Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year for full coverage. Comprehensive insurance costs around $110, collision costs $98, and liability is estimated at $442. Buying just liability costs approximately $496 a year, with insurance for high-risk drivers costing $1,730 or more. Teens cost the most to insure at $3,396 a year or more.

Average premium for full coverage: $808

Policy rates for type of insurance:

Includes $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Prices are averaged for all states and for different Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city can have significant affects on auto insurance rates. Areas with sparse population are shown to have lower incidents of accident claims than cities with more traffic congestion.

The price range example below illustrates how where you live affects auto insurance rates.

The examples above show why anyone shopping for car insurance should get quotes for a specific zip code, instead of using averaged prices.

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

More Rate Information

The chart below shows estimated Nissan Xterra insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $511
• Choosing higher $1,000 deductibles can save about $46 a year
• The estimated price for a good driver age 40 using $500 deductibles is $808
• Selecting more expensive low deductibles for comp and collision coverage will cost an additional $88 every year
• Unlucky drivers with serious driving violations could pay at least $1,730 or more
• Policy cost that insures a teen driver with full coverage can be $3,396 each year

View Chart as Image

Insurance rates for a Nissan Xterra also range considerably based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you could be paying at least $1,000 to $1,400 extra every year, depending on your age. High-risk driver insurance ranges as much as 41% to 137% more than the average policy. View High Risk Driver Rates

An older driver with a clean driving record and higher comprehensive and collision deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records can expect to pay as much as $3,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Nissan Xterra insurance prices. A good driver about age 40 could pay as low as $530 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,160 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $140 every year, while increasing your policy's liability limits will increase rates. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know your exact price is to compare rates and see which company has the best rate. Each auto insurer calculates rates differently, so the 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 Find the Cheapest Nissan Xterra Insurance

Finding cheaper rates on car insurance takes being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Compare rates every time your policy renews by requesting rates from direct carriers, and also from several local insurance agents.

Below is a recap of the information touched on in the above illustrations.

• Drivers can save up to $80 per year simply by shopping early and online
• Teenage drivers pay higher rates, costing up to $283 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save approximately $125 each year
• Higher risk drivers that have major violations or accidents pay on average $920 more every year for auto insurance
• Policyholders who may need higher levels of liability will pay approximately $490 each year to raise limits from a 30/60 limit to the 250/500 level