Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year with full coverage. Comprehensive costs around $110, collision costs $98, and liability costs around $442. Liability-only insurance costs as low as $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 for type of insurance:

Estimates include $500 comprehensive and collision deductibles, split liability limits of 30/60, and includes both medical and uninsured motorist insurance. Prices are averaged for all U.S. states and for different Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Where you live can make a big difference on insurance rates. Areas with sparse population are shown to have a lower frequency of collision claims than larger metro areas.

The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, 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 details estimated Nissan Xterra insurance rates for additional coverage choices and driver risks.

• The lowest rate with discounts is $511
• Using higher $1,000 deductibles will save about $46 annually
• The average rate for a good driver age 40 using $500 deductibles is $808
• Choosing more expensive low deductibles for physical damage coverage will increase the cost to $896
• High-risk insureds with multiple violations and an at-fault accident could pay at least $1,730 or more
• Policy cost for full coverage for a 16-year-old driver with full coverage can be $3,396 or more

View Chart as Image

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

An older driver with a good driving record and high deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $3,300 a year. View Rates by Age

Your home state has a huge impact on Nissan Xterra insurance prices. A driver around age 40 might see rates as low as $590 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,100 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing high deductibles could cut rates by as much as $140 annually, while increasing your policy's liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out at least $1,000 to $1,400 in extra premium every year, depending on your age. High-risk driver insurance can be from 41% to 137% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to compare rates from multiple companies. Each insurance company uses a different rate calculation, and quoted rates will be varied from one company to the next.

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 cheaper rates on insurance for a Nissan Xterra requires avoiding accidents and violations, having good credit, not filing small claims, and maximizing policy discounts. Set aside time to compare rates at least once a year by obtaining price quotes from direct companies like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.

The list below is a review of the primary concepts that were covered above.

• You may be able to save up to $80 per year simply by shopping early and online
• Drivers considered higher risk who have several accidents or serious violations pay an average of $920 more every year for car insurance
• Increasing comprehensive and collision deductibles can save around $125 each year
• Teenagers are expensive to insure, as much as $283 each month if they have full coverage