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2003 Nissan Xterra Insurance Rates

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

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: Apr 23, 2020

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Average insurance rates for a 2003 Nissan Xterra are $844 a year for full coverage insurance. Comprehensive costs around $124 each year, collision insurance costs $110, and liability insurance costs around $452. Buying a liability-only policy costs as low as $504 a year, and high-risk insurance costs around $1,798. Teenage drivers receive the highest rates at up to $3,500 a year.

Annual premium for full coverage: $844

Rate estimates for 2003 Nissan Xterra Insurance

Comprehensive $124
Collision $110
Liability $452

Rate data is compiled from all 50 U.S. states and averaged for all 2003 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 a middle-aged driver, prices range range from as low as $504 for just liability insurance to a high rate of $1,798 for a high risk driver.

Liability Only $504
Full Coverage $844
High Risk $1,798

View Chart as Image

2003 Nissan Xterra insurance rates compared
Column chart showing 2003 Nissan Xterra insurance prices range from $531 to $3,500 for full coverage

These differences illustrate why all drivers should compare prices for a specific zip code and risk profile, rather than relying on 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 2003 Nissan Xterra Insurance

Searching Companies

Searching for cheaper insurance for your Nissan Xterra can be a lot of work, but you can follow these tips to make it easier.

There is a right way and a wrong way to find insurance coverage online so we’re going to tell you the absolute fastest way to quote coverages for a Nissan and find the cheapest rates.

Save big with these six discounts

The cost of insuring your cars can be expensive, but you may find discounts to cut the cost considerably. Some trigger automatically when you purchase, but lesser-known reductions have to be specifically requested prior to receiving the credit. If you’re not getting every credit you deserve, you are throwing money away.

  • Discount for Good Grades – This discount can get you a discount of up to 25%. The discount lasts until age 25.
  • Low Mileage Discounts – Fewer annual miles on your Nissan could qualify for a substantially lower rate.
  • Safety Course Discount – Taking a course in driver safety can save you 5% or more if your company offers it.
  • Safe Driver Discount – Insureds without accidents may receive a discount up to 45% less on Xterra insurance than their less cautious counterparts.
  • Service Members Pay Less – Being on active duty in the military could be rewarded with lower premiums.
  • Accident Forgiveness – Some insurance companies will forgive one accident before raising your premiums if you are claim-free for a certain period of time.

It’s important to understand that most credits do not apply the whole policy. Most only cut the price of certain insurance coverages like comp or med pay. Even though it may seem like you can get free auto insurance, companies wouldn’t make money that way. Any amount of discount will cut your overall premium however.

For a list of companies with the best insurance discounts, click here.

Fast and Easy Insurance Coverage Quotes

Finding a better price on insurance coverage doesn’t have to be difficult. Consumers just need to spend a few minutes on the computer to compare rate quotes provided by online insurance companies. This is very easy and can be done using a couple different methods.

The easiest and least time consuming way consumers can analyze rates is to use a rate comparison form (click to open form in new window). This method eliminates the need for separate quote forms for every insurance coverage company. A single, simple form will get you price quotes from all major companies. This is perfect if you don’t have a lot of time.

A harder way to get quotes online requires a visit to each company’s website and request a quote. For sake of this example, we’ll assume you want to compare rates from Auto-Owners, Liberty Mutual and GMAC. To find out each rate you need to go to every website and enter your information, and that’s why the first method is more popular. For a list of links to insurance companies in your area, click here.

The most time-consuming way to get comparison rates is to waste gas driving to local insurance agencies. Buying insurance online has reduced the need for local agents unless you have a need for the trained guidance of a licensed agent. However, consumers can compare the best prices online and still use a local agent and we’ll touch on that later.

It’s up to you how you get prices quotes, just make darn sure you compare exactly the same coverages and limits on every quote you get. If your comparisons have unequal deductibles or liability limits it’s impossible to find the best deal for your Nissan Xterra.

Free Auto Insurance Comparison

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

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But I don’t know anything about car insurance

When it comes to buying adequate coverage, there isn’t really a “best” method to buy coverage. Your needs are not the same as everyone else’s.

For instance, these questions may help highlight if you would benefit from an agent’s advice.

  • When should my teen driver be added to my policy?
  • Is borrowed equipment or tools covered if stolen or damaged?
  • Is my Nissan Xterra covered if I use it for business?
  • Does coverage extend to a rental car in a foreign country?
  • What if I total my 2003 Nissan Xterra and owe more than it’s worth?
  • Am I covered if I crash into my own garage door?
  • Is my teen driver covered when they drive my company car?
  • I have a DUI can I still get coverage?
  • Am I covered if my car is in a flood?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, take a second and complete this form. It’s fast, doesn’t cost anything and may give you better protection.

Specific coverages for a Nissan Xterra

Learning about specific coverages of your policy can be of help when determining appropriate coverage for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording.

Coverage for medical payments – Coverage for medical payments and/or PIP reimburse you for immediate expenses for ambulance fees, pain medications and EMT expenses. They are utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to not only the driver but also the vehicle occupants in addition to getting struck while a pedestrian. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured and underinsured coverage – This provides protection from other drivers when they either are underinsured or have no liability coverage at all. This coverage pays for injuries to you and your family as well as your vehicle’s damage.

Since many drivers carry very low liability coverage limits, it only takes a small accident to exceed their coverage. That’s why carrying high Uninsured/Underinsured Motorist coverage should not be overlooked. Frequently these limits are identical to your policy’s liability coverage.

Comprehensive coverages – This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and then insurance will cover the rest of the damage.

Comprehensive insurance covers things like rock chips in glass, vandalism, damage from a tornado or hurricane, damage from flooding and a broken windshield. The most your auto insurance company will pay is the actual cash value, so if it’s not worth much more than your deductible consider dropping full coverage.

Liability auto insurance – Liability coverage will cover damages or injuries you inflict on a person or their property in an accident. It consists of three limits, bodily injury for each person injured, bodily injury for the entire accident and a property damage limit. Your policy might show policy limits of 25/50/25 that means you have a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property. Another option is one number which is a combined single limit which limits claims to one amount with no separate limits for injury or property damage.

Liability coverage pays for things such as medical expenses, repair bills for other people’s vehicles and repair costs for stationary objects. How much coverage you buy is a personal decision, but you should buy as large an amount as possible.

Collision coveragesCollision insurance pays for damage to your Xterra from colliding with another car or object. A deductible applies then your collision coverage will kick in.

Collision coverage pays for claims such as sideswiping another vehicle, scraping a guard rail, rolling your car and crashing into a building. Collision coverage makes up a good portion of your premium, so analyze the benefit of dropping coverage from vehicles that are 8 years or older. Another option is to increase the deductible in order to get cheaper collision rates.

In any little way, save everyday

When trying to cut insurance costs, it’s a bad idea to buy poor coverage just to save money. In many cases, an insured cut uninsured motorist or liability limits and found out when filing a claim that the savings was not a smart move. The ultimate goal is to purchase a proper amount of coverage for the lowest price while not skimping on critical coverages.

Consumers leave their current company for any number of reasons including unfair underwriting practices, denial of a claim, not issuing a premium refund and poor customer service. It doesn’t matter what your reason, choosing a new company is pretty simple and you could end up saving a buck or two.

We covered a lot of techniques to lower your 2003 Nissan Xterra insurance rates. The most important thing to understand is the more rate quotes you have, the better your chances of lowering your rates. Consumers may even find the most savings is with the least-expected company.

More resources

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2003 Nissan Xterra Insurance Rates by City
City Premium
New York City, NY $1,332
Los Angeles, CA $1,440
Philadelphia, PA $1,126
Jacksonville, FL $1,225
Phoenix, AZ $977
Chicago, IL $1,130
Houston, TX $1,323
Seattle, WA $822
Columbus, OH $707
Indianapolis, IN $716

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2003 Nissan Xterra Insurance Rates by Driver Age
Driver Age Premium
16 $3,500
20 $1,914
30 $848
40 $844
50 $776
60 $758

Full coverage, $500 deductibles

Rates by Deductible

2003 Nissan Xterra Insurance Rates with Different Deductibles
Deductible Premium
$100 $942
$250 $898
$500 $844
$1,000 $790

Full coverage, driver age 40

Rates by Liability Limit

Nissan Xterra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $844
50/100 $934
100/300 $1,047
250/500 $1,341
100 CSL $980
300 CSL $1,228
500 CSL $1,409

Full coverage, driver age 40

Rates for High Risk Drivers

2003 Nissan Xterra Insurance Rates for High Risk Drivers
Age Premium
16 $4,894
20 $3,042
30 $1,800
40 $1,798
50 $1,722
60 $1,704

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 $108

Potential Rate Discounts

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

Discount Savings
Multi-policy $41
Multi-vehicle $45
Homeowner $16
5-yr Accident Free $45
5-yr Claim Free $51
Paid in Full/EFT $26
Advance Quote $34
Online Quote $55
Total Discounts $313
Rate after discounts $531

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

Find companies with the cheapest rates in your area

2003 Nissan Xterra Insurance Rates by State
State Premium
Alabama $764
Alaska $648
Arizona $698
Arkansas $844
California $960
Colorado $804
Connecticut $868
Delaware $954
Florida $1,056
Georgia $778
Hawaii $606
Idaho $570
Illinois $628
Indiana $634
Iowa $568
Kansas $802
Kentucky $1,152
Louisiana $1,248
Maine $520
Maryland $694
Massachusetts $676
Michigan $1,466
Minnesota $706
Mississippi $1,010
Missouri $748
Montana $906
Nebraska $666
Nevada $1,012
New Hampshire $608
New Jersey $942
New Mexico $748
New York $888
North Carolina $488
North Dakota $692
Ohio $584
Oklahoma $866
Oregon $772
Pennsylvania $804
Rhode Island $1,126
South Carolina $764
South Dakota $710
Tennessee $738
Texas $1,018
Utah $626
Vermont $576
Virginia $504
Washington $652
West Virginia $772
Wisconsin $584
Wyoming $752

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