Nissan Xterra Insurance Rates

Estimated insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive insurance costs approximately $110 each year, collision costs $98, and liability costs $442. Liability-only insurance costs as little as $496 a year, with high-risk driver insurance costing $1,730 or more. Teenage drivers pay the most at $3,396 a year or more.

Average premium for full coverage: $808

Premium estimates by type of coverage:

These estimates include $500 policy deductibles, 30/60 liability limits, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 50 states and Xterra models.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Your location can have significant affects on the price of auto insurance. Rural locations are statistically proven to have lower incidents of physical damage claims than densely populated cities.

The graphic below illustrates how location impacts auto insurance prices.

These rate differences illustrate why all drivers should compare rates using their specific location, instead of using average rates.

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

More Rate Information

The chart below illustrates estimated 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 each year
• The estimated price for a 40-year-old good driver who chooses $500 deductibles is $808
• Using low deductibles for comprehensive and collision insurance will cost an additional $88 every year
• Higher-risk drivers who are prone to accidents and violations could pay around $1,730 or more
• An auto insurance policy that insures a teen driver can cost $3,396 a year

View Chart as Image

Insurance prices for a Nissan Xterra also have a wide range based on the trim level and model year, your age and driving record, and physical damage deductibles and liability limits.

If you have a few violations or you caused an accident, you are probably paying anywhere from $1,000 to $1,400 additional annually, depending on your age. Insurance for high-risk drivers can cost as much as 41% to 137% more than a normal policy. View High Risk Driver Rates

More mature drivers with no violations or accidents and higher comprehensive and collision 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 teens with perfect driving records should be prepared to pay in the ballpark of $3,300 a year. View Rates by Age

Where you choose to live makes a big difference in Nissan Xterra insurance prices. A 40-year-old driver could pay as low as $530 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,100 on average in Florida, New York, and Michigan.

View Chart as Image

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

With such a large range in prices, the only way to figure out who has the best car insurance prices is to do a rate comparison and see which company has the best price. Every company uses a different method to calculate prices, and prices 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 Cheap Nissan Xterra Insurance

Finding better rates on car insurance not only requires being a good driver, but also having a good credit score, paying for small claims out-of-pocket, and qualifying for all possible discounts. Compare prices at every policy renewal by obtaining price quotes from direct insurance companies, and also from your local car insurance providers.

The following list is a brief summary of the data touched on above.

• Policyholders who purchase an increased level of liability coverage will pay an extra $490 annually to go from 30/60 bodily injury limits to the 250/500 level
• It is possible to save around $80 per year simply by quoting online in advance
• Increasing policy deductibles can save approximately $125 each year
• Drivers age 16 to 20 are the costliest to insure, with premiums being up to $283 per month if comprehensive and collision insurance is included