Nissan Xterra Insurance Rates

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

Average premium for full coverage: $808

Policy rates for type of insurance:

Estimates include $500 physical damage deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all 50 states and for all Xterra models.

Price Range Variability

Urban vs. Rural Price Range

Where you live has a significant impact on car insurance rates. Areas with sparse population are shown to have lower incidents of physical damage claims than larger metro areas.

The example below illustrates how geographic area affects auto insurance rates.

The examples above illustrate why everyone should compare prices for a specific zip code, 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 additional coverage choices and driver risks.

• The lowest rate with discounts is $511
• Using higher $1,000 deductibles will save about $46 each year
• The estimated price for a good driver age 40 using $500 deductibles is $808
• Choosing pricier low deductibles for physical damage coverage bumps up the cost to $896
• Drivers with multiple violations and an at-fault accident could pay at least $1,730 or more
• Policy cost that insures a teen driver for full coverage can be $3,396 or more

View Chart as Image

Auto insurance rates for a Nissan Xterra also range considerably based on the model of your Xterra, your age and driving record, and deductibles and policy limits.

If you have a few points on your driving record or you caused an accident, you are probably paying at least $1,000 to $1,400 in extra premium every year, depending on your age. Nissan Xterra insurance for high-risk drivers can be anywhere from 41% to 137% more than average. View High Risk Driver Rates

A more mature driver with a good driving record and higher comprehensive and collision deductibles could pay as little as $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will have to pay as much as $3,300 a year. View Rates by Age

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

View Chart as Image

Choosing high deductibles could cut rates by as much as $140 each year, whereas buying more liability protection will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

Because rates have so much variability, the only way to figure out your exact price is to regularly compare rates from as many companies as possible. Each insurance company uses a different rate calculation, and quoted rates will be varied.

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 Low Cost Nissan Xterra Insurance

Finding cheaper rates on Nissan Xterra insurance requires being a safe and courteous driver, maintaining a good credit score, being claim-free, and maximizing policy discounts. Shop around at every policy renewal by requesting quotes from direct insurance companies, and also from insurance agencies where you live.

Below is a review of the data presented in the illustrations above.

• Drivers who may need higher levels of liability will pay about $490 annually to increase from a 30/60 limit to the 250/500 level
• It is possible to save up to $80 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $125 each year
• Teenage drivers are expensive to insure, possibly costing $283 each month if the policy includes full coverage