Nissan Xterra Insurance Rates

The average auto insurance rates for a Nissan Xterra are $808 annually including full coverage. Comprehensive costs an estimated $110 each year, collision insurance costs $98, and liability costs $442. Liability-only coverage costs as little as $496 a year, and high-risk coverage costs around $1,730. Teenage drivers cost the most to insure at up to $3,396 a year.

Average premium for full coverage: $808

Policy rates broken down by type of insurance:

Includes $500 deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Your location can have significant affects on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities. The graphic below illustrates the difference between rural and urban areas on insurance prices.

The examples above highlight why all drivers should compare rates for a targeted area and their own personal driving habits, instead of using average rates.

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 other coverage scenarios.

• The best discount rate is $511
• Drivers who choose higher $1,000 deductibles will pay approximately $46 every year
• The estimated rate for a good driver age 40 who has $500 deductibles is $808
• Using low deductibles for comprehensive and collision insurance will cost $896
• Higher-risk drivers who are prone to accidents and violations could pay up to $1,730
• Policy cost with full coverage for a teen driver can cost as much as $3,396 a year

View Chart as Image

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

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared to pay at least $3,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,000 to $1,400 additional every year, depending on your age. Insurance for high-risk drivers can cost as much as 41% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $140 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Nissan Xterra insurance prices. A 40-year-old driver could pay as low as $620 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,160 on average in Louisiana, New York, and Michigan.

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 Buy the Cheapest Nissan Xterra Insurance

Finding cheaper rates on car insurance not only requires not taking risks behind the wheel, but also having good credit, paying for small claims out-of-pocket, and possibly raising deductibles. Set aside time to compare rates once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following is a recap of the data that was covered above.

• You may be able to save approximately $80 per year just by quoting online in advance
• Policyholders who want higher liability limits will pay an extra $490 per year to go from a 30/60 limit to higher 250/500 limits
• Teens are expensive to insure, with premiums being up to $283 each month if they have full coverage
• Higher risk drivers that have major violations or accidents could be forced to pay on average $920 more annually for Xterra insurance