Nissan Xterra Insurance Rates

The average auto insurance rates for a Nissan Xterra are $808 annually including full coverage. Comprehensive insurance costs on average $110 each year, collision costs $98, and liability insurance is estimated at $442. A liability-only policy costs approximately $496 a year, with high-risk insurance costing $1,730 or more. 16-year-old drivers cost the most to insure at $3,396 a year or more.

Average premium for full coverage: $808

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on car insurance rates. Rural areas are shown to have fewer comprehensive and collision claims than congested cities.

The graphic below illustrates how rural and urban location affects car insurance rates.

The examples above highlight why all drivers should get quotes based on a specific location and their own personal driving habits, rather than relying on rate averages.

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

Additional Rate Information

The chart below breaks down estimated Nissan Xterra insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $511
• Choosing higher $1,000 deductibles can save around $46 every year
• The estimated rate for a good driver age 40 with $500 deductibles is $808
• Buying low deductibles for comp and collision coverage costs an additional $88 a year
• High-risk insureds with multiple tickets or accidents could pay upwards of $1,730 or more
• Policy cost with full coverage for a teen driver may cost $3,396 each year

View Chart as Image

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

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are highest for teenagers, where even without any violations or accidents they will be charged upwards of $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 at a minimum $1,000 to $1,400 extra every year, depending on your age. Insurance for high-risk drivers ranges anywhere from 41% to 137% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $140 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Nissan Xterra insurance rates. A good driver about age 40 could pay as low as $620 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,160 on average in Michigan, New York, and Louisiana.

View Chart as Image

Because rates have so much variability, the best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each auto insurer utilizes a different rate formula, so rate quotes 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 the Best Nissan Xterra Insurance

Finding cheaper rates on Nissan Xterra insurance takes being safe and accident-free, having a good credit score, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to shop around at least once a year by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a brief recap of the primary concepts that were raised in the charts and tables above.

• You may be able to save as much as $80 per year simply by quoting online in advance
• High-risk drivers who tend to receive serious violations pay on average $920 more each year than a low-risk driver
• Increasing comprehensive and collision deductibles could save up to $125 each year
• Youthful drivers are expensive to insure, with premiums being up to $283 each month if comprehensive and collision insurance is included