Nissan Xterra Insurance Rates

The average insurance prices for a Nissan Xterra are $808 every 12 months for full coverage. Comprehensive insurance costs an estimated $110 a year, collision insurance costs $98, and liability insurance is estimated at $442. A liability-only policy costs approximately $496 a year, and high-risk insurance costs $1,730 or more. Teens cost the most to insure at up to $3,396 a year.

Average premium for full coverage: $808

Policy rates broken down by type of insurance:

Prices are based on $500 policy deductibles, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all states and Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on insurance rates. More rural locations are shown to have more infrequent accident claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on insurance prices.

The examples above show why it is important to get quotes for a targeted area and their own driving history, rather than relying on averaged prices.

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

Additional Charts and Tables

The chart below shows average Nissan Xterra insurance rates for other coverage scenarios.

• The cheapest rate after discounts is $511
• Choosing higher $1,000 deductibles can save approximately $762 a year
• The average price for a good driver age 40 who has $500 deductibles is $808
• Selecting low $100 deductibles for comp and collision coverage costs an extra $88 a year
• High-risk insureds with serious driving violations could pay up to $1,730
• Policy cost to insure a teen driver can cost as much as $3,396 each year

View Chart as Image

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

Choosing higher comprehensive and collision insurance deductibles can save as much as $140 each year, while buying higher liability limits will increase premiums. Going from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Older drivers with no driving violations and higher deductibles could pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $3,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you could be paying $1,000 to $1,400 extra every year, depending on your age. A high-risk auto insurance policy ranges anywhere from 41% to 137% more than the average policy. View High Risk Driver Rates

Your home state plays a big part in determining prices for Nissan Xterra insurance rates. A good driver about age 40 could pay as low as $530 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,160 on average in New York, Louisiana, and Michigan.

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 Shop for Affordable Nissan Xterra Insurance

Finding cheaper rates on Nissan Xterra insurance takes being a good driver, maintaining a good credit score, avoid buying unnecessary coverage, and possibly higher deductibles. Take the time to compare rates every couple of years by obtaining price quotes from direct carriers, and also from several local insurance agents.

The following list is a brief review of the material that was covered in the above illustrations.

• Drivers who want an increased level of liability coverage will pay approximately $490 each year to raise limits from a 30/60 limit to a 250/500 level
• Drivers age 16 to 20 have the highest car insurance rates, costing up to $283 each month if the policy includes full coverage
• High-risk drivers with DUI or reckless driving convictions pay on average $920 more annually than a safer driver
• Increasing comprehensive and collision deductibles could save as much as $125 each year