Nissan Xterra Insurance Rates

The 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 coverage costs $442. Buying just liability costs as little as $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 by type of insurance:

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all states and Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location has a large influence on car insurance rates. Rural areas are shown to have lower incidents of accident claims than cities with more traffic congestion.

The diagram below illustrates the effect of geographic area on car insurance rates.

The examples above show why it is important to compare rates based on a specific location, rather than using averaged prices.

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

Additional Rate Details

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

• The cheapest rate after discounts is $511
• Drivers who choose higher $1,000 deductibles will pay around $762 a year
• The estimated price for a good driver age 40 with $500 deductibles is $808
• Selecting low $100 deductibles for comprehensive and collision insurance will cost an additional $88 each year
• High-risk insureds with serious driving violations could pay upwards of $1,730 or more
• Policy cost that insures a teenage driver may cost $3,396 a year

View Chart as Image

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

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,000 to $1,400 extra every year, depending on your age. A high-risk auto insurance policy can cost around 41% to 137% more than the average policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $800 per year 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 upwards of $3,300 a year. View Rates by Age

Your home state makes a big difference in Nissan Xterra insurance rates. A 40-year-old driver 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 could save up to $140 a year, while buying higher liability limits will cost you more. 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 exactly what you will pay is to get quotes and see how they stack up. Every company 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 Right Nissan Xterra Insurance

Finding cheaper rates on auto insurance not only requires being safe and accident-free, but also having above-average credit, avoid buying unnecessary coverage, and bundling your home and auto policies. Compare rates every time your policy renews by getting price quotes from direct carriers, and also from local exclusive and independent agents.

Below you'll find a quick rundown of the information covered in the above illustrations.

• Drivers can save as much as $80 per year simply by quoting early and online
• Youthful drivers pay the highest rates, costing up to $283 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save approximately $125 each year
• Drivers with reckless driving or DUI convictions may pay on average $920 more each year than a low-risk driver
• Consumers who require more liability protection will pay approximately $490 each year to go from a 30/60 limit to the 250/500 level