Nissan Xterra Insurance Rates

U.S. average insurance rates for a Nissan Xterra are $808 a year including full coverage. Comprehensive insurance costs around $110, collision costs $98, and liability insurance is $442. Liability-only coverage costs around $496 a year, with high-risk coverage costing $1,730 or more. Teens pay the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Price estimates for individual coverage:

Prices include $500 policy deductibles, minimum liability limits, and includes uninsured motorist and medical 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

Choosing to live in a large city has a significant impact on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

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

The ranges above highlight why anyone shopping for car insurance should compare rates quotes for a specific zip code, rather than relying on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $511
• Raising to $1,000 deductibles will save about $46 every year
• The estimated price for the average middle-age driver using $500 deductibles is $808
• Selecting more expensive low deductibles will cost an additional $88 a year
• Higher-risk drivers with serious driving violations could pay at least $1,730 or more
• The price that insures a teen driver with full coverage can be $3,396

View Chart as Image

Auto insurance prices for a Nissan Xterra are also quite variable based on the model year and trim level, your driving record and age, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you are likely paying at least $1,000 to $1,400 in extra premium each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 41% to 137% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $800 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records will have to pay as much as $3,300 a year. View Rates by Age

The state you live in also has a big influence on Nissan Xterra insurance rates. A middle-age driver might find prices as low as $620 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,160 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $140 each year, while increasing your policy's liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out your exact price is to compare prices from as many companies as possible. Every auto insurance company calculates prices differently, and quoted prices may be quite 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 Find the Right Nissan Xterra Insurance

Getting lower rates on Nissan Xterra insurance consists of avoiding accidents and claims, maintaining a good credit score, being claim-free, and maximizing policy discounts. Compare rates every couple of years by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The points below are a quick rundown of the material that was touched on above.

• Drivers who may need increased liability limits will pay approximately $490 per year to raise from a low limit to the 250/500 level
• Drivers under the age of 20 are expensive to insure, possibly costing $283 a month if the policy includes full coverage
• High-risk drivers with reckless driving or DUI convictions may have to pay on average $920 more every year to insure a Nissan Xterra
• Increasing physical damage deductibles can save approximately $125 each year