Nissan Xterra Insurance Rates

The average auto insurance rates for a Nissan Xterra are $808 annually for full coverage insurance. Comprehensive costs around $110 each year, collision insurance costs $98, and liability insurance costs around $442. A liability-only policy costs as low as $496 a year, and high-risk insurance costs around $1,730. Teenage drivers cost the most to insure at up to $3,396 a year.

Average premium for full coverage: $808

Policy rates for type of insurance:

Prices are based on $500 policy deductibles, liability coverage up to 30/60, and includes both medical and UM/UIM coverage. Prices are averaged for all 50 states and Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Areas with sparse population are shown to have fewer physical damage claims than densely populated cities. The graphic below illustrates how where you live affects auto insurance rates.

The examples above illustrate why all drivers should compare prices for a specific zip code and their own personal driving habits, rather than relying on average rates.

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

Rate Comparisons

The chart below illustrates average Nissan Xterra insurance rates for additional coverage choices and driver risks.

• The best discount rate is $511
• Using higher $1,000 deductibles will save about $46 each year
• The estimated rate for a good driver age 40 using $500 deductibles is $808
• Using low deductibles for physical damage coverage will cost $896
• Drivers who are prone to accidents and violations could pay at least $1,730
• Policy cost with full coverage for a teen driver can be $3,396 or more

View Chart as Image

Car insurance rates for a Nissan Xterra also range considerably based on the model year and trim level, your risk profile, and deductibles and policy limits.

More mature drivers with no driving violations and high physical damage deductibles could pay as little as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they will be charged as much as $3,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are probably paying at least $1,000 to $1,400 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 41% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could cut rates by as much as $140 each year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

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 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

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 Buy Affordable Nissan Xterra Insurance

Finding cheaper rates on Nissan Xterra insurance requires avoiding accidents and claims, having a good credit score, being claim-free, and consideration of higher deductibles. Take the time to comparison shop every time your policy renews by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

The points below are a brief review of the information touched on in the above illustrations.

• It is possible to save up to $80 per year just by quoting online in advance
• Drivers under the age of 20 are the costliest to insure, possibly costing $283 each month if comprehensive and collision insurance is included
• Increasing comprehensive and collision deductibles could save up to $125 each year
• High-risk drivers with DUI or reckless driving convictions pay on average $920 more every year to insure a Nissan Xterra
• Drivers who may need increased liability limits will pay an extra $490 annually to increase from a 30/60 limit to higher 250/500 limits