Nissan Xterra Insurance Rates

Average insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive insurance costs around $110, collision insurance costs $98, and liability is $442. Buying just liability costs around $496 a year, and insurance for high-risk drivers costs $1,730 or more. Teens receive the highest rates at up to $3,396 a year.

Average premium for full coverage: $808

Rate estimates for individual coverage type:

These estimates include $500 policy deductibles, liability limits of 30/60, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and for different Xterra trim levels.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than cities with more traffic congestion. The price range example below illustrates the difference between rural and urban areas on auto insurance rates.

These examples illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code, instead of using averaged prices.

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

Rates by State, City, and Model

The chart below illustrates average Nissan Xterra insurance rates for additional coverage choices and driver risks.

• The cheapest rate after discounts is $511
• Raising to $1,000 deductibles will save about $46 each year
• The estimated price for a 40-year-old driver using $500 deductibles is $808
• Selecting more expensive low deductibles will cost an additional $88 every year
• At-risk drivers with serious driving violations could pay at least $1,730
• The cost that insures a teen driver with full coverage can be $3,396

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Auto insurance rates for a Nissan Xterra can also vary considerably based on the model year and trim level, your age and driving record, and deductibles and policy limits.

If you like to drive fast or you caused an accident, you are probably paying at least $1,000 to $1,400 in extra premium per year, depending on your age. High-risk driver insurance is expensive and can cost as much as 41% to 137% more than the average policy. View High Risk Driver Rates

An older driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $800 every 12 months on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records will have to pay as much as $3,300 a year. View Rates by Age

Where you live also has a big influence on Nissan Xterra insurance prices. A middle-age driver might find rates as low as $530 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,100 on average in Michigan, New York, and Florida.

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Choosing higher comprehensive and collision insurance deductibles can reduce rates by up to $140 every year, while increasing your policy's liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

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

Saving money on car insurance consists of being a good driver, maintaining a good credit score, avoid buying unnecessary coverage, and possibly raising deductibles. Compare rates once a year by obtaining price quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following list is a brief summary of the data that was covered above.

• It is possible to save up to $80 per year just by shopping early and online
• Policyholders who may need an increased level of liability coverage will pay approximately $490 annually to raise from a minimum limit to the 250/500 level
• Drivers age 16 to 20 are expensive to insure, costing up to $283 per month if the policy includes full coverage
• Higher risk drivers that tend to have accidents or serious violations could be forced to pay on average $920 more every year than a safer driver