Nissan Xterra Insurance Rates

The average auto insurance rates for a Nissan Xterra are $808 annually with full coverage. Comprehensive costs approximately $110 each year, collision costs $98, and liability costs $442. Liability-only coverage costs as little as $496 a year, with high-risk coverage costing around $1,730. 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 comprehensive and collision deductibles, split liability limits of 30/60, and includes UM/UIM and medical coverage. Prices are averaged for all U.S. states and Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on the price of insurance. Rural locations are shown to have fewer collision claims than cities with more traffic congestion.

The graphic below illustrates how location helps determine auto insurance prices.

The examples above demonstrate why all drivers should compare rates using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Rates by State, City, and Model

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

• The cheapest rate after discounts is $511
• Drivers who choose higher $1,000 deductibles will pay $46 annually
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $808
• Selecting low deductibles for comprehensive and collision insurance will cost $896
• Drivers with serious driving violations could pay around $1,730 or more
• Policy cost with full coverage for a 16-year-old driver can cost $3,396 a year

View Chart as Image

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

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they should be prepared 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 may be forking out anywhere from $1,000 to $1,400 additional every year, depending on your age. Insurance for high-risk drivers can cost from 41% to 137% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $140 annually, whereas increasing liability limits will push rates upward. Moving from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Nissan Xterra insurance prices. A 40-year-old driver could pay as low as $590 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,100 on average in New York, Michigan, and Florida.

View Chart as Image

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to do a rate comparison from multiple companies. Every company calculates rates differently, and 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 insurance for a Nissan Xterra not only requires avoiding accidents and violations, but also having good credit, not filing small claims, and qualifying for all possible discounts. Invest time comparing rates at least once a year by obtaining price quotes from direct companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

The list below is a brief summary of the primary concepts that were covered in the charts and tables above.

• You may be able to save around $80 per year simply by quoting online in advance
• Drivers considered higher risk that tend to have accidents or serious violations may pay on average $920 more per year for car insurance
• Increasing comprehensive and collision deductibles could save up to $125 each year
• Teenagers are the costliest to insure, as much as $283 each month if they have full coverage