Nissan Xterra Insurance Rates

The average insurance prices for a Nissan Xterra are $808 every 12 months for full coverage insurance. Comprehensive costs on average $110, collision insurance costs $98, and liability costs around $442. Liability-only insurance costs as low as $496 a year, and high-risk driver insurance costs around $1,730. 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:

Price estimates include $500 comprehensive and collision deductibles, liability coverage up to 30/60, and includes medical/PIP 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

Where you live can make a big difference on insurance rates. Rural areas are shown to have more infrequent physical damage claims than cities with more traffic congestion. The price range example below illustrates how rural and urban location affects car insurance rates.

The examples above illustrate why anyone shopping for car insurance should compare prices based on a specific location and their own driving history, instead of making a decision based on averaged prices.

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

Additional Charts and Tables

The chart below illustrates average Nissan Xterra insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $511
• Using higher $1,000 deductibles will save around $46 each year
• The average price for a good driver age 40 with $500 deductibles is $808
• Selecting more expensive low deductibles for physical damage coverage increases the price to $896
• High-risk insureds with serious driving violations could pay upwards of $1,730
• Policy cost to insure a 16-year-old driver with full coverage may cost $3,396 or more

View Chart as Image

Auto insurance rates for a Nissan Xterra also range considerably based on liability limits and deductibles, your risk profile, and the trim level of your Xterra.

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $140 annually, while increasing your policy's liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

An older driver with a good driving record and higher deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will have to pay upwards of $3,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying at a minimum $1,000 to $1,400 in extra premium every year, depending on your age. High-risk driver insurance can be from 41% to 137% more than the average policy. View High Risk Driver Rates

Your home state has a huge impact on Nissan Xterra insurance prices. A driver around age 40 might see rates as low as $530 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,100 on average in Michigan, New York, and Florida.

View Chart as Image

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 Shop for Cheaper Nissan Xterra Insurance

Finding cheaper rates on insurance for a Nissan Xterra requires having a decent driving record, having a good credit score, being claim-free, and deciding if full coverage is necessary. Set aside time to shop around every time your policy renews by getting quotes from direct insurance companies, and also from several local insurance agents.

The following items are a condensed summary of the information raised in the charts and tables above.

• It is possible to save as much as $80 per year just by shopping early and online
• 16 to 18-year-old drivers are charged the highest rates, possibly costing $283 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save as much as $125 each year
• Drivers considered higher risk with multiple at-fault accidents pay on average $920 more each year than a driver with a clean driving record
• Insureds who require additional liability coverage will pay approximately $490 annually to increase from a 30/60 limit to a 250/500 level