Nissan Xterra Insurance Rates

Estimated insurance prices for a Nissan Xterra are $808 every 12 months with full coverage. Comprehensive insurance costs approximately $110, collision insurance costs $98, and liability costs $442. A liability-only policy costs as little as $496 a year, and high-risk insurance costs $1,730 or more. Teenage drivers pay the most at up to $3,396 a year.

Average premium for full coverage: $808

Premium estimates by type of coverage:

Price estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for all Xterra models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of insurance. Rural locations are statistically proven to have more infrequent collision claims than densely populated cities. The example below illustrates how location impacts auto insurance prices.

These rate differences demonstrate why everyone should compare rates using their specific location and their own driving history, instead of using average rates.

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

Additional Charts and Tables

The chart below details average Nissan Xterra insurance rates for additional coverage and risk scenarios.

• The best discount rate is $511
• Drivers who choose higher $1,000 deductibles will pay $46 annually
• The average price for a 40-year-old good driver who chooses $500 deductibles is $808
• Using pricier low deductibles for comprehensive and collision insurance costs an extra $88 every year
• Higher-risk drivers who are prone to accidents and violations could pay around $1,730
• An auto insurance policy to insure a teen driver for full coverage can cost $3,396 a year

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Auto insurance prices for a Nissan Xterra also have a wide range based on physical damage deductibles and liability limits, your driving record, and the model of your Xterra.

Using high physical damage deductibles could save up to $140 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 liability limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as little as $800 per year on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, since even excellent drivers will have to pay in the ballpark of $3,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you may be forking out anywhere from $1,000 to $1,400 in extra premium annually, depending on your age. Nissan Xterra insurance for high-risk drivers can cost as much as 41% to 137% more than a normal policy. View High Risk Driver Rates

Where you choose to live makes a big difference in Nissan Xterra insurance prices. A 40-year-old driver could pay as low as $590 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,100 on average in New York, Michigan, and Florida.

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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 Cheaper Nissan Xterra Insurance

Finding better rates on car insurance not only requires being a low-risk driver, but also having a good credit score, being claim-free, and possibly higher deductibles. Spend time shopping around every time your policy renews by getting rate quotes from direct companies, and also from insurance agencies where you live.

The items below are a condensed summary of the information touched on above.

• You may be able to save around $80 per year just by quoting online well ahead of the renewal date
• Teen drivers have the highest car insurance prices, possibly costing $283 per month if comprehensive and collision insurance is included
• Increasing policy deductibles could save as much as $125 each year
• Higher risk drivers with multiple at-fault accidents could be forced to pay on average $920 more per year to insure their Xterra
• Policyholders who purchase more liability coverage will pay an extra $490 every year to go from 30/60 bodily injury limits to a 250/500 level