Nissan Xterra Insurance Rates

U.S. average insurance rates for a Nissan Xterra are $808 a year with full coverage. Comprehensive insurance costs approximately $110 a year, collision insurance costs $98, and liability coverage costs $442. Buying just liability costs as little as $496 a year, and insurance for high-risk drivers costs $1,730 or more. Teenage drivers pay the highest rates at up to $3,396 a year.

Average premium for full coverage: $808

Price estimates by individual coverage:

Includes $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Estimates are averaged for all U.S. states and Xterra trim levels.

Price Range from Low to High

Geographic Price Range

Your location has a large influence on the price of insurance. Rural locations have lower incidents of collision claims than densely populated cities. The diagram below illustrates how geographic area affects auto insurance prices.

The ranges above demonstrate why it is important to compare rates using their specific location, rather than using average rates.

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

Additional Rate Information

The chart below details average Nissan Xterra insurance rates for additional coverage and risk scenarios.

• The best discount rate is $511
• Drivers who choose higher $1,000 deductibles will pay $762 annually
• The estimated price for the average middle-age driver who chooses $500 deductibles is $808
• Using low $100 deductibles for comprehensive and collision insurance will cost an additional $88 each year
• High-risk insureds who are prone to accidents and violations could pay around $1,730
• The price that insures a teenage driver can cost $3,396 a year

View Chart as Image

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

If you have some driving violations or you caused an accident, you may be forking out anywhere from $1,000 to $1,400 additional each year, depending on your age. A high-risk auto insurance policy can cost around 41% to 137% more than a normal policy. View High Risk Driver Rates

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

The state you live in makes a big difference in Nissan Xterra insurance rates. A 40-year-old driver could pay as low as $590 a year in states like Utah, Ohio, and New Hampshire, or be forced to pay as much as $1,100 on average in New York, Michigan, and Florida.

View Chart as Image

Using high physical damage deductibles could save up to $140 a year, while buying higher liability limits will push prices upward. Moving 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

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 auto insurance not only requires being safe and accident-free, but also having a good credit score, avoid buying unnecessary coverage, and consideration of higher deductibles. Compare prices at every policy renewal by getting quotes from direct companies, and also from local insurance agencies.

Below you'll find a recap of the data presented in the illustrations above.

• Consumers who purchase more liability protection will pay an extra $490 every year to go from a low limit to the 250/500 level
• You may be able to save around $80 per year just by quoting early and online
• Increasing physical damage deductibles can save approximately $125 each year
• Youthful drivers are the costliest to insure, costing up to $283 a month if comprehensive and collision insurance is included