Nissan Xterra Insurance Rates

U.S. average insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive costs an estimated $110 a year, collision costs $98, and liability coverage is estimated at $442. Buying just liability costs approximately $496 a year, with insurance for high-risk drivers costing around $1,730. Teenage drivers pay the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Price estimates broken down by individual coverage:

Prices include $500 deductible amounts, 30/60 liability limits, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and Xterra trim levels.

Price Range from Low to High

Geographic Price Range

Living in a larger city has a large influence on the price of insurance. More rural locations have lower incidents of physical damage claims than densely populated cities.

The diagram below illustrates how geographic area affects insurance prices.

The ranges above illustrate why it is important to get quotes for a targeted area, rather than using average rates.

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

Rates by State, City, and Model

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

• The best discount rate is $511
• Choosing higher $1,000 deductibles can save approximately $762 each year
• The estimated price for the average middle-age driver who has $500 deductibles is $808
• Using low $100 deductibles for comp and collision coverage bumps up the cost to $896
• Drivers who are prone to accidents and violations could pay up to $1,730 or more
• The price that insures a teenage driver can cost as much as $3,396 each year

View Chart as Image

Insurance prices for a Nissan Xterra are also quite variable based on the trim level of your Xterra, your age and driving record, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are probably paying $1,000 to $1,400 additional each year, depending on your age. A high-risk auto insurance policy ranges around 41% to 137% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may only pay around $800 annually on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records should be prepared to pay at least $3,300 a year. View Rates by Age

The state you live in 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 be forced to pay as much as $1,100 on average in Florida, New York, and Michigan.

View Chart as Image

Using high physical damage deductibles can save as much as $140 a year, while buying higher liability limits will increase premiums. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out which car insurance is cheapest is to get quotes and see how they stack up. Each auto insurer uses a different method to calculate prices, and prices may be quite 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 Find the Right Nissan Xterra Insurance

Getting lower rates on auto insurance takes having a good driving record, having a good credit score, not filing small claims, and maximizing policy discounts. Compare prices at every policy renewal by requesting rates from direct insurance companies, and also from local insurance agencies.

The next list is a quick rundown of the data presented in the illustrations above.

• Consumers who want increased levels of liability coverage will pay an extra $490 annually to raise limits from a low limit to the 250/500 level
• It is possible to save approximately $80 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $125 each year
• Drivers age 20 and younger are expensive to insure, as much as $283 a month if comprehensive and collision insurance is included