Nissan Xterra Insurance Rates

The average insurance rates for a Nissan Xterra are $808 a year with full coverage. Comprehensive costs approximately $110, collision costs $98, and liability costs around $442. A liability-only policy costs as low as $496 a year, with high-risk insurance costing around $1,730. 16-year-old drivers cost the most to insure at $3,396 a year or more.

Average premium for full coverage: $808

Policy rates by type of insurance:

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

Price Range Variability

Urban vs. Rural Price Range

Where you live can have significant affects on the price of insurance. Rural locations are shown to have lower incidents of collision claims than congested cities.

The example below illustrates how where you live affects auto insurance prices.

The examples above demonstrate why everyone should compare prices using their specific location, instead of using rate averages.

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 and risk scenarios.

• The best full coverage rate is $511
• Using higher $1,000 deductibles will save $46 annually
• The estimated price for a good driver age 40 who chooses $500 deductibles is $808
• Buying pricier low deductibles for physical damage coverage bumps up the cost to $896
• Drivers with multiple tickets or accidents could pay around $1,730 or more
• Policy cost that insures a teen driver for full coverage can cost $3,396 or more

View Chart as Image

Car insurance rates for a Nissan Xterra also range considerably based on the model of your Xterra, your age and driving habits, and physical damage deductibles and liability limits.

If you have a few points on your driving record or you caused an accident, you may be forking out anywhere from $1,000 to $1,400 extra every year, depending on your age. Nissan Xterra insurance for high-risk drivers can be as much as 41% to 137% more than the average rate. View High Risk Driver Rates

A more mature driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, since even teens with perfect driving records will be charged in the ballpark of $3,300 a year. View Rates by Age

Your home state has a huge impact on Nissan Xterra insurance prices. A driver around age 40 might see rates as low as $590 a year in states like Utah, Ohio, and New Hampshire, or at least $1,100 on average in New York, Michigan, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut rates by as much as $140 every year, whereas buying more liability protection will push rates upward. Moving from a 50/100 bodily injury protection limit to a 250/500 limit will raise rates by up to $398 extra every 12 months. View Rates by Deductible or Liability Limit

Because rates have so much variability, the best way to find out who has the cheapest auto insurance rates is to regularly compare rates and see which company has the best rate. Each insurance company utilizes a different rate formula, so rate quotes will be varied.

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 More Affordable Nissan Xterra Insurance

Finding cheaper rates on car insurance requires being a safe and courteous driver, having a positive credit history, not filing small claims, and avoiding coverage lapses. Comparison shop at least every other year by getting rate quotes from direct companies, and also from local insurance agencies.

Below is a summary of the car insurance concepts touched on in the above illustrations.

• Higher risk drivers who have multiple accidents or major violations may have to pay on average $920 more per year for auto insurance
• You may be able to save around $80 per year simply by quoting online well ahead of the renewal date
• Increasing comprehensive and collision deductibles can save approximately $125 each year
• Policyholders who purchase higher levels of liability will pay around $490 every year to increase from a 30/60 limit to the 250/500 level