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2008 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: Nov 19, 2021

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Average insurance rates for a 2008 Nissan Xterra are $944 a year with full coverage. Comprehensive insurance costs on average $150 each year, collision costs $158, and liability coverage costs $478. Buying a liability-only policy costs as little as $526 a year, with high-risk insurance costing $2,022 or more. Teenage drivers receive the highest rates at $3,852 a year or more.

Annual premium for full coverage: $944

Rate estimates for 2008 Nissan Xterra Insurance

Comprehensive $150
Collision $158
Liability $478

Rate data is compiled from all 50 U.S. states and averaged for all 2008 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 driver in their 40's, prices range go from as low as $526 for basic liability insurance to a high rate of $2,022 for a driver who has had serious violations or accidents.

Liability Only $526
Full Coverage $944
High Risk $2,022

View Chart as Image

2008 Nissan Xterra insurance rates compared
Column chart showing 2008 Nissan Xterra insurance prices range from $583 to $3,852 for full coverage

These differences demonstrate why all drivers should compare rates 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 2008 Nissan Xterra Insurance

Searching Companies

Trying to find better insurance coverage rates for your Nissan Xterra? Paying for high-priced Nissan Xterra insurance can dwindle your checking account and put the squeeze on your family’s finances. Comparing price quotes is a great way to tighten up your finances.

Many auto insurance companies compete for your insurance dollar, and because of this it can be hard to compare insurers to discover the definitive lowest price

Discounts to lower Nissan Xterra insurance rates

Companies don’t necessarily list every available discount very clearly, so we break down both the well known and the more hidden ways to save on car insurance.

  • Military Rewards – Being deployed with a military unit can result in better rates.
  • Accident Waiver – Some insurance companies permit an accident without raising rates as long as you don’t have any claims for a particular time prior to the accident.
  • Own a Home – Owning a house may earn you a small savings because of the fact that having a home demonstrates responsibility.
  • Anti-theft Discount – Vehicles with anti-theft systems are stolen less frequently and earn discounts up to 10%.
  • No Accidents – Good drivers with no accidents pay much less as compared to accident-prone drivers.
  • Discounts for Safe Drivers – Drivers who don’t get into accidents can get discounts for up to 45% lower rates for Xterra insurance than drivers with accident claims.

Keep in mind that most of the big mark downs will not be given the whole policy. Some only apply to the cost of specific coverages such as collision or personal injury protection. Just because it seems like you can get free auto insurance, companies wouldn’t make money that way.

A partial list of companies who might offer these benefits may include but are not limited to:

  • GEICO
  • USAA
  • Progressive
  • American Family
  • Esurance
  • Farmers Insurance
  • State Farm

Check with each insurance company what discounts are available to you. All car insurance discounts may not be available in every state.

Auto Insurance Quote Comparison

There are several ways of comparing rates from different insurance companies. The easiest way by far to find the cheapest 2008 Nissan Xterra insurance rates is to perform an online rate comparison. This can be done in a couple of different ways.

The single most time-saving way to compare a lot of rates at once would be an industry-wide quote request form click to view form in new window. This easy form saves time by eliminating separate quotes for each company. One quote request will return price quotes instantly.

A less efficient way to find lower rates is to take the time to go to the website for every company you want to comare and fill out their own quote form. For example, let’s say you want rates from GEICO, State Farm and Progressive. You would have to take the time to go to each site to input your insurance information, which is why the first method is quicker.

For a list of links to insurance companies in your area, click here.

However you get your quotes, make sure you use identical coverage limits on every quote. If you enter higher or lower deductibles it’s impossible to find the best deal for your Nissan Xterra. Slightly different coverage limits may cause a big price difference. And when comparing auto insurance rates, know that comparing more company’s prices will improve the odds of getting lower pricing.

Free Auto Insurance Comparison

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

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Tailor your coverage to you

When buying the best insurance coverage coverage for your personal vehicles, there really is no “best” method to buy coverage. Everyone’s situation is unique and a cookie cutter policy won’t apply. For example, these questions can aid in determining if your insurance needs may require specific advice.

  • Will filing a claim cost me more?
  • Should I have combined single limit or split liability limits?
  • Am I covered when delivering products for my home-based business?
  • Is my state a no-fault state?
  • Should I rate my 2008 Nissan Xterra as pleasure use or commute?
  • Do I have coverage if my license is suspended?
  • Do I need PIP coverage since I have good health insurance?
  • Where can I find DUI or SR-22 insurance?
  • Should I bundle my homeowners policy with my auto?
  • Do I have newly-aquired coverage?

If you’re not sure about those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find an agent in your area, take a second and complete this form or you can also visit this page to select a carrier

Parts of your insurance policy

Having a good grasp of a insurance policy can help you determine the best coverages and the correct deductibles and limits. The coverage terms in a policy can be impossible to understand and reading a policy is terribly boring. Listed below are typical coverage types found on most insurance policies.

Uninsured and underinsured coverage

Uninsured or Underinsured Motorist coverage protects you and your vehicle from other motorists when they either have no liability insurance or not enough. It can pay for medical payments for you and your occupants and also any damage incurred to your Nissan Xterra.

Since a lot of drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Coverage for collisions

This coverage pays to fix your vehicle from damage resulting from a collision with a stationary object or other vehicle. A deductible applies then your collision coverage will kick in.

Collision insurance covers claims such as hitting a parking meter, hitting a mailbox, colliding with a tree and rolling your car. Collision coverage makes up a good portion of your premium, so consider removing coverage from older vehicles. You can also increase the deductible to save money on collision insurance.

Comprehensive coverages

Comprehensive insurance will pay to fix damage caused by mother nature, theft, vandalism and other events. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as falling objects, damage from a tornado or hurricane, a tree branch falling on your vehicle, hitting a bird and rock chips in glass. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value consider removing comprehensive coverage.

Liability car insurance

This coverage protects you from damage that occurs to a person or their property by causing an accident. This coverage protects you from legal claims by others. 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. You might see values of 25/50/25 that means you have $25,000 bodily injury coverage, $50,000 for the entire accident, and $25,000 of coverage for damaged property.

Liability coverage pays for things like emergency aid, bail bonds and repair costs for stationary objects. How much liability should you purchase? That is your choice, but buy as much as you can afford.

Coverage for medical payments

Med pay and PIP coverage pay for expenses for surgery, ambulance fees and hospital visits. They can be used to cover expenses not covered by your health insurance policy or if you do not have health coverage. Coverage applies to all vehicle occupants and also covers if you are hit as a while walking down the street. Personal Injury Protection is not an option in every state and may carry a deductible

Shop Smart and Save

Discount 2008 Nissan Xterra insurance is available online in addition to many insurance agents, so compare prices from both so you have a total pricing picture. A few companies do not provide online quoting and many times these small insurance companies only sell through independent insurance agents.

When shopping online for car insurance, you should never sacrifice coverage to reduce premiums. In many instances, drivers have reduced uninsured motorist or liability limits and found out when filing a claim that their decision to reduce coverage ended up costing them more. The proper strategy is to buy a smart amount of coverage at a price you can afford while still protecting your assets.

In this article, we presented many ideas to lower your insurance rates. The key concept to understand is the more rate comparisons you have, the higher your chance of finding lower rates. Consumers could even find that the best prices are with the smaller companies. Some small companies often have lower prices on specific markets as compared to the big name companies such as Allstate or State Farm.

More detailed car insurance information can be read at these sites:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2008 Nissan Xterra Insurance Rates by City
City Premium
New York City, NY $1,491
Los Angeles, CA $1,614
Philadelphia, PA $1,263
Jacksonville, FL $1,371
Phoenix, AZ $1,098
Chicago, IL $1,267
Houston, TX $1,482
Seattle, WA $920
Columbus, OH $789
Indianapolis, IN $802

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2008 Nissan Xterra Insurance Rates by Driver Age
Driver Age Premium
16 $3,852
20 $2,142
30 $956
40 $944
50 $870
60 $848

Full coverage, $500 deductibles

Rates by Deductible

2008 Nissan Xterra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,076
$250 $1,018
$500 $944
$1,000 $872

Full coverage, driver age 40

Rates by Liability Limit

Nissan Xterra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $944
50/100 $1,040
100/300 $1,159
250/500 $1,470
100 CSL $1,087
300 CSL $1,350
500 CSL $1,542

Full coverage, driver age 40

Rates for High Risk Drivers

2008 Nissan Xterra Insurance Rates for High Risk Drivers
Age Premium
16 $5,410
20 $3,416
30 $2,034
40 $2,022
50 $1,936
60 $1,914

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 $124

Potential Rate Discounts

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

Discount Savings
Multi-policy $47
Multi-vehicle $51
Homeowner $17
5-yr Accident Free $54
5-yr Claim Free $58
Paid in Full/EFT $31
Advance Quote $40
Online Quote $63
Total Discounts $361
Rate after discounts $583

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

Find companies with the cheapest rates in your area

2008 Nissan Xterra Insurance Rates by State
State Premium
Alabama $854
Alaska $724
Arizona $784
Arkansas $944
California $1,076
Colorado $902
Connecticut $972
Delaware $1,068
Florida $1,182
Georgia $872
Hawaii $678
Idaho $638
Illinois $704
Indiana $710
Iowa $636
Kansas $900
Kentucky $1,290
Louisiana $1,398
Maine $584
Maryland $778
Massachusetts $756
Michigan $1,642
Minnesota $790
Mississippi $1,130
Missouri $838
Montana $1,016
Nebraska $744
Nevada $1,134
New Hampshire $680
New Jersey $1,056
New Mexico $836
New York $994
North Carolina $542
North Dakota $774
Ohio $652
Oklahoma $970
Oregon $864
Pennsylvania $902
Rhode Island $1,260
South Carolina $854
South Dakota $798
Tennessee $828
Texas $1,140
Utah $700
Vermont $648
Virginia $564
Washington $730
West Virginia $864
Wisconsin $654
Wyoming $842

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