Nissan Xterra Insurance Rates

U.S. average auto insurance rates for a Nissan Xterra are $808 annually including full coverage. Comprehensive costs an estimated $110, collision insurance costs $98, and liability costs around $442. Buying just liability costs as low as $496 a year, and insurance for high-risk drivers costs around $1,730. Teenage drivers pay the highest rates at up to $3,396 a year.

Average premium for full coverage: $808

Price estimates broken down by individual coverage:

Rates are based on $500 deductibles, liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Xterra trim levels.

Price Range from Low to High

Geographic Price Range

Where you live can have significant affects on the price of auto insurance. More rural locations have fewer comprehensive and collision claims than densely populated cities. The price range example below illustrates how location helps determine insurance prices.

The ranges above highlight why anyone shopping for car insurance should compare prices for a targeted area and their own personal driving habits, instead of using average rates.

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

Additional Charts and Tables

The chart below breaks down average Nissan Xterra insurance rates for other coverage scenarios.

• The best discount rate is $511
• Using higher $1,000 deductibles will save approximately $46 every year
• The estimated rate for the average middle-age driver who has $500 deductibles is $808
• Using more expensive low deductibles for physical damage coverage will cost $896
• Drivers who are prone to accidents and violations could pay up to $1,730
• The price with full coverage for a teen driver with full coverage can cost as much as $3,396 or more

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Insurance prices for a Nissan Xterra are also quite variable based on the trim level and model year, your driving characteristics, and liability limits and deductibles.

An older driver with no violations or accidents and high physical damage deductibles may pay as little as $800 a year for full coverage. Prices are much higher for teenage drivers, where even without any violations or accidents they should be prepared to pay at least $3,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are likely paying $1,000 to $1,400 additional each year, depending on your age. High-risk driver insurance can be as much as 41% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut prices by as much as $140 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

The state you live in has a huge impact on Nissan Xterra insurance prices. A driver around age 40 might see prices as low as $620 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,160 on average in Louisiana, New York, and Michigan.

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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 Buy the Best Cheap Nissan Xterra Insurance

Getting lower rates on car insurance requires not taking risks behind the wheel, having good credit, being claim-free, and possibly raising deductibles. Invest time comparing rates once a year by obtaining price quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from insurance agencies where you live.

The following is a quick review of the data that was covered in the charts and tables above.

• You may be able to save approximately $80 per year just by shopping early and online
• Policyholders who want higher liability limits will pay an extra $490 per year to increase from a low limit to higher 250/500 limits
• Teens are expensive to insure, possibly costing $283 a month if they have full coverage
• Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $920 more annually for Xterra insurance