Nissan Xterra Insurance Rates

U.S. average insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive insurance costs on average $110 each year, collision costs $98, and liability coverage costs $442. A policy with just liability insurance costs as little as $496 a year, with coverage for high-risk drivers costing $1,730 or more. 16-year-old drivers pay the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Price estimates by individual coverage:

These estimates include $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Estimates are averaged for all 50 states and Xterra models.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on insurance rates. Rural areas have lower incidents of physical damage claims than congested cities.

The graphic below illustrates how location impacts car insurance rates.

The ranges above illustrate why all drivers should compare rates based on a specific location, rather than using rate averages.

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

Additional Rate Analysis

The chart below illustrates estimated Nissan Xterra insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $511
• Drivers who choose higher $1,000 deductibles will pay around $46 each year
• The estimated price for the average middle-age driver with $500 deductibles is $808
• Buying low deductibles for comprehensive and collision insurance will cost an additional $88 each year
• High-risk insureds with multiple tickets or accidents could pay upwards of $1,730 or more
• The price that insures a teenage driver may cost $3,396 a year

View Chart as Image

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

If you have some driving violations or you caused an accident, you are probably paying at a minimum $1,000 to $1,400 extra each year, depending on your age. Insurance for high-risk drivers can cost around 41% to 137% more than the average rate. View High Risk Driver Rates

More mature drivers with a clean driving record and higher comprehensive and collision deductibles may only pay around $800 per year on average for full coverage. Prices are highest for teenage drivers, since even teens with perfect driving records can expect to pay upwards of $3,300 a year. View Rates by Age

The state you live in makes a big difference in Nissan Xterra insurance rates. A 40-year-old driver could pay as low as $530 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,100 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could save up to $140 a year, whereas increasing liability limits will cost you more. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to figure out exactly what you will pay is to do a rate comparison and see how they stack up. Every company utilizes a different rate formula, so the 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 Cheap Nissan Xterra Insurance

Getting lower rates on auto insurance not only requires avoiding accidents and claims, but also having above-average credit, not filing small claims, and bundling your home and auto policies. Comparison shop at least once a year by getting rate quotes from direct insurance companies, and also from your local independent and exclusive agents.

The points below are a brief summary of the primary concepts that were touched on above.

• It is possible to save as much as $80 per year simply by quoting online in advance
• Drivers that tend to have accidents or serious violations may pay on average $920 more each year to insure a Nissan Xterra
• Increasing physical damage deductibles can save approximately $125 each year
• Drivers under the age of 20 pay the highest prices, as much as $283 a month if full coverage is included