Nissan Xterra Insurance Rates

Estimated insurance prices for a Nissan Xterra are $808 every 12 months for full coverage insurance. Comprehensive costs around $110 a year, collision costs $98, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, with high-risk coverage costing around $1,730. Teenage drivers pay the most at $3,396 a year or more.

Average premium for full coverage: $808

Premium estimates for type of coverage:

Price estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all 50 states and Xterra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have more infrequent physical damage claims than densely populated cities.

The diagram below illustrates how location impacts auto insurance rates.

These rate differences illustrate why it is important to get quotes for a specific zip code and their own driving history, instead of making a decision based on average rates.

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

Additional Charts and Tables

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

• The best discount rate is $511
• Choosing higher $1,000 deductibles can save about $762 each year
• The average price for a 40-year-old good driver using $500 deductibles is $808
• Using low $100 deductibles for comp and collision coverage increases the price to $896
• Higher-risk drivers who are prone to accidents and violations could pay at least $1,730 or more
• An auto insurance policy to insure a 16-year-old driver can be $3,396 each year

View Chart as Image

Insurance prices for a Nissan Xterra also have a wide range based on physical damage deductibles and liability limits, your risk profile, and the trim level and model year.

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

Older drivers with a clean driving record and higher deductibles may pay as low as $800 annually on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers can expect to pay as much as $3,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are probably paying at least $1,000 to $1,400 extra annually, depending on your age. A high-risk auto insurance policy ranges from 41% to 137% more than a normal policy. View High Risk Driver Rates

Where you choose to live 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 Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,100 on average in Michigan, New York, and Florida.

View Chart as Image

With such a large range in prices, the only way to figure out your exact price is to get quotes from multiple companies. Each auto insurer uses a different method to calculate prices, so the prices will be substantially different.

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 Shop for Cheaper Nissan Xterra Insurance

Finding better rates on insurance for a Nissan Xterra takes being a good driver, having good credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Spend time shopping around every time your policy renews by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

The following list is a condensed summary of the information touched on above.

• It is possible to save up to $80 per year simply by quoting early and online
• Drivers age 16 to 20 pay higher prices, with premiums being up to $283 per month if they have full coverage
• Increasing policy deductibles could save as much as $125 each year
• Drivers considered higher risk with multiple at-fault accidents may pay on average $920 more every year than a safer driver
• Insureds who may need an increased level of liability coverage will pay an extra $490 annually to raise limits from 30/60 bodily injury limits to a 250/500 level