Nissan Xterra Insurance Rates

The average insurance prices for a Nissan Xterra are $808 every 12 months for full coverage insurance. Comprehensive insurance costs approximately $110, collision costs $98, and liability insurance is estimated at $442. Buying just liability costs approximately $496 a year, with insurance for high-risk drivers costing $1,730 or more. 16-year-old drivers cost the most to insure at $3,396 a year or more.

Average premium for full coverage: $808

Policy rates by type of insurance:

Prices include $500 physical damage deductibles, minimum liability limits, and includes additional medical/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 the price of auto insurance. Rural locations are shown to have more infrequent physical damage claims than congested cities.

The price range example below illustrates how rural and urban location affects auto insurance prices.

The examples above illustrate why anyone shopping for car insurance should get quotes using their specific location and their own driving history, rather than relying on rate 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 additional coverage and risk scenarios.

• The best full coverage rate is $511
• Choosing higher $1,000 deductibles can save $46 each year
• The average price for a good driver age 40 who chooses $500 deductibles is $808
• Buying more expensive low deductibles for comp and collision coverage costs an extra $88 a year
• High-risk insureds with multiple tickets or accidents could pay around $1,730 or more
• Policy cost to insure a teen driver with full coverage can cost $3,396 each year

View Chart as Image

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

Opting for high physical damage deductibles can save as much as $140 each year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

An older driver with a clean driving record and higher deductibles could pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers 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 were responsible for an accident, you are probably paying anywhere from $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 rate. View High Risk Driver Rates

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 North Carolina, Wisconsin, and Vermont, or at least $1,100 on average in Florida, New York, and Michigan.

View Chart as Image

Because rates have so much variability, the only way to figure out who has the best car insurance rates is to compare rates from as many companies as possible. Each auto insurer utilizes a different rate formula, so the 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 the Right Nissan Xterra Insurance

Finding cheaper rates on Nissan Xterra insurance takes being a safe and courteous driver, having good credit, being claim-free, and maximizing policy discounts. Set aside time to shop around every couple of years by obtaining price quotes from direct insurance companies, and also from local insurance agencies.

Below is a quick rundown of the material that was raised in the charts and tables above.

• Drivers who purchase higher levels of liability will pay around $490 annually to raise limits from a 30/60 limit to a 250/500 level
• Teenage drivers are expensive to insure, possibly costing $283 each month if they have full coverage
• High-risk drivers with reckless driving or DUI convictions may have to pay on average $920 more per year for auto insurance
• Increasing comprehensive and collision deductibles could save as much as $125 each year