collision claims than larger metro areas. The diagram below illustrates how location impacts auto insurance prices.

The ranges above highlight why it is important to compare rates quotes using their specific location, rather than using price averages.

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

Additional Rate Details

The chart below breaks down average Nissan Xterra insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $511
• Raising to $1,000 deductibles will save $762 every year
• The estimated price for the average middle-age driver who chooses $500 deductibles is $808
• Choosing low $100 deductibles bumps up the cost to $896
• Unlucky drivers with multiple violations and an at-fault accident could pay around $1,730
• The price that insures a teenage driver can cost $3,396

View Chart as Image

Auto insurance prices for a Nissan Xterra are also quite variable based on the trim level of your Xterra, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,000 to $1,400 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost around 41% to 137% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may only pay around $800 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records will have to pay in the ballpark of $3,300 a year. View Rates by Age

The state you live in also has a big influence on Nissan Xterra insurance rates. A middle-age driver might find prices as low as $620 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,160 on average in Louisiana, New York, and Michigan.

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Choosing high deductibles can reduce prices by up to $140 a year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every year. 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 Low Cost Nissan Xterra Insurance

Getting lower rates on auto insurance consists of being a good driver, maintaining a good credit score, being claim-free, and possibly higher deductibles. Shop around every time your policy renews by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

The following list is a review of the information touched on above.

• You may be able to save around $80 per year just by quoting early and online
• Drivers age 16 to 20 have the highest car insurance prices, possibly costing $283 a month if the policy includes full coverage
• Increasing physical damage deductibles can save approximately $125 each year
• Drivers who have several accidents or serious violations will likely pay on average $920 more per year than a safer driver
• Consumers who purchase an increased level of liability coverage will pay about $490 per year to raise from a low limit to the 250/500 level