Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year including full coverage. Comprehensive insurance costs around $110 a year, collision insurance costs $98, and liability costs around $442. Buying just liability costs as low as $496 a year, and insurance for high-risk drivers costs $1,730 or more. 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:

Includes $500 comprehensive and collision deductibles, bodily injury liability limits of 30/60, 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

Where you live can have significant affects on the price of insurance. Areas with sparse population are shown to have a lower frequency of comprehensive and collision claims than densely populated cities. The diagram below illustrates the difference between rural and urban areas on auto insurance rates.

The examples above highlight why it is important to compare prices for a specific zip code and risk profile, instead of using average rates.

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

Additional Rate Details

The chart below breaks down 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 $762 every year
• The average rate for a good driver age 40 using $500 deductibles is $808
• Using low $100 deductibles for physical damage coverage will cost an extra $88 every year
• Drivers who are prone to accidents and violations could pay at least $1,730
• Policy cost for full coverage for a teen driver can be $3,396 or more

View Chart as Image

Insurance rates for a Nissan Xterra also range considerably based on your risk profile, the model of your Xterra, and deductibles and policy limits.

Older drivers with a clean driving record and high deductibles may pay as little as $800 a year, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers can expect 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 $620 a year in states like Missouri, New Hampshire, and Vermont, or be forced to pay as much as $1,160 on average in Michigan, New York, and Louisiana.

View Chart as Image

Using high physical damage deductibles could cut rates by as much as $140 every year, while buying higher liability limits will increase rates. Changing from a 50/100 limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are likely paying at least $1,000 to $1,400 extra every year, depending on your age. A high-risk auto insurance policy can be as much as 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 the Cheapest Nissan Xterra Insurance

Finding cheaper rates on car insurance requires having a decent driving record, maintaining good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Set aside time to compare rates every other policy renewal by getting rate quotes from direct car insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The following items are a recap of the ideas that were covered above.

• 16 to 18-year-old drivers pay higher rates, with premiums being up to $283 each month for full coverage
• Higher risk drivers that have major violations or accidents pay on average $920 more every year than a driver with a clean driving record
• Increasing comprehensive and collision deductibles can save around $125 each year
• You may be able to save up to $80 per year just by quoting early and online