Nissan Xterra Insurance Rates

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

Average premium for full coverage: $808

Price estimates by individual coverage:

Includes $500 deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Estimates are averaged for all states and Xterra trim levels.

Price Range from Low to High

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural areas have a lower frequency of accident claims than densely populated cities.

The diagram below illustrates how rural and urban location affects car insurance rates.

The ranges above show why it is important to compare rates quotes based on a specific location and risk profile, instead of using average rates.

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

Rates by State, City, and Model

The chart below shows estimated Nissan Xterra insurance rates for different risk profiles and scenarios.

• The best discount rate is $511
• Raising to $1,000 deductibles will save around $762 a year
• The average rate for the average middle-age driver with $500 deductibles is $808
• Using low $100 deductibles will cost an extra $88 every year
• At-risk drivers who are prone to accidents and violations could pay upwards of $1,730 or more
• The price for full coverage for a teen driver may cost $3,396

View Chart as Image

Insurance prices for a Nissan Xterra are also quite variable based on your driving record, the trim level of your Xterra, and policy deductibles and limits.

Older drivers with no violations or accidents and high deductibles may pay as little as $800 every 12 months on average for full coverage. Prices are much higher for teenage drivers, where even good drivers should be prepared to pay upwards of $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 Idaho, Maine, and Iowa, or be forced to pay as much as $1,160 on average in Michigan, Louisiana, and New York.

View Chart as Image

Using high physical damage deductibles can reduce prices by up to $140 every year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you could be paying at a minimum $1,000 to $1,400 additional each year, depending on your age. A high-risk auto insurance policy is expensive and can cost as much as 41% to 137% more than a normal policy. View High Risk Driver Rates

Since prices can be so different, the only way to know exactly what you will pay is to get quotes and see which company has the best price. Every auto insurance company uses a different method to calculate prices, and 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 Cheapest Nissan Xterra Insurance

Getting lower rates on car insurance consists of not taking risks behind the wheel, having a good credit history, eliminating unnecessary coverage, and insuring your home and auto with the same company. Set aside time to shop around every year by getting rate quotes from direct carriers like Progressive and GEICO, and also from your local insurance agents.

The following is a recap of the coverage data raised in the charts and tables above.

• Drivers can save as much as $80 per year simply by quoting early and online
• Increasing physical damage deductibles can save around $125 each year
• Teens pay higher prices, with premiums as much as $283 a month including comprehensive and collision insurance
• Higher risk drivers that have major violations or accidents will pay on average $920 more each year for Xterra insurance