Nissan Xterra Insurance Rates

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

Average premium for full coverage: $808

Policy rates broken down by type of insurance:

Estimates include $500 comprehensive and collision deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and for all Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a large influence on car insurance rates. More rural locations are shown to have fewer collision claims than densely populated cities. The example below illustrates the difference between rural and urban areas on insurance prices.

The examples above demonstrate why everyone should get quotes for a targeted area and their own personal driving habits, rather than using average rates.

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

Additional Rate Information

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

• The best discount rate is $511
• Choosing higher $1,000 deductibles can save approximately $46 annually
• The estimated rate for a good driver age 40 who has $500 deductibles is $808
• Using pricier low deductibles for comp and collision coverage costs an additional $88 each year
• Drivers who are prone to accidents and violations could pay up to $1,730
• Policy cost with full coverage for a teenage driver for full coverage can cost as much as $3,396 each year

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Insurance rates for a Nissan Xterra also range considerably based on the model year and trim level, your driving record, and liability limits and deductibles.

A more mature driver with a clean driving record and high physical damage deductibles may only pay around $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $3,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you may be forking out $1,000 to $1,400 extra every year, depending on your age. Nissan Xterra insurance for high-risk drivers ranges around 41% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $140 a year, whereas buying more liability protection will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Nissan Xterra insurance rates. A good driver about age 40 could pay as low as $590 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,100 on average in New York, Michigan, and Florida.

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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 Low Cost Nissan Xterra Insurance

Finding cheaper rates on auto insurance takes having a decent driving record, having a good credit history, not filing small claims, and deciding if full coverage is necessary. Set aside time to compare rates every couple of years by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The following items are a review of the material that was covered above.

• Consumers who want additional liability coverage will pay an extra $490 every year to raise limits from a 30/60 limit to higher 250/500 limits
• 16 to 18-year-old drivers are charged the highest rates, as much as $283 each month including comprehensive and collision insurance
• Drivers who have several accidents or serious violations pay on average $920 more annually than a driver with a clean driving record
• Increasing comprehensive and collision deductibles could save up to $125 each year