Nissan Xterra Insurance Rates

U.S. average insurance rates for a Nissan Xterra are $808 a year with full coverage. Comprehensive insurance costs around $110 each year, 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 $1,730 or more. Teens pay the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Price estimates for individual coverage:

Includes $500 physical damage deductibles, split liability limits of 30/60, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and Xterra models.

Price Range from Low to High

Geographic Price Range

Where you live has a significant impact on insurance rates. Areas with sparse population have a lower frequency of collision claims than cities with more traffic congestion.

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

The ranges above demonstrate why all drivers should compare prices for a specific zip code and risk profile, rather than relying on averaged prices.

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

Additional Rate Information

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

• The cheapest rate after discounts is $511
• Using higher $1,000 deductibles will save about $46 annually
• The average rate for the average middle-age driver using $500 deductibles is $808
• Selecting low deductibles for physical damage coverage will cost an extra $88 a year
• Drivers with serious driving violations could pay at least $1,730 or more
• The price for full coverage for a teen driver can be $3,396 or more

View Chart as Image

Car insurance prices for a Nissan Xterra are also quite variable based on your driving record, the trim level and model year, and deductibles and policy limits.

More mature drivers with no driving violations and high deductibles could pay as little as $800 a year for full coverage. Prices are much higher for teenage drivers, where even good drivers will be charged 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 $590 a year in states like New Hampshire, Ohio, and Utah, or have to pay at least $1,100 on average in Florida, Michigan, and New York.

View Chart as Image

Choosing higher comprehensive and collision insurance deductibles could cut prices by as much as $140 each year, whereas increasing liability limits will increase prices. Moving from a 50/100 limit to a 250/500 limit will increase prices by as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you may be forking out at least $1,000 to $1,400 extra each year, depending on your age. Insurance for high-risk drivers can be anywhere from 41% to 137% more than the average policy. View High Risk Driver Rates

Since prices can be so different, the best way to find out your exact price is to do a rate comparison from as many companies as possible. Each insurance company calculates prices differently, so rate quotes may be quite different from one company to the next.

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 Cheapest Nissan Xterra Insurance

Getting lower rates on Nissan Xterra insurance requires being a safe and courteous driver, having above-average credit, avoid buying unnecessary coverage, and qualifying for all possible discounts. Set aside time to compare rates at least once a year by obtaining price quotes from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.

Below is a recap of the primary concepts that were covered above.

• You may be able to save up to $80 per year simply by quoting online in advance
• High-risk drivers that have major violations or accidents pay an average of $920 more every year for auto insurance
• Increasing physical damage deductibles can save around $125 each year
• Teenage drivers are the costliest to insure, costing up to $283 a month if full coverage is included