Nissan Xterra Insurance Rates

U.S. average insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive costs an estimated $110 a year, collision costs $98, and liability is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing around $1,730. Teens pay the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Price estimates broken down by individual coverage:

Rates are based on $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 states and Xterra trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can make a big difference on the price of insurance. More rural locations have a lower frequency of physical damage claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on insurance prices.

The ranges above illustrate why it is important to compare rates quotes for a targeted area and risk profile, instead of making a decision based on averaged prices.

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 cheapest rate after discounts is $511
• Raising to $1,000 deductibles will save approximately $762 each year
• The average rate for the average middle-age driver who has $500 deductibles is $808
• Selecting low $100 deductibles will increase the cost to $896
• Drivers with serious driving violations could pay up to $1,730 or more
• The price for full coverage for a 16-year-old driver can cost as much as $3,396

View Chart as Image

Auto insurance prices for a Nissan Xterra are also quite variable based on your driving record, the model year and trim level, and liability limits and deductibles.

Older drivers with a good driving record and high deductibles may pay as low as $800 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers will have to pay at least $3,300 a year. View Rates by Age

The state you live in also has a big influence on Nissan Xterra insurance prices. A middle-age driver might find prices as low as $530 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,100 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $140 annually, while buying higher liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are probably paying $1,000 to $1,400 in extra premium each year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 41% to 137% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes from multiple companies. Every auto insurance company calculates prices differently, and quoted prices may be quite different from one company to the next.

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 Best Cheap Nissan Xterra Insurance

Getting lower rates on insurance for a Nissan Xterra consists of having a decent driving record, having good credit, not filing small claims, and qualifying for all possible discounts. Take the time to compare rates every year by getting quotes from direct insurance companies like Progressive and GEICO, and also from several local insurance agents.

The following items are a quick review of the coverage data covered in the above illustrations.

• It is possible to save approximately $80 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $125 each year
• 16 to 18-year-old drivers are the costliest to insure, as much as $283 a month if they have full coverage
• Drivers considered higher risk with a DUI or reckless driving violation pay on average $920 more annually than a driver with a clean driving record