Nissan Xterra Insurance Rates

The average auto insurance rates for a Nissan Xterra are $808 annually including full coverage. Comprehensive costs approximately $110 a year, collision costs $98, and liability costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers 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:

Price estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 U.S. states and Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Your location can make a big difference on car insurance prices. Rural locations are shown to have fewer comprehensive and collision claims than cities with more traffic congestion.

The diagram below illustrates how rural and urban location affects auto insurance prices.

The examples above highlight why it is important to compare rates using their specific location and their own personal driving habits, instead of making a decision based on averaged prices.

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

Additional Rate Information

The chart below breaks down estimated Nissan Xterra insurance rates for additional coverage and risk scenarios.

• The cheapest rate after discounts is $511
• Drivers who choose higher $1,000 deductibles will pay $762 every year
• The estimated rate for a good driver age 40 who chooses $500 deductibles is $808
• Selecting low $100 deductibles for comprehensive and collision insurance will cost $896
• Drivers with serious driving violations could pay around $1,730 or more
• Policy cost with full coverage for a 16-year-old driver can cost $3,396 a year

View Chart as Image

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

Older drivers with a clean driving record and high physical damage deductibles may pay as low as $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay in the ballpark of $3,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying anywhere from $1,000 to $1,400 extra every year, depending on your age. A high-risk auto insurance policy can cost from 41% to 137% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles could save up to $140 annually, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Your home state makes a big difference in Nissan Xterra insurance prices. A 40-year-old driver could pay as low as $620 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,160 on average in Louisiana, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes from multiple companies. Every company calculates rates differently, so the rates will be varied 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 Cheaper Nissan Xterra Insurance

Finding cheaper rates on insurance for a Nissan Xterra not only requires having a decent driving record, but also having a good credit history, paying for small claims out-of-pocket, and maximizing policy discounts. Set aside time to shop around at every other renewal by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.

The following items are a condensed summary of the concepts that were raised in the charts and tables above.

• Drivers considered higher risk with multiple at-fault accidents may have to pay on average $920 more per year than a driver with a clean driving record
• 16 to 18-year-old drivers are expensive to insure, with premiums being up to $283 each month including comprehensive and collision insurance
• You may be able to save around $80 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles could save up to $125 each year
• You may be able to save around $80 per year simply by quoting early and online