Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year for full coverage. Comprehensive costs on average $110 a 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. 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:

Prices include $500 policy deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Prices are averaged for all states and Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a large influence on car insurance rates. Rural areas are shown to have lower incidents of accident claims than cities with more traffic congestion.

The diagram below illustrates how where you live affects car insurance rates.

The examples above show why it is important to compare prices based on a specific location, rather than using averaged prices.

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

Rate Comparisons

The chart below shows estimated Nissan Xterra insurance rates for different risk profiles and scenarios.

• The cheapest rate after discounts is $511
• Using higher $1,000 deductibles will save around $762 a year
• The estimated price for a good driver age 40 with $500 deductibles is $808
• Selecting low $100 deductibles for physical damage coverage bumps up the cost to $896
• Higher-risk drivers with serious driving violations could pay upwards of $1,730 or more
• Policy cost that insures a teenage driver may cost $3,396 or more

View Chart as Image

Insurance rates for a Nissan Xterra also range considerably based on the trim level of your Xterra, how you drive, and policy deductibles and limits.

If you have a few points on your driving record or you caused an accident, you could be paying at a minimum $1,000 to $1,400 additional every year, depending on your age. A high-risk auto insurance policy can be around 41% to 137% more than the average policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, since even teens with perfect driving records should be prepared to pay upwards of $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 Idaho, Maine, and Iowa, or have to pay at least $1,160 on average in Michigan, Louisiana, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut rates by as much as $140 a year, while buying higher liability limits will cost you more. Going from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 more each year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to know exactly what you will pay is to get quotes and see how they stack up. Each insurance company calculates rates differently, and 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 Find the Right Nissan Xterra Insurance

Finding cheaper rates on auto insurance requires avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Compare rates every year by getting rate quotes from direct carriers, and also from local exclusive and independent agents.

The points below are a quick rundown of the coverage data touched on in the above illustrations.

• Drivers can save as much as $80 per year simply by quoting early and online
• Increasing comprehensive and collision deductibles can save approximately $125 each year
• Drivers under the age of 20 pay higher rates, costing up to $283 each month if comprehensive and collision insurance is included
• Drivers with reckless driving or DUI convictions may pay on average $920 more each year to insure a Nissan Xterra