Nissan Xterra Insurance Rates

Average insurance rates for a Nissan Xterra are $808 a year including full coverage. Comprehensive insurance costs an estimated $110 each year, collision costs $98, and liability is $442. A liability-only policy costs around $496 a year, with high-risk insurance costing $1,730 or more. 16-year-old drivers receive the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Rate estimates broken down by individual coverage type:

Rates are based on $500 physical damage deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 U.S. states and Xterra models.

Price Range by Coverage and Risk

Price Range by Location

Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations tend to have lower incidents of comprehensive and collision claims than congested cities.

The graphic below illustrates the difference between rural and urban areas on insurance prices.

These examples highlight why all drivers should compare rates quotes for a targeted area, instead of using rate averages.

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

More Rate Information

The chart below breaks down estimated Nissan Xterra insurance rates for other coverage scenarios.

• The best full coverage rate is $511
• Raising to $1,000 deductibles will save approximately $46 every year
• The estimated price for a 40-year-old driver who has $500 deductibles is $808
• Buying low deductibles will cost an additional $88 every year
• At-risk drivers with multiple tickets or accidents could pay up to $1,730 or more
• The cost that insures a teen driver can cost as much as $3,396

View Chart as Image

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

If you like to drive fast or you caused an accident, you are likely paying $1,000 to $1,400 extra per year, depending on your age. Insurance for high-risk drivers is expensive and can cost as much as 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 pay as little as $800 every 12 months on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records can expect to pay at least $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 $620 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,160 on average in Louisiana, New York, and Michigan.

View Chart as Image

Opting for high physical damage deductibles can reduce rates by up to $140 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit

With so much variability in rates, the best way to figure out which company is cheapest is to do a rate comparison and see which company has the best rate. Every auto insurance company utilizes a different rate formula, so the rates can be significantly 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 Best Cheap Nissan Xterra Insurance

Saving money on car insurance consists of being a safe and courteous driver, having above-average credit, not filing small claims, and taking advantage of discounts. Comparison shop every time your policy renews by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from your local car insurance providers.

Below is a quick review of the information covered above.

• You may be able to save approximately $80 per year simply by quoting online in advance
• Teenage drivers are charged the highest rates, as much as $283 per month if full coverage is included
• Increasing deductibles can save approximately $125 each year
• Higher risk drivers with a DUI or reckless driving violation could be charged and average of $920 more annually for auto insurance
• Policyholders who want higher levels of liability will pay around $490 per year to raise from a minimum limit to the 250/500 level