Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive insurance costs on average $110, collision insurance costs $98, and liability insurance is estimated at $442. A liability-only policy costs approximately $496 a year, and high-risk insurance costs $1,730 or more. Teens cost the most to insure at up to $3,396 a year.

Average premium for full coverage: $808

Policy rates by type of insurance:

Prices are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 states and for different Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. Rural areas are shown to have a lower frequency of physical damage claims than cities with more traffic congestion. The price range example below illustrates how location helps determine car insurance rates.

The examples above illustrate why anyone shopping for car insurance should get quotes based on a specific location and risk profile, rather than relying on averaged prices.

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

Additional Charts and Tables

The chart below illustrates average Nissan Xterra insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $511
• Choosing higher $1,000 deductibles can save around $46 each year
• The average rate for a good driver age 40 with $500 deductibles is $808
• Selecting more expensive low deductibles for comp and collision coverage will cost an extra $88 a year
• High-risk insureds with serious driving violations could pay upwards of $1,730
• Policy cost for full coverage for a teen driver with full coverage may cost $3,396 each year

View Chart as Image

Car insurance rates for a Nissan Xterra also range considerably based on your risk profile, the model year and trim level, and policy deductibles and limits.

An older driver with no driving violations and high deductibles could pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will be charged upwards of $3,300 a year. View Rates by Age

Your home state plays a big part in determining prices for Nissan Xterra insurance rates. A good driver about age 40 could pay as low as $530 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,100 on average in Michigan, New York, and Florida.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $140 each year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying at a minimum $1,000 to $1,400 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 41% to 137% more than the average policy. View High Risk Driver Rates

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 Affordable Nissan Xterra Insurance

Finding cheaper rates on Nissan Xterra insurance takes being a safe and courteous driver, having above-average credit, being claim-free, and possibly raising deductibles. Invest time comparing rates every time your policy renews by obtaining price quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

Below is a brief review of the information covered in the charts and tables above.

• It is possible to save as much as $80 per year just by shopping early and online
• Teenage drivers are expensive to insure, possibly costing $283 each month if full coverage is included
• Increasing comprehensive and collision deductibles can save around $125 each year
• High-risk drivers with DUI or reckless driving convictions pay an average of $920 more each year for auto insurance
• Drivers who require higher levels of liability will pay approximately $490 annually to raise limits from a 30/60 limit to 250/500 limits