Nissan Xterra Insurance Rates

Estimated insurance prices for a Nissan Xterra are $808 every 12 months for full coverage. Comprehensive costs around $110 a year, collision insurance costs $98, and liability coverage costs $442. Liability-only insurance costs as little as $496 a year, and high-risk driver insurance costs around $1,730. Teenage drivers pay the most at up to $3,396 a year.

Average premium for full coverage: $808

Premium estimates for type of coverage:

Full coverage includes $500 comprehensive and collision deductibles, liability limits of 30/60, and includes uninsured motorist and medical coverage. Rates include averaging for all states and Xterra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location has a large influence on auto insurance rates. Areas with sparse population are statistically proven to have more infrequent accident claims than densely populated cities. The diagram below illustrates how rural and urban location affects auto insurance rates.

These rate differences show why it is important to compare rates for a specific zip code and their own driving history, rather than using average rates.

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

Additional Rate Information

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

• The best discount rate is $511
• Drivers who choose higher $1,000 deductibles will pay about $762 a year
• The average price for a 40-year-old good driver using $500 deductibles is $808
• Using low $100 deductibles for comprehensive and collision insurance increases the price to $896
• High-risk insureds who are prone to accidents and violations could pay at least $1,730
• An auto insurance policy to insure a teenage driver can be $3,396 a 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 driver profile, and the trim level and model year.

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

Older drivers with no violations or accidents and higher deductibles may only pay around $800 per year on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers should be prepared 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 could be paying at least $1,000 to $1,400 additional annually, depending on your age. A high-risk auto insurance policy can cost around 41% to 137% more than a normal policy. View High Risk Driver Rates

Where you choose to live 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 be forced to pay as much as $1,160 on average in Michigan, Louisiana, and New York.

View Chart as Image

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 More Affordable Nissan Xterra Insurance

Finding better rates on auto insurance not only requires having a decent driving record, but also having above-average credit, not filing small claims, and deciding if full coverage is necessary. Set aside time to shop around once a year by quoting rates from direct carriers, and also from local exclusive and independent agents.

The following items are a summary of the data that was raised in the charts and tables above.

• Drivers can save up to $80 per year just by quoting early and online
• Consumers who may need additional liability coverage will pay an extra $490 each year to go from 30/60 bodily injury limits to a 250/500 level
• 16 to 18-year-old drivers are charged the highest prices, as much as $283 per month if full coverage is included
• Drivers who have multiple accidents or major violations may pay on average $920 more every year than a driver with a clean driving record