Nissan Xterra Insurance Rates

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

Average premium for full coverage: $808

Policy rates broken down by type of insurance:

Prices are based on $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes medical and uninsured motorist coverage. Prices are averaged for all 50 states and for different Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. More rural locations are shown to have fewer physical damage claims than larger metro areas.

The price range example below illustrates the effect of geographic area on insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare rates for a targeted area and their own personal driving habits, rather than relying on price averages.

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

Detailed Rate Analysis

The chart below illustrates estimated Nissan Xterra insurance rates for other coverage scenarios.

• The lowest rate with discounts is $511
• Drivers who choose higher $1,000 deductibles will pay approximately $46 each year
• The estimated rate for a good driver age 40 who has $500 deductibles is $808
• Choosing more expensive low deductibles for comprehensive and collision insurance costs an additional $88 a year
• High risk drivers with multiple violations and an at-fault accident could pay up to $1,730 or more
• Policy cost with full coverage for a teen driver with full coverage 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 risk profile, and liability limits and deductibles.

An older driver with no violations or accidents and high physical damage deductibles could pay as little as $800 per year on average, or $67 per month, for full coverage. Rates are highest 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 probably paying $1,000 to $1,400 additional every year, depending on your age. High-risk driver insurance can cost anywhere from 41% to 137% more than average. View High Risk Driver Rates

Choosing high deductibles could save up to $140 each year, while increasing your policy's liability limits will increase premiums. Switching 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 rates. A 40-year-old driver could pay as low as $530 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,100 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Every company uses a different rate calculation, and rates will be varied between companies.

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 Affordable Nissan Xterra Insurance

Finding cheaper rates on Nissan Xterra insurance not only requires being a low-risk driver, but also having good credit, being claim-free, and maximizing policy discounts. Take the time to compare rates every other policy renewal by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The items below are a brief review of the ideas that were covered in the above illustrations.

• Teen drivers are expensive to insure, possibly costing $283 each month if they have full coverage
• High-risk drivers with DUI or reckless driving convictions may pay on average $920 more annually to insure their Xterra
• Increasing comprehensive and collision deductibles could save up to $125 each year
• It is possible to save approximately $80 per year simply by shopping early and online