Nissan Xterra Insurance Rates

The average insurance prices for a Nissan Xterra are $808 every 12 months for full coverage insurance. Comprehensive costs around $110 a year, collision costs $98, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing around $1,730. Teens cost the most to insure at $3,396 a year or more.

Average premium for full coverage: $808

Policy rates for type of insurance:

Prices are based on $500 physical damage deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 states and Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are shown to have more infrequent physical damage claims than cities with more traffic congestion.

The diagram below illustrates how your location can change auto insurance rates.

The examples above illustrate why it is important to get quotes for a specific zip code and their own driving history, 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 illustrates estimated Nissan Xterra insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $511
• Choosing higher $1,000 deductibles can save about $762 each year
• The average price for a good driver age 40 using $500 deductibles is $808
• Selecting low $100 deductibles for comp and collision coverage increases the price to $896
• Higher-risk drivers with serious driving violations could pay at least $1,730 or more
• Policy cost to insure a 16-year-old 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 risk profile, and the trim level and model year.

Choosing higher comprehensive and collision insurance deductibles can save as much as $140 annually, while buying higher liability limits will increase rates. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Older drivers with no violations or accidents and higher deductibles may pay as low as $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared 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 probably paying at least $1,000 to $1,400 additional every year, depending on your age. A high-risk auto insurance policy ranges from 41% to 137% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Nissan Xterra insurance prices. A good driver about age 40 could pay as low as $530 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,100 on average in Michigan, New York, and Florida.

View Chart as Image

Because rates have so much variability, the only way to figure out your exact price is to get quotes from multiple companies. Each auto insurer calculates rates differently, and rates will be varied.

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 insurance for a Nissan Xterra takes being a safe and courteous driver, having above-average credit, being claim-free, and taking advantage of discounts. Invest the time to shop around at least every other year by quoting rates from direct insurance companies, and also from your local independent and exclusive agents.

Below is a brief review of the car insurance concepts illustrated above.

• Drivers considered higher risk with DUI or reckless driving convictions may pay on average $920 more every year for auto insurance
• It is possible to save up to $80 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save as much as $125 each year
• Insureds who may need higher levels of liability will pay approximately $490 annually to raise limits from a 30/60 limit to a 250/500 level