Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year including full coverage. Comprehensive costs approximately $110 a year, collision costs $98, and liability is $442. Liability-only insurance costs around $496 a year, with high-risk driver insurance costing around $1,730. Teen drivers cost the most to insure at $3,396 a year or more.

Average premium for full coverage: $808

Policy rates by type of insurance:

Rate estimates include $500 deductible amounts, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Choosing to live in a large city can make a big difference on car insurance prices. Rural locations are shown to have lower incidents of comprehensive and collision claims than larger metro areas.

The diagram below illustrates how where you live affects auto insurance prices.

The examples above highlight why it is important to compare rates quotes using their specific location, instead of making a decision based on price averages.

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

Additional Rate Details

The chart below breaks down estimated Nissan Xterra insurance rates for additional coverage and risk scenarios.

• The lowest rate with discounts is $511
• Raising to $1,000 deductibles will save $762 every year
• The estimated price for a good driver age 40 who chooses $500 deductibles is $808
• Choosing low $100 deductibles bumps up the cost to $896
• Drivers with multiple violations and an at-fault accident could pay around $1,730 or more
• Policy cost that insures a 16-year-old driver can cost $3,396

View Chart as Image

Auto insurance rates for a Nissan Xterra also range considerably based on the trim level of your Xterra, your driving record and age, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you are likely paying anywhere from $1,000 to $1,400 in extra premium every year, depending on your age. A high-risk auto insurance policy is expensive and can cost from 41% to 137% more than average. View High Risk Driver Rates

Older drivers with a good driving record and higher comprehensive and collision deductibles may pay as low as $800 every 12 months on average, or $67 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay in the ballpark of $3,300 a year. View Rates by Age

Your home state also has a big influence on Nissan Xterra insurance prices. A middle-age driver might find rates as low as $620 a year in states like Vermont, New Hampshire, and Missouri, or as much as $1,160 on average in Louisiana, New York, and Michigan.

View Chart as Image

Choosing high deductibles can reduce rates by up to $140 annually, while buying higher liability limits will push rates upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to figure out who has the best auto insurance rates is to get quotes from multiple companies. Every auto insurance company uses a different rate calculation, and quoted 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 Best Nissan Xterra Insurance

Finding cheaper rates on insurance for a Nissan Xterra consists of having a good driving record, maintaining a good credit score, paying for small claims out-of-pocket, and not having any coverage lapses. Shop around every couple of years by obtaining price quotes from direct car insurance companies, and also from local auto insurance providers.

The next list is a brief recap of the material that was touched on in the above illustrations.

• Insureds who purchase increased levels of liability coverage will pay about $490 per year to raise from a 30/60 limit to the 250/500 level
• Drivers age 20 and younger have the highest car insurance rates, with premiums being up to $283 each month if the policy includes full coverage
• Drivers considered higher risk who tend to receive serious violations will likely pay on average $920 more per year to buy Nissan Xterra insurance
• Increasing comprehensive and collision deductibles can save approximately $125 each year