Nissan Xterra Insurance Rates

The average insurance prices for a Nissan Xterra are $808 every 12 months including full coverage. Comprehensive insurance costs approximately $110, collision costs $98, and liability coverage costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing $1,730 or more. Teen 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:

Includes $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for all 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 more infrequent comprehensive and collision claims than larger metro areas.

The example below illustrates how where you live affects auto insurance prices.

The examples above highlight why everyone should compare rates using their specific location and their own driving history, rather than using price averages.

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

More Rate Information

The chart below breaks down estimated Nissan Xterra insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $511
• Drivers who choose higher $1,000 deductibles will pay $46 every year
• The average price for a good driver age 40 who chooses $500 deductibles is $808
• Choosing pricier low deductibles for comprehensive and collision insurance costs an extra $88 each year
• High-risk insureds with multiple violations and an at-fault accident could pay around $1,730 or more
• Policy cost to insure a teenage driver for full coverage can cost $3,396 a year

View Chart as Image

Auto insurance rates for a Nissan Xterra also range considerably based on liability limits and deductibles, your driving characteristics, and the model of your Xterra.

Choosing high deductibles could save up to $140 a year, whereas buying more liability protection will push rates upward. Changing 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

A more mature driver with a good driving record and higher deductibles may only pay around $800 per year on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay in the ballpark 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 likely paying anywhere from $1,000 to $1,400 in extra premium every year, depending on your age. Nissan Xterra insurance for high-risk drivers can cost around 41% to 137% more than average. View High Risk Driver Rates

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 as much as $1,160 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to regularly compare rates and see how they stack up. Every company uses a different rate calculation, and quoted rates will be varied.

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 the Cheapest Nissan Xterra Insurance

Finding cheaper rates on auto insurance not only requires avoiding accidents and violations, but also having a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Take the time to comparison shop every couple of years by getting rate quotes from direct car insurance companies, and also from your local car insurance providers.

The list below is a recap of the material that was touched on in the above illustrations.

• Consumers who purchase higher liability limits will pay about $490 per year to go from a 30/60 limit to a 250/500 level
• Teenagers have the highest car insurance rates, with premiums being up to $283 each month if comprehensive and collision insurance is included
• Drivers that have major violations or accidents could be charged and average of $920 more per year for car insurance
• Increasing comprehensive and collision deductibles could save as much as $125 each year