Nissan Xterra Insurance Rates

U.S. average insurance rates for a Nissan Xterra are $808 a year including full coverage. Comprehensive costs around $110 a year, collision costs $98, and liability coverage costs around $442. Buying just liability costs as low as $496 a year, with insurance for high-risk drivers costing around $1,730. 16-year-old 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 policy deductibles, 30/60 liability coverage, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Xterra trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on the price of insurance. Areas with sparse population have lower incidents of comprehensive and collision claims than congested cities.

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

The ranges above highlight why it is important to compare prices for a specific zip code, rather than using rate averages.

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

Detailed Rate Analysis

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

• The best full coverage rate is $511
• Using higher $1,000 deductibles will save about $762 every year
• The estimated price for the average middle-age driver using $500 deductibles is $808
• Buying low $100 deductibles for physical damage coverage bumps up the cost to $896
• Higher-risk drivers with multiple tickets or accidents could pay at least $1,730 or more
• The price that insures a teenage driver can be $3,396 or more

View Chart as Image

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

If you have some driving violations or you caused an accident, you are likely paying at least $1,000 to $1,400 additional each year, depending on your age. A high-risk auto insurance policy can be around 41% to 137% more than the average rate. View High Risk Driver Rates

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

The state you live in has a huge impact on Nissan Xterra insurance rates. A driver around age 40 might see prices as low as $620 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,160 on average in Michigan, New York, and Louisiana.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $140 a year, while buying higher liability limits will increase prices. Changing 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 best way to figure out your exact price is to get quotes and see how they stack up. Each insurance company utilizes a different rate formula, 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 requires avoiding accidents and claims, having a good credit score, being claim-free, and taking advantage of discounts. Comparison shop every year by quoting rates from direct car insurance companies, and also from local insurance agencies.

The points below are a quick rundown of the coverage data presented in the illustrations above.

• You may be able to save up to $80 per year simply by quoting early and online
• Increasing physical damage deductibles can save approximately $125 each year
• Drivers under the age of 20 are charged the highest prices, possibly costing $283 a month if comprehensive and collision insurance is included
• Drivers with reckless driving or DUI convictions may have to pay on average $920 more every year to insure a Nissan Xterra