Nissan Xterra Insurance Rates

Estimated insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive costs on average $110, collision insurance costs $98, and liability coverage costs around $442. Liability-only insurance costs as low as $496 a year, and high-risk driver insurance costs around $1,730. Teenage drivers pay the most at up to $3,396 a year.

Average premium for full coverage: $808

Premium estimates by type of coverage:

Estimates include $500 physical damage insurance deductibles, 30/60 bodily injury liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 states and for different Xterra trim levels.

Insurance Price Range by Risk and Coverage

Insurance Price Range by Location

Where you live has a large influence on insurance rates. Rural areas are statistically proven to have a lower frequency of physical damage claims than densely populated cities. The price range example below illustrates how location impacts car insurance rates.

These rate differences illustrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, rather than using average rates.

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

Additional Rate Information

The chart below illustrates average Nissan Xterra insurance rates for different risk profiles and scenarios.

• The best discount rate is $511
• Using higher $1,000 deductibles will save around $46 each year
• The average rate for a 40-year-old good driver with $500 deductibles is $808
• Using more expensive low deductibles for physical damage coverage will increase the cost to $896
• Higher-risk drivers who are prone to accidents and violations could pay upwards of $1,730
• An auto insurance policy for full coverage for a teenage driver with full coverage may cost $3,396 or more

View Chart as Image

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

An older driver with no violations or accidents and high deductibles may only pay around $800 a year, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers should be prepared to pay upwards of $3,300 a year. View Rates by Age

Where you choose to live has a huge impact on Nissan Xterra insurance rates. A driver around age 40 might see prices as low as $530 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,100 on average in Michigan, New York, and Florida.

View Chart as Image

Using high physical damage deductibles could cut prices by as much as $140 a year, while increasing your policy's liability limits will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at a minimum $1,000 to $1,400 additional annually, depending on your age. High-risk driver insurance can be around 41% to 137% more than a normal policy. View High Risk Driver Rates

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 auto insurance requires being a low-risk driver, having a good credit history, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Spend time shopping around at every other renewal by requesting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from local independent and exclusive agents.

The items below are a review of the concepts that were touched on above.

• Drivers who have several accidents or serious violations pay an average of $920 more each year to insure their Xterra
• Teen drivers pay higher prices, with premiums being up to $283 per month including comprehensive and collision insurance
• It is possible to save as much as $80 per year just by shopping early and online
• Increasing policy deductibles can save around $125 each year
• It is possible to save as much as $80 per year just by shopping early and online