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2000 Nissan Xterra Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Nov 19, 2021

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Average insurance rates for a 2000 Nissan Xterra are $808 a year with full coverage. Comprehensive insurance costs on average $110, collision insurance costs $98, and liability coverage costs around $442. Buying a liability-only policy costs as low as $496 a year, and high-risk insurance costs $1,730 or more. Teenage drivers receive the highest rates at up to $3,396 a year.

Annual premium for full coverage: $808

Rate estimates for 2000 Nissan Xterra Insurance

Comprehensive $110
Collision $98
Liability $442

Rate data is compiled from all 50 U.S. states and averaged for all 2000 Nissan Xterra models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For the average driver, prices range range from as low as $496 for the bare minimum liability coverage to a much higher rate of $1,730 for a driver that may need high-risk insurance.

Liability Only $496
Full Coverage $808
High Risk $1,730

View Chart as Image

2000 Nissan Xterra insurance rates compared
Column chart showing 2000 Nissan Xterra insurance prices range from $511 to $3,396 for full coverage

These differences demonstrate why anyone shopping for car insurance should compare prices based on a specific location and risk profile, rather than using average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2000 Nissan Xterra Insurance

Searching Companies

Are you tired of paying out the nose to buy car insurance? You are no different than most other car owners. Many insurance companies vie for your hard-earned dollar, so it’s not easy to compare every insurance company to get the cheapest price

If you have a policy now or are shopping for new coverage, you will benefit by learning to find better prices while maximizing coverage. Buying car insurance is not rocket science. Drivers only need an understanding of the most effective way to get comparison rates over the internet.

Companies offer discounts so take them!

Car insurance companies don’t always list all available discounts very clearly, so we break down both the well known and the harder-to-find ways to save on insurance. If you’re not getting every credit available, you are paying more than you should be.

  • Defensive Driver – Taking part in a course teaching defensive driving skills can save you 5% or more and easily recoup the cost of the course.
  • Multiple Policy Discount – When you combine your home and auto insurance with the same insurance company you may save approximately 10% to 15%.
  • Multi-car Discount – Having more than one vehicle on one policy can get a discount on all vehicles.
  • Anti-lock Brakes – Cars that have steering control and anti-lock brakes can avoid accidents and therefore earn up to a 10% discount.
  • Payment Discounts – By paying your policy upfront instead of paying each month you can actually save on your bill.
  • Use Seat Belts – Requiring all passengers to buckle their seat belts can save up to 15% off your PIP or medical payments premium.
  • Lower Rates for Military – Being on active duty in the military may qualify for rate reductions.
  • Drivers Ed for Students – Require your teen driver to complete a driver education course if it’s offered in school.
  • Clubs and Organizations – Being a member of a qualifying organization could trigger savings on insurance on Xterra insurance.
  • Safe Drivers – Safe drivers can pay as much as 50% less on Xterra insurance than drivers with accidents.

Keep in mind that most discount credits are not given to the entire cost. The majority will only reduce the cost of specific coverages such as collision or personal injury protection. So when the math indicates all the discounts add up to a free policy, you’re out of luck.

Companies who might offer these benefits are:

  • GEICO
  • MetLife
  • Progressive
  • Travelers
  • SAFECO
  • AAA

It’s a good idea to ask each company how you can save money. Discounts might not apply everywhere.

The method we recommend to compare rate quotes is to realize auto insurance companies have advanced systems to give you rate quotes. All consumers are required to do is spend a couple of minutes providing details including whether the vehicles are used for commuting, if a SR-22 is needed, marital status, and coverage limits. Your information is instantly sent to many highly-rated insurers and they return rate quotes immediately.

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

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Do I just need basic coverages?

When choosing proper insurance coverage, there really is no best way to insure your cars. Each situation is unique so your insurance should reflect that For instance, these questions can help discover if your situation could use an agent’s help.

  • Can I still get insurance after a DUI?
  • Is upholstery damage covered by car insurance?
  • Should I bundle my homeowners policy with my auto?
  • Am I missing any policy discounts?
  • Is my nanny covered when driving my vehicle?
  • Am I covered when delivering products for my home-based business?

If it’s difficult to answer those questions but a few of them apply, then you may want to think about talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It is quick, free and can provide invaluable advice.

Insurance coverages explained

Having a good grasp of your policy can be of help when determining appropriate coverage at the best deductibles and correct limits. Insurance terms can be ambiguous and nobody wants to actually read their policy. These are typical coverage types found on most insurance policies.

Medical costs insurance

Medical payments and Personal Injury Protection insurance reimburse you for short-term medical expenses for hospital visits, prosthetic devices, pain medications, funeral costs and nursing services. They can be used to cover expenses not covered by your health insurance plan or if there is no health insurance coverage. Coverage applies to both the driver and occupants as well as any family member struck as a pedestrian. Personal injury protection coverage is not available in all states and may carry a deductible

Coverage for collisions

This covers damage to your Xterra from colliding with an object or car. You have to pay a deductible and the rest of the damage will be paid by collision coverage.

Collision coverage pays for things like crashing into a building, sideswiping another vehicle, backing into a parked car and colliding with another moving vehicle. Collision is rather expensive coverage, so analyze the benefit of dropping coverage from lower value vehicles. Another option is to raise the deductible in order to get cheaper collision rates.

Liability coverage

This coverage protects you from damage or injury you incur to a person or their property by causing an accident. This coverage protects you against other people’s claims. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show values of 25/50/25 that translate to $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged property.

Liability coverage protects against claims like bail bonds, attorney fees and loss of income. How much liability should you purchase? That is your choice, but you should buy as much as you can afford.

UM/UIM Coverage

Your UM/UIM coverage protects you and your vehicle’s occupants from other drivers when they are uninsured or don’t have enough coverage. Covered losses include injuries to you and your family and damage to your Nissan Xterra.

Since many drivers only carry the minimum required liability limits, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family.

Comprehensive or Other Than Collision

This covers damage OTHER than collision with another vehicle or object. You need to pay your deductible first then your comprehensive coverage will pay.

Comprehensive insurance covers claims like theft, rock chips in glass, hitting a bird, a broken windshield and hail damage. The most you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider removing comprehensive coverage.

Quote more, save more

While you’re price shopping online, make sure you don’t skimp on critical coverages to save a buck or two. There are a lot of situations where an insured dropped liability coverage limits and discovered at claim time that their decision to reduce coverage ended up costing them more. Your goal should be to find the BEST coverage at the best price while still protecting your assets.

In this article, we covered a lot of techniques to save on 2000 Nissan Xterra insurance. The key thing to remember is the more rate quotes you have, the better likelihood of reducing your rate. You may even discover the lowest priced insurance comes from a small mutual company. They often have lower prices on specific markets than their larger competitors like State Farm, GEICO and Nationwide.

More tips and info about insurance is available at these sites:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2000 Nissan Xterra Insurance Rates by City
City Premium
New York City, NY $1,281
Los Angeles, CA $1,380
Philadelphia, PA $1,081
Jacksonville, FL $1,174
Phoenix, AZ $941
Chicago, IL $1,087
Houston, TX $1,269
Seattle, WA $789
Columbus, OH $678
Indianapolis, IN $687

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2000 Nissan Xterra Insurance Rates by Driver Age
Driver Age Premium
16 $3,396
20 $1,842
30 $812
40 $808
50 $746
60 $730

Full coverage, $500 deductibles

Rates by Deductible

2000 Nissan Xterra Insurance Rates with Different Deductibles
Deductible Premium
$100 $896
$250 $856
$500 $808
$1,000 $762

Full coverage, driver age 40

Rates by Liability Limit

Nissan Xterra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $808
50/100 $896
100/300 $1,007
250/500 $1,294
100 CSL $941
300 CSL $1,184
500 CSL $1,361

Full coverage, driver age 40

Rates for High Risk Drivers

2000 Nissan Xterra Insurance Rates for High Risk Drivers
Age Premium
16 $4,740
20 $2,930
30 $1,728
40 $1,730
50 $1,654
60 $1,636

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $103

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $39
Multi-vehicle $43
Homeowner $15
5-yr Accident Free $43
5-yr Claim Free $49
Paid in Full/EFT $24
Advance Quote $32
Online Quote $52
Total Discounts $297
Rate after discounts $511

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2000 Nissan Xterra Insurance Rates by State
State Premium
Alabama $734
Alaska $622
Arizona $672
Arkansas $808
California $920
Colorado $772
Connecticut $832
Delaware $916
Florida $1,012
Georgia $748
Hawaii $580
Idaho $546
Illinois $604
Indiana $608
Iowa $544
Kansas $770
Kentucky $1,104
Louisiana $1,198
Maine $498
Maryland $668
Massachusetts $650
Michigan $1,406
Minnesota $676
Mississippi $970
Missouri $718
Montana $870
Nebraska $638
Nevada $970
New Hampshire $582
New Jersey $904
New Mexico $718
New York $854
North Carolina $466
North Dakota $662
Ohio $560
Oklahoma $832
Oregon $740
Pennsylvania $772
Rhode Island $1,080
South Carolina $734
South Dakota $684
Tennessee $710
Texas $976
Utah $602
Vermont $554
Virginia $486
Washington $626
West Virginia $740
Wisconsin $560
Wyoming $722

Free Auto Insurance Comparison

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