Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year for full coverage. Comprehensive costs approximately $110, collision insurance costs $98, and liability costs around $442. Buying just liability costs as low as $496 a year, and insurance for high-risk drivers costs around $1,730. 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:

Estimates include $500 physical damage insurance deductibles, liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for different Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on car insurance rates. Rural locations are shown to have lower incidents of accident claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above show why anyone shopping for car insurance should compare prices using their specific location, instead of using averaged prices.

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

More Rate Information

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

• The cheapest rate after discounts is $511
• Using higher $1,000 deductibles will save $46 a year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $808
• Selecting more expensive low deductibles for physical damage coverage bumps up the cost to $896
• Drivers with serious driving violations could pay around $1,730
• Policy cost that insures a teen driver with full coverage can cost $3,396 or more

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Insurance rates for a Nissan Xterra also range considerably based on the model year and trim level, how you drive, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you could be paying anywhere from $1,000 to $1,400 extra every year, depending on your age. High-risk driver insurance can be as much as 41% to 137% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay in the ballpark of $3,300 a year. View Rates by Age

Your home state has a huge impact on Nissan Xterra insurance prices. A driver around age 40 might see rates as low as $530 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,160 on average in New York, Louisiana, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $140 every year, while increasing your policy's liability limits will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more per 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

Finding cheaper rates on car insurance requires being a low-risk driver, having above-average credit, avoid buying unnecessary coverage, and possibly raising deductibles. Compare rates once a year by obtaining price quotes from direct carriers, and also from insurance agencies where you live.

The items below are a review of the data that was covered above.

• Drivers can save around $80 per year just by shopping early and online
• Policyholders who purchase more liability coverage will pay approximately $490 each year to increase from a 30/60 limit to the 250/500 level
• Teen drivers are expensive to insure, costing up to $283 each month if full coverage is included
• Higher risk drivers who have several accidents or serious violations could be forced to pay on average $920 more per year to insure their Xterra