Nissan Xterra Insurance Rates

Estimated insurance rates for a Nissan Xterra are $808 a year including full coverage. Comprehensive costs around $110 each year, collision costs $98, and liability insurance is estimated at $442. A policy with only liability insurance costs approximately $496 a year, with a high-risk policy costing around $1,730. Teens pay the most at $3,396 a year or more.

Average premium for full coverage: $808

Premium estimates for type of coverage:

Estimates include $500 deductible amounts, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Xterra models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have lower incidents of comprehensive and collision claims than cities with more traffic congestion.

The graphic below illustrates the effect of geographic area on auto insurance rates.

These rate differences highlight why all drivers should get quotes for a specific zip code, rather than relying on averaged prices.

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

Rates by State, City, and Model

The chart below breaks down estimated Nissan Xterra insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $511
• Choosing higher $1,000 deductibles can save about $46 every year
• The estimated price for a 40-year-old good driver using $500 deductibles is $808
• Selecting low deductibles for comp and collision coverage bumps up the cost to $896
• High-risk insureds with serious driving violations could pay at least $1,730 or more
• An auto insurance policy that insures a teen driver can be $3,396 each year

View Chart as Image

Car insurance prices for a Nissan Xterra also have a wide range based on the trim level and model year, your driving record and age, and deductibles and policy limits.

If you have a few violations or you caused an accident, you are likely paying at least $1,000 to $1,400 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 41% to 137% more than the average policy. View High Risk Driver Rates

More mature drivers with no driving violations and higher comprehensive and collision deductibles could pay as little as $800 annually on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, since even teens with perfect driving records will be charged as much as $3,300 a year. View Rates by Age

Where you choose to live plays a big part in determining prices for Nissan Xterra insurance rates. A good driver about age 40 could pay as low as $620 a year in states like Missouri, New Hampshire, and Vermont, or have to pay at least $1,160 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles can save as much as $140 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range in prices, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Each auto insurer calculates prices differently, so rate quotes will be substantially different.

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 Low Cost Nissan Xterra Insurance

Finding better rates on Nissan Xterra insurance takes having a good driving record, having a positive credit history, refrain from filing small claims, and qualifying for all possible discounts. Compare rates every time your policy renews by obtaining price quotes from direct car insurance companies, and also from local insurance agencies.

The next list is a review of the information covered in the above illustrations.

• You may be able to save up to $80 per year simply by quoting online in advance
• Drivers age 20 and younger are the costliest to insure, with the cost nearing $283 per month if full coverage is purchased
• Increasing policy deductibles can save approximately $125 each year
• High-risk drivers who have several accidents or serious violations may have to pay on average $920 more every year to buy Nissan Xterra insurance
• Drivers who may need increased levels of liability coverage will pay approximately $490 per year to raise limits from 30/60 bodily injury limits to the 250/500 level