Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive costs an estimated $110 each year, collision costs $98, and liability coverage costs around $442. Liability-only coverage costs as low as $496 a year, with high-risk coverage costing around $1,730. Teen drivers cost the most to insure at $3,396 a year or more.

Average premium for full coverage: $808

Policy rates broken down by type of insurance:

Rates are based on $500 deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than larger metro areas.

The graphic below illustrates how location impacts insurance prices.

The examples above illustrate why all drivers should compare prices for a targeted area and risk profile, rather than using price averages.

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

Additional Rate Analysis

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

• The lowest rate with discounts is $511
• Using higher $1,000 deductibles will save approximately $46 each year
• The average rate for a good driver age 40 who has $500 deductibles is $808
• Choosing low deductibles for physical damage coverage will increase the cost to $896
• Higher-risk drivers with multiple violations and an at-fault accident could pay up to $1,730 or more
• Policy cost for full coverage for a teenage driver can cost as much as $3,396 or more

View Chart as Image

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

More mature drivers with no violations or accidents and high deductibles may only pay around $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, where even good drivers should be prepared to pay at least $3,300 a year. View Rates by Age

Your home state has a huge impact on Nissan Xterra insurance rates. A driver around age 40 might see rates as low as $530 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,100 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles could cut rates by as much as $140 a year, whereas increasing liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more each year. 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 $1,000 to $1,400 additional every year, depending on your age. Insurance for high-risk drivers can be around 41% to 137% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison and see how they stack up. Each insurance company uses a different rate calculation, and rates will be varied 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 the Best Cheap Nissan Xterra Insurance

Finding cheaper rates on auto insurance requires not taking risks behind the wheel, having a good credit history, being claim-free, and maximizing policy discounts. Spend time shopping around at least once a year by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following is a quick review of the primary concepts that were touched on above.

• It is possible to save approximately $80 per year simply by quoting online in advance
• Drivers with a DUI or reckless driving violation pay on average $920 more annually for Xterra insurance
• Increasing comprehensive and collision deductibles can save around $125 each year
• Teens are expensive to insure, possibly costing $283 each month including comprehensive and collision insurance