Nissan Xterra Insurance Rates

Average insurance prices for a Nissan Xterra are $808 every 12 months for full coverage insurance. Comprehensive costs approximately $110, collision costs $98, and liability costs around $442. A policy with just liability insurance costs as low as $496 a year, with coverage for high-risk drivers costing around $1,730. Teen drivers receive the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Rate estimates by individual coverage type:

Estimates include $500 comprehensive and collision deductibles, 30/60 liability coverage, and includes both medical and UM/UIM coverage. Rates are averaged for all 50 states and for different Xterra trim levels.

Price Range by Coverage and Risk

Price Range by Location

Where you live can have significant affects on the price of auto insurance. Rural locations tend to have more infrequent physical damage claims than larger metro areas.

The price range example below illustrates how location helps determine auto insurance prices.

These examples illustrate why anyone shopping for car insurance should compare prices using their specific location and their own driving history, instead of using price averages.

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

Rate Comparisons

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

• The lowest rate with discounts is $511
• Using higher $1,000 deductibles will save $46 each year
• The average price for a 40-year-old driver who chooses $500 deductibles is $808
• Choosing more expensive low deductibles for physical damage coverage increases the price to $896
• Drivers with multiple violations and an at-fault accident could pay around $1,730 or more
• The cost to insure a teen driver with full coverage can cost $3,396 or more

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

Choosing high deductibles could cut rates by as much as $140 every year, while increasing your policy's liability limits will push rates upward. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $800 a year for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay in the ballpark of $3,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you are probably paying anywhere from $1,000 to $1,400 additional per year, depending on your age. High-risk driver insurance can be as much as 41% to 137% more than average. View High Risk Driver Rates

Where you live has a huge impact on Nissan Xterra insurance prices. A driver around age 40 might see rates as low as $530 a year in states like North Carolina, Wisconsin, and Vermont, or as much as $1,100 on average in Florida, New York, and Michigan.

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With so much variability in rates, the only way to figure out who has the best car insurance rates is to compare rates and see which company has the best rate. Each insurance company uses a different rate calculation, and rates can be significantly different.

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 Low Cost Nissan Xterra Insurance

Saving money on car insurance requires having a decent driving record, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Invest time comparing rates every year by requesting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local insurance agencies.

The following items are a review of the coverage data covered in the charts and tables above.

• It is possible to save around $80 per year simply by shopping early and online
• Increasing deductibles could save as much as $125 each year
• 16 to 18-year-old drivers are the costliest to insure, costing up to $283 per month if full coverage is included
• Higher risk drivers who have several accidents or serious violations may have to pay on average $920 more per year than a driver with a clean driving record