Nissan Xterra Insurance Rates

Average auto insurance rates for a Nissan Xterra are $808 annually including full coverage. Comprehensive insurance costs an estimated $110 each year, collision costs $98, and liability is estimated at $442. A policy with just liability insurance costs approximately $496 a year, with coverage for high-risk drivers costing $1,730 or more. 16-year-old drivers receive the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Rate estimates broken down by individual coverage type:

Prices are based on $500 policy deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 U.S. states and Xterra models.

Price Range by Coverage and Risk

Price Range by Location

Living in a larger city can have significant affects on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than congested cities.

The graphic below illustrates how location impacts insurance prices.

These examples highlight why all drivers should get quotes for a targeted area and their own personal driving habits, instead of using rate averages.

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

Additional Rate Details

The chart below breaks down estimated Nissan Xterra insurance rates for other coverage scenarios.

• The best full coverage rate is $511
• Choosing higher $1,000 deductibles can save approximately $46 every year
• The estimated rate for a 40-year-old driver who has $500 deductibles is $808
• Buying low deductibles for comp and collision coverage costs an additional $88 every year
• Unlucky drivers with multiple tickets or accidents could pay up to $1,730 or more
• The cost with full coverage for a teen driver can cost as much as $3,396 each year

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Insurance rates for a Nissan Xterra can also vary considerably based on the trim level of your Xterra, your driving characteristics, and liability limits and deductibles.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as little as $800 annually on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay at least $3,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you are likely paying $1,000 to $1,400 additional per year, depending on your age. Insurance for high-risk drivers ranges as much as 41% to 137% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $140 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

Where you live plays a big part in determining prices for Nissan Xterra insurance prices. A good driver about age 40 could pay as low as $620 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,160 on average in Louisiana, New York, and Michigan.

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With so much variability in rates, the best way to figure out which company is cheapest is to do a rate comparison and see which company has the best rate. Each auto insurer utilizes a different rate formula, and rates can be significantly different 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 Affordable Nissan Xterra Insurance

Saving money on car insurance takes being a good driver, having good credit, not filing small claims, and maximizing policy discounts. Spend time shopping around every couple of years by getting quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.

The following list is a brief review of the material that was touched on above.

• Policyholders who want an increased level of liability coverage will pay around $490 per year to raise limits from a minimum limit to higher 250/500 limits
• Drivers age 16 to 20 are expensive to insure, as much as $283 per month if they have full coverage
• Higher risk drivers with DUI or reckless driving convictions could be forced to pay on average $920 more annually than a safer driver
• Increasing deductibles could save up to $125 each year