Nissan Xterra Insurance Rates

The average auto insurance rates for a Nissan Xterra are $808 annually for full coverage insurance. Comprehensive insurance costs approximately $110, collision costs $98, and liability coverage is $442. Liability-only insurance costs around $496 a year, with high-risk driver insurance 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:

These estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all 50 states and for different Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city has a large influence on the price of auto insurance. Rural locations are shown to have fewer physical damage claims than cities with more traffic congestion.

The price range example below illustrates how location impacts auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should compare rates quotes using their specific location and their own personal driving habits, rather than using averaged prices.

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

Rates by State, City, and Model

The chart below illustrates estimated Nissan Xterra insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $511
• Raising to $1,000 deductibles will save $46 each year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $808
• Selecting more expensive low deductibles costs an additional $88 each year
• Unlucky drivers with serious driving violations could pay around $1,730 or more
• Policy cost with full coverage for a teenage driver with full coverage can cost $3,396

View Chart as Image

Auto insurance rates for a Nissan Xterra also range considerably based on the model year and trim level, your risk profile, and physical damage deductibles and liability limits.

An older driver with a good driving record and high physical damage deductibles may only pay around $800 every 12 months on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will have to pay in the ballpark of $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 are probably paying anywhere from $1,000 to $1,400 in extra premium every year, depending on your age. High-risk driver insurance is expensive and can cost around 41% to 137% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $140 a year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

Your home state also has a big influence on Nissan Xterra insurance rates. A middle-age driver might find rates as low as $530 a year in states like North Carolina, Wisconsin, and Vermont, or have to pay at least $1,100 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates and see how they stack up. Every auto insurance company calculates rates differently, and quoted rates will be varied between companies.

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 Cheap Nissan Xterra Insurance

Finding cheaper rates on auto insurance consists of being a safe and courteous driver, having above-average credit, being claim-free, and not having any coverage lapses. Spend time shopping around every time your policy renews by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

Below is a brief summary of the information touched on above.

• It is possible to save around $80 per year simply by shopping early and online
• Teenage drivers have the highest car insurance rates, possibly costing $283 each month if full coverage is included
• Increasing comprehensive and collision deductibles could save up to $125 each year
• Drivers that tend to have accidents or serious violations could be forced to pay on average $920 more per year for auto insurance
• Consumers who purchase higher levels of liability will pay approximately $490 annually to raise from a 30/60 limit to higher 250/500 limits