Nissan Xterra Insurance Rates

The average insurance prices for a Nissan Xterra are $808 every 12 months including full coverage. Comprehensive costs on average $110, collision costs $98, and liability is $442. Liability-only coverage costs around $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:

Full coverage includes $500 deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Prices are averaged for all 50 U.S. states and for different Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance rates. Rural areas are shown to have more infrequent comprehensive and collision claims than cities with more traffic congestion.

The price range example below illustrates the difference location can make on car insurance rates.

The examples above highlight why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, instead of making a decision based on averaged prices.

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

More Rate Information

The chart below breaks down estimated Nissan Xterra insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $511
• Raising to $1,000 deductibles will save around $46 every year
• The average price for a good driver age 40 with $500 deductibles is $808
• Selecting more expensive low deductibles increases the price to $896
• Drivers with serious driving violations could pay upwards of $1,730 or more
• Policy cost to insure a 16-year-old driver with full coverage may cost $3,396

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $140 annually, while increasing your policy's liability limits will cost you more. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as low as $800 every 12 months on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers should be prepared to pay upwards of $3,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying at a minimum $1,000 to $1,400 additional every year, depending on your age. High-risk driver insurance is expensive and can cost from 41% to 137% more than the average policy. View High Risk Driver Rates

Your home state also has a big influence on Nissan Xterra insurance prices. A middle-age driver might find rates 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

Because rates have so much variability, the best way to figure out exactly what you will pay is to compare rates from multiple companies. Every auto insurance company calculates rates differently, and rates will be varied.

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 Shop for More Affordable Nissan Xterra Insurance

Finding cheaper rates on insurance for a Nissan Xterra consists of not taking risks behind the wheel, having above-average credit, paying for small claims out-of-pocket, and insuring your home and auto with the same company. Make time to compare rates at every policy renewal by requesting rates from direct car insurance companies, and also from your local independent and exclusive agents.

The following is a summary of the data touched on in this article.

• Insureds who require higher liability limits will pay approximately $490 per year to raise from a 30/60 limit to a 250/500 level
• You may be able to save as much as $80 per year simply by shopping early and online
• Increasing comprehensive and collision deductibles could save as much as $125 each year
• Teens pay higher rates, with premiums being up to $283 each month if full coverage is included