Nissan Xterra Insurance Rates

Average insurance rates for a Nissan Xterra are $808 a year including full coverage. Comprehensive costs approximately $110, collision insurance costs $98, and liability costs $442. A policy with just liability insurance costs as little as $496 a year, and coverage for high-risk drivers costs around $1,730. Teens receive the highest rates at up to $3,396 a year.

Average premium for full coverage: $808

Rate estimates by individual coverage type:

These estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes uninsured motorist and medical coverage. Rates are averaged for all 50 U.S. states and for all Xterra models.

Price Range by Coverage and Risk

Price Range by Location

Your location can make a big difference on car insurance prices. Rural locations tend to have a lower frequency of comprehensive and collision claims than cities with more traffic congestion. The example below illustrates how geographic area affects auto insurance prices.

These examples highlight why everyone should compare rates using their specific location and risk profile, instead of making a decision based on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $511
• Drivers who choose higher $1,000 deductibles will pay $46 every year
• The average rate for a 40-year-old driver who chooses $500 deductibles is $808
• Selecting pricier low deductibles for comprehensive and collision insurance will increase the cost to $896
• Drivers with serious driving violations could pay around $1,730
• The cost for full coverage for a 16-year-old driver for full coverage can cost $3,396 a year

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Insurance rates for a Nissan Xterra can also vary considerably based on your driver profile, the model of your Xterra, and physical damage deductibles and liability limits.

A more mature driver with no violations or accidents and high deductibles may pay as low as $800 per year on average for full coverage. Rates are much higher for teen drivers, where even good drivers should be prepared to pay in the ballpark of $3,300 a year. View Rates by Age

Where you live 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 have to pay at least $1,160 on average in Louisiana, New York, and Michigan.

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Choosing higher comprehensive and collision insurance deductibles could save up to $140 annually, whereas buying more liability protection will push rates upward. Changing from a 50/100 limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are likely paying anywhere from $1,000 to $1,400 additional per year, depending on your age. Nissan Xterra insurance for high-risk drivers can cost from 41% to 137% more than the average policy. View High Risk Driver Rates

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 Cheap Nissan Xterra Insurance

Saving money on insurance for a Nissan Xterra not only requires being a low-risk driver, but also having a good credit history, not filing small claims, and consideration of higher deductibles. Invest the time to compare rates every time your policy renews by getting rate quotes from direct car insurance companies like GEICO and Progressive, and also from insurance agencies where you live.

The items below are a brief summary of the information presented in the illustrations above.

• You may be able to save around $80 per year just by quoting online well ahead of the renewal date
• Teen drivers are the costliest to insure, as much as $283 per month including comprehensive and collision insurance
• Increasing deductibles can save around $125 each year
• Drivers considered higher risk that tend to have accidents or serious violations could be forced to pay on average $920 more per year to insure their Xterra
• Insureds who purchase more liability coverage will pay approximately $490 per year to go from a minimum limit to 250/500 limits