Nissan Xterra Insurance Rates

U.S. average insurance rates for a Nissan Xterra are $808 a year for full coverage. Comprehensive costs around $110, collision costs $98, and liability costs $442. Liability-only coverage costs as little as $496 a year, with high-risk coverage 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 for individual coverage:

Prices include $500 deductible amounts, 30/60 liability limits, and includes both medical and uninsured motorist insurance. Estimates are averaged for all states and for different Xterra trim levels.

Price Range from Low to High

Geographic Price Range

Your location can make a big difference on auto insurance rates. Areas with sparse population have lower incidents of accident claims than densely populated cities.

The price range example below illustrates how location helps determine auto insurance rates.

The ranges above show why anyone shopping for car insurance should compare rates for a specific zip code, instead of making a decision based on average rates.

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

Additional Rate Details

The chart below shows estimated Nissan Xterra insurance rates for additional coverage choices and driver risks.

• The best discount rate is $511
• Drivers who choose higher $1,000 deductibles will pay about $46 a year
• The estimated price for the average middle-age driver using $500 deductibles is $808
• Using more expensive low deductibles for comprehensive and collision insurance bumps up the cost to $896
• Drivers who are prone to accidents and violations could pay at least $1,730 or more
• The price that insures a 16-year-old driver with full coverage can be $3,396 a year

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Auto insurance prices for a Nissan Xterra are also quite variable based on the model year and trim level, how you drive, and deductibles and policy limits.

If you have some driving violations or you caused an accident, you could be paying at least $1,000 to $1,400 in extra premium each year, depending on your age. High-risk driver insurance can cost from 41% to 137% more than a normal policy. View High Risk Driver Rates

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

The state you live in makes a big difference in Nissan Xterra insurance prices. A 40-year-old driver could pay as low as $530 a year in states like Idaho, Maine, and Iowa, or be forced to pay as much as $1,160 on average in Michigan, Louisiana, and New York.

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Using high physical damage deductibles could save up to $140 annually, while increasing your policy's liability limits will increase prices. Going from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 extra every year. View Rates by Deductible or Liability Limit

Since prices can be so different, the only way to know your exact price is to compare prices from multiple companies. Every company uses a different method to calculate prices, and quoted 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 insurance for a Nissan Xterra not only requires having a good driving record, but also maintaining a good credit score, eliminating unnecessary coverage, and maximizing policy discounts. Compare prices at every policy renewal by obtaining price quotes from direct carriers, and also from several local insurance agents.

The next list is a quick rundown of the data covered in the charts and tables above.

• Insureds who may need increased levels of liability coverage will pay an extra $490 each year to go from a low limit to the 250/500 level
• Drivers can save up to $80 per year simply by shopping early and online
• Increasing physical damage deductibles can save approximately $125 each year
• Drivers age 20 and younger are expensive to insure, with premiums as much as $283 a month if the policy includes full coverage