Nissan Xterra Off Road 4WD Insurance Rates

U.S. average insurance rates for a Nissan Xterra Off Road 4WD are $1,188 a year including full coverage. Comprehensive insurance costs approximately $284 a year, collision insurance costs $382, and liability costs around $364. Buying just liability costs as low as $430 a year, and insurance for high-risk drivers costs $2,524 or more. Teenage drivers pay the highest rates at up to $4,392 a year.

Annual premium for full coverage: $1,188

Price estimates by individual coverage type:

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Nissan Xterra Trim Level

These price ranges highlight why it is important for drivers to compare prices using their specific location, instead of using average rates.

Use the form below to get rates for your location.

Insurance prices for a Nissan Xterra Off Road 4WD are also quite variable based on the model year of your Xterra, your driving record and age, and physical damage deductibles and liability limits.

If you have some driving violations or you caused an accident, you are likely paying anywhere from $1,400 to $1,900 additional each year, depending on your age. A high-risk auto insurance policy can be as much as 43% to 132% more than a normal policy. View High Risk Driver Rates

Older drivers with no violations or accidents and higher comprehensive and collision deductibles may pay as little as $1,100 a year 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 $4,300 a year. View Rates by Age

The state you live in has a huge impact on Nissan Xterra Off Road 4WD insurance prices. A driver around age 40 might see prices as low as $1,060 a year in states like North Carolina, Indiana, and , or be forced to pay as much as $1,950 on average in Louisiana, Montana, and Michigan. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut prices by as much as $440 every year, while buying higher liability limits will push prices upward. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase rates by as much as $327 more each year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out which insurance company is cheapest is to get quotes and see which company has the best price. Each insurance company uses a different method to calculate prices, and rates may be quite different.

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The chart above shows average Nissan Xterra Off Road 4WD insurance prices for various risks and coverage choices. The best price after discounts is $709. Drivers who use higher $1,000 deductibles will pay $1,036. The average price for a middle-aged driver with a clean driving record using $500 deductibles is $1,188. Choosing low $100 deductibles for collision and other-than-collision coverage could cost up to $1,476. Drivers with multiple violations and accidents could be charged at least $2,524. The cost for full coverage for a teenager can be as high as $4,392.

View Chart as Image