Nissan Xterra SE 4WD Insurance Rates

Average insurance rates for a Nissan Xterra SE 4WD are $1,234 a year for full coverage. Comprehensive insurance costs an estimated $298, collision costs $414, and liability costs around $364. Liability-only coverage costs as low as $430 a year, with high-risk coverage costing $2,624 or more. Teen drivers receive the highest rates at $4,536 a year or more.

Annual premium for full coverage: $1,234

Rate estimates broken down by type of insurance:

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

Price Range for Insurance for this Nissan Xterra Trim Level

These differences show why anyone shopping for car insurance should compare prices for a targeted area, instead of using price averages.

Use the form below to get rates for your location.

Car insurance rates for a Nissan Xterra SE 4WD can also vary considerably based on the model year, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $1,400 to $2,000 extra per year, depending on your age. High-risk driver insurance can be as much as 44% to 127% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 a year for full coverage. Prices are highest for teen drivers, since even teens with perfect driving records will be charged at least $4,500 a year. View Rates by Age

Where you live has a huge impact on Nissan Xterra SE 4WD insurance prices. A driver around age 40 might see prices as low as $900 a year in states like Iowa, Maine, and Idaho, or as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Choosing high deductibles could cut prices by as much as $480 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in prices, the only way to know who has the cheapest car insurance prices is to compare prices and see which company has the best price. Each insurance company uses a different rate calculation, so rate quotes can be significantly different.

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Chart shows Nissan Xterra SE 4WD insurance prices for different risks and coverage choices. The best price after discounts is $732. Drivers who choose higher $1,000 deductibles will pay $1,072. The average price for a driver around age 40 using $500 deductibles is $1,234. Using more expensive $100 deductibles for comprehensive and collision insurance could cost up to $1,544. High risk drivers could be charged as much as $2,624. The price for full coverage for a teenage driver can be as high as $4,536.

View Chart as Image