Nissan Xterra Insurance Rates

Average insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive costs an estimated $110, collision insurance costs $98, and liability is $442. A policy with just liability insurance costs around $496 a year, and coverage for high-risk drivers costs around $1,730. Teenage drivers receive the highest rates at up to $3,396 a year.

Average premium for full coverage: $808

Rate estimates broken down by individual coverage type:

Full coverage includes $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for all Xterra models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on the price of insurance. More rural locations tend to have lower incidents of physical damage claims than densely populated cities. The example below illustrates how where you live affects insurance prices.

These examples illustrate why everyone should compare rates quotes for a targeted area, instead of using average rates.

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

Rate Comparisons

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

• The best discount rate is $511
• Raising to $1,000 deductibles will save approximately $46 each year
• The estimated price for a 40-year-old driver who has $500 deductibles is $808
• Using pricier low deductibles bumps up the cost to $896
• At-risk drivers who are prone to accidents and violations could pay up to $1,730
• The cost that insures a teen driver for full coverage can cost as much as $3,396

View Chart as Image

Insurance rates for a Nissan Xterra can also vary considerably based on the model of your Xterra, your age and driving record, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you are probably paying $1,000 to $1,400 additional per year, depending on your age. Nissan Xterra insurance for high-risk drivers is expensive and can cost as much as 41% to 137% more than a normal policy. View High Risk Driver Rates

A more mature driver with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $800 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records should be prepared to pay at least $3,300 a year. View Rates by Age

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

View Chart as Image

Using high physical damage deductibles can reduce rates by up to $140 every year, whereas buying more liability protection will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 more each 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 More Affordable Nissan Xterra Insurance

Saving money on car insurance consists of having a decent driving record, having a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Compare prices at least once a year by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a summary of the primary concepts that were touched on in the above illustrations.

• It is possible to save approximately $80 per year just by quoting online well ahead of the renewal date
• Higher risk drivers who have multiple accidents or major violations may have to pay on average $920 more annually than a driver with a clean driving record
• Increasing deductibles can save approximately $125 each year
• 16 to 18-year-old drivers are expensive to insure, costing up to $283 per month if comprehensive and collision insurance is included