Nissan Xterra Insurance Rates

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

Average premium for full coverage: $808

Policy rates broken down by type of insurance:

Price estimates include $500 physical damage insurance deductibles, bodily injury liability limits of 30/60, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for different Xterra trim levels.

Price Range Variability

Urban vs. Rural Price Range

Living in a larger city has a significant impact on the price of insurance. More rural locations are shown to have a lower frequency of physical damage claims than larger metro areas.

The price range example below illustrates how where you live affects insurance prices.

The examples above illustrate why anyone shopping for car insurance should get quotes for a targeted area and risk profile, rather than relying on price averages.

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

Additional Rate Information

The chart below illustrates estimated Nissan Xterra insurance rates for other coverage scenarios.

• The lowest rate with discounts is $511
• Choosing higher $1,000 deductibles can save approximately $46 each year
• The average rate for a good driver age 40 who has $500 deductibles is $808
• Choosing more expensive low deductibles for comp and collision coverage will cost an extra $88 a year
• High-risk insureds with multiple violations and an at-fault accident could pay up to $1,730 or more
• Policy cost for full coverage for a teen driver with full coverage 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 your risk profile, the model year and trim level, and liability limits and deductibles.

An older driver with no driving violations and high deductibles could pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are highest for teenagers, where even good drivers will be charged at least $3,300 a year. View Rates by Age

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 North Carolina, Wisconsin, and Vermont, or as much as $1,100 on average in Florida, New York, and Michigan.

View Chart as Image

Choosing high deductibles can save as much as $140 each year, while increasing your policy's liability limits will increase premiums. Switching from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you are probably paying $1,000 to $1,400 extra every year, depending on your age. High-risk driver insurance ranges anywhere from 41% to 137% more than average. View High Risk Driver Rates

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to compare rates from as many companies as possible. Each auto insurer uses a different rate calculation, so rate quotes 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 Cheaper Nissan Xterra Insurance

Finding cheaper rates on Nissan Xterra insurance takes being a low-risk driver, having above-average credit, being claim-free, and not having any coverage lapses. Take the time to comparison shop every other policy renewal by getting rate quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

The items below are a condensed summary of the ideas that were touched on in the above illustrations.

• Teen drivers have the highest car insurance rates, possibly costing $283 each month if full coverage is included
• High-risk drivers with multiple at-fault accidents pay on average $920 more annually to insure their Xterra
• Increasing comprehensive and collision deductibles can save around $125 each year
• It is possible to save approximately $80 per year simply by shopping early and online