Nissan Xterra Insurance Rates

Average insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive costs an estimated $110, collision costs $98, and liability costs around $442. Buying just liability costs as low as $496 a year, with insurance for high-risk drivers costing around $1,730. 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:

These estimates include $500 policy deductibles, liability coverage up to 30/60, and includes both medical and uninsured motorist insurance. Rates are averaged for all 50 states and for different Xterra trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of insurance. More rural locations tend to have a lower frequency of physical damage claims than congested cities.

The price range example below illustrates the difference between rural and urban areas on insurance prices.

These examples illustrate why anyone shopping for car insurance should compare prices for a targeted area and risk profile, instead of using rate averages.

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

Additional Rate Details

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

• The best full coverage rate is $511
• Using higher $1,000 deductibles will save approximately $46 each year
• The average rate for a 40-year-old driver who has $500 deductibles is $808
• Buying more expensive low deductibles for physical damage coverage will increase the cost to $896
• Drivers with multiple tickets or accidents could pay up to $1,730 or more
• The cost for full coverage for a teen driver with full coverage can cost as much as $3,396 or more

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Auto insurance rates for a Nissan Xterra can also vary considerably based on your driver profile, the model year and trim level, and liability limits and deductibles.

An older driver with a good driving record and high deductibles may pay as little as $800 a year for full coverage. Rates are highest for teen drivers, where even good drivers will have to pay at least $3,300 a year. View Rates by Age

Where you live has a huge impact on Nissan Xterra insurance prices. A driver around age 40 might see rates as low as $530 a year in states like North Carolina, Wisconsin, and Vermont, or at least $1,100 on average in Florida, New York, and Michigan.

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Opting for high physical damage deductibles could cut rates by as much as $140 every year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you are probably paying $1,000 to $1,400 in extra premium per year, depending on your age. High-risk driver insurance can be as much as 41% to 137% more than the average rate. View High Risk Driver Rates

With so much variability in rates, the only way to figure out which company is cheapest is to compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, and quoted rates can be significantly different from one company to the next.

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 Cheap Nissan Xterra Insurance

Saving money on car insurance requires being safe and accident-free, having good credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to compare rates every time your policy renews by requesting quotes from direct insurance companies like GEICO and Progressive, and also from several local insurance agents.

Below you'll find a brief summary of the information covered above.

• It is possible to save approximately $80 per year simply by shopping early and online
• Youthful drivers are the costliest to insure, costing up to $283 per month if they have full coverage
• Increasing deductibles can save around $125 each year
• Higher risk drivers that tend to have accidents or serious violations pay on average $920 more annually than a low-risk driver
• Policyholders who want more liability protection will pay around $490 annually to increase from a minimum limit to 250/500 limits