Nissan Xterra S 4WD Insurance Rates

Estimated insurance rates for a Nissan Xterra S 4WD are $1,142 a year for full coverage. Comprehensive insurance costs around $270, collision insurance costs $350, and liability costs around $364. A policy with only liability insurance costs as low as $430 a year, and a high-risk policy costs $2,422 or more. Teen drivers pay the most at up to $4,246 a year.

Annual premium for full coverage: $1,142

Premium estimates for type of insurance:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Nissan Xterra Trim Level

These rate differences show why anyone shopping for car insurance should compare prices for a specific zip code, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Car insurance rates for a Nissan Xterra S 4WD also have a wide range based on the model year, how you drive, and deductibles and policy limits.

If you have a few violations or you caused an accident, you could be paying at least $1,300 to $1,800 extra annually, depending on your age. High-risk driver insurance can be from 42% to 127% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Prices are highest for drivers in their teens, since even teens with perfect driving records will be charged as much as $4,200 a year. View Rates by Age

Where you choose to live has a huge impact on Nissan Xterra S 4WD insurance prices. A driver around age 40 might see prices as low as $900 a year in states like Idaho, Maine, and Iowa, or as much as $1,950 on average in Michigan, Louisiana, and Montana. Rates by state and city are shown later in the article.

Choosing high deductibles could cut prices by as much as $410 annually, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost up to $327 extra every 12 months. View Rates by Deductible or Liability Limit

With such a large range of prices, the only way to know your exact price is to compare prices from multiple companies. Each insurance company uses a different rate calculation, so rate quotes will be substantially different.

View Chart as Image

Chart shows Nissan Xterra S 4WD insurance prices for various risks and coverage choices. The cheapest discount price is $686. Drivers who choose higher $1,000 deductibles will pay $1,002. The average price for a driver age 40 with no violations using $500 deductibles is $1,142. Using more expensive $100 deductibles for comprehensive and collision insurance could cost up to $1,412. High risk drivers could be charged up to $2,422. The price for full coverage for a 16-year-old driver can be as high as $4,246.

View Chart as Image