Nissan Xterra Insurance Rates

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

Includes $500 deductibles, 30/60 split liability limits, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 U.S. states and Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates the difference between rural and urban areas on auto insurance prices.

The examples above highlight why all drivers should compare rates using their specific location, rather than using averaged prices.

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

Rate Comparisons

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 estimated price for a good driver age 40 who chooses $500 deductibles is $808
• Selecting low deductibles for comprehensive and collision insurance will cost an additional $88 each year
• High-risk insureds with serious driving violations could pay around $1,730
• Policy cost that insures a teenage driver can cost $3,396 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,000 to $1,400 extra every year, depending on your age. Insurance for high-risk drivers can cost around 41% to 137% more than the average policy. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $800 per year on average, 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 makes a big difference in Nissan Xterra insurance rates. 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.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could save up to $140 a year, whereas increasing liability limits will push rates upward. Changing 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 the Cheapest Nissan Xterra Insurance

Finding cheaper rates on auto insurance not only requires not taking risks behind the wheel, but also having above-average credit, paying for small claims out-of-pocket, and possibly raising deductibles. Compare rates at least every other year by getting quotes from direct car insurance companies, and also from local auto insurance providers.

The following is a recap of the car insurance concepts covered above.

• Drivers that have major violations or accidents will likely pay on average $920 more per year for Xterra insurance
• You may be able to save around $80 per year just by quoting online in advance
• Increasing comprehensive and collision deductibles can save approximately $125 each year
• Consumers who purchase higher liability limits will pay approximately $490 per year to go from a 30/60 limit to the 250/500 level