Nissan Xterra Insurance Rates

U.S. average insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive insurance costs on average $110, 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 $1,730 or more. 16-year-old drivers pay the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Price estimates by individual coverage:

Estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes both medical and uninsured motorist insurance. Estimates are averaged for all 50 states and for different Xterra trim levels.

Price Range from Low to High

Geographic Price Range

Where you live has a large influence on insurance rates. Rural areas have lower incidents of physical damage claims than congested cities.

The price range example below illustrates how location helps determine car insurance rates.

The ranges above illustrate why anyone shopping for car insurance should compare prices based on a specific location, rather than using rate averages.

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

Additional Rate Details

The chart below illustrates estimated Nissan Xterra insurance rates for different risk profiles and scenarios.

• The best full coverage rate is $511
• Using higher $1,000 deductibles will save around $46 each year
• The estimated price for the average middle-age driver with $500 deductibles is $808
• Buying more expensive low deductibles for physical damage coverage will cost an additional $88 each year
• Higher-risk drivers with multiple tickets or accidents could pay upwards of $1,730 or more
• The price that insures a teenage driver with full coverage may cost $3,396 or more

View Chart as Image

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

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

An older driver 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 upwards of $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 $530 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,100 on average in Michigan, New York, and Florida.

View Chart as Image

Opting for high physical damage deductibles could cut prices by as much as $140 a year, while increasing your policy's liability limits will cost you more. Switching 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 only way to figure out exactly what you will pay is to compare prices 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 2000 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 Low Cost Nissan Xterra Insurance

Getting lower rates on auto insurance requires not taking risks behind the wheel, having a good credit score, not filing small claims, and insuring your home and auto with the same company. Comparison shop every other policy renewal by requesting rates from direct insurance companies, and also from your local independent and exclusive agents.

The following is a review of the ideas that were covered in the charts and tables above.

• Teens pay higher prices, as much as $283 a month if comprehensive and collision insurance is included
• Drivers who have several accidents or serious violations may pay on average $920 more each year for Xterra insurance
• Increasing physical damage deductibles can save approximately $125 each year
• It is possible to save as much as $80 per year simply by shopping early and online