Nissan Xterra Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
UPDATED: Jun 2, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. average insurance prices for a Nissan Xterra are $808 every 12 months for full coverage insurance. Comprehensive costs around $110, collision costs $98, and liability insurance is $442. Buying just liability costs around $496 a year, with insurance for high-risk drivers costing around $1,730. Teen drivers pay the highest rates at $3,396 a year or more.
Average premium for full coverage: $808
Price estimates for individual coverage:
Rate estimates include $500 physical damage deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for different Xterra trim levels.
Price Range from Low to High
Using a 40-year-old driver as an example, Nissan Xterra insurance prices go from the cheapest price of $496 for a discount liability-only rate to a much higher rate of $1,730 for a high-risk driver policy.
Geographic Price Range
Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population have more infrequent physical damage claims than larger metro areas.
The price range example below illustrates how rural and urban location affects auto insurance rates.
The ranges above illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, rather than relying on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
Rates by State, City, and Model
The chart below illustrates estimated Nissan Xterra insurance rates for additional coverage choices and driver risks.
- The lowest rate with discounts is $511
- Raising to $1,000 deductibles will save about $46 each year
- The average price for the average middle-age driver using $500 deductibles is $808
- Choosing more expensive low deductibles increases the price to $896
- Higher-risk drivers with multiple violations and an at-fault accident could pay at least $1,730 or more
- The price to insure a teen driver with full coverage can be $3,396
Insurance prices for a Nissan Xterra are also quite variable based on deductibles and policy limits, your risk profile, and the trim level and model year.
Choosing high deductibles can reduce prices by up to $140 each year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles could pay as little as $800 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay as much as $3,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,000 to $1,400 additional each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 41% to 137% more than average. View High Risk Driver Rates
The state you live in also has a big influence on Nissan Xterra insurance rates. A middle-age driver might find prices as low as $530 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $1,100 on average in Michigan, New York, and Florida.
State | Premium | Compared to U.S. Avg | Percent Difference |
---|---|---|---|
Alabama | $734 | -$74 | -9.2% |
Alaska | $622 | -$186 | -23.0% |
Arizona | $672 | -$136 | -16.8% |
Arkansas | $808 | -$0 | 0.0% |
California | $920 | $112 | 13.9% |
Colorado | $772 | -$36 | -4.5% |
Connecticut | $832 | $24 | 3.0% |
Delaware | $916 | $108 | 13.4% |
Florida | $1,012 | $204 | 25.2% |
Georgia | $748 | -$60 | -7.4% |
Hawaii | $580 | -$228 | -28.2% |
Idaho | $546 | -$262 | -32.4% |
Illinois | $604 | -$204 | -25.2% |
Indiana | $608 | -$200 | -24.8% |
Iowa | $544 | -$264 | -32.7% |
Kansas | $770 | -$38 | -4.7% |
Kentucky | $1,104 | $296 | 36.6% |
Louisiana | $1,198 | $390 | 48.3% |
Maine | $498 | -$310 | -38.4% |
Maryland | $668 | -$140 | -17.3% |
Massachusetts | $650 | -$158 | -19.6% |
Michigan | $1,406 | $598 | 74.0% |
Minnesota | $676 | -$132 | -16.3% |
Mississippi | $970 | $162 | 20.0% |
Missouri | $718 | -$90 | -11.1% |
Montana | $870 | $62 | 7.7% |
Nebraska | $638 | -$170 | -21.0% |
Nevada | $970 | $162 | 20.0% |
New Hampshire | $582 | -$226 | -28.0% |
New Jersey | $904 | $96 | 11.9% |
New Mexico | $718 | -$90 | -11.1% |
New York | $854 | $46 | 5.7% |
North Carolina | $466 | -$342 | -42.3% |
North Dakota | $662 | -$146 | -18.1% |
Ohio | $560 | -$248 | -30.7% |
Oklahoma | $832 | $24 | 3.0% |
Oregon | $740 | -$68 | -8.4% |
Pennsylvania | $772 | -$36 | -4.5% |
Rhode Island | $1,080 | $272 | 33.7% |
South Carolina | $734 | -$74 | -9.2% |
South Dakota | $684 | -$124 | -15.3% |
Tennessee | $710 | -$98 | -12.1% |
Texas | $976 | $168 | 20.8% |
Utah | $602 | -$206 | -25.5% |
Vermont | $554 | -$254 | -31.4% |
Virginia | $486 | -$322 | -39.9% |
Washington | $626 | -$182 | -22.5% |
West Virginia | $740 | -$68 | -8.4% |
Wisconsin | $560 | -$248 | -30.7% |
Wyoming | $722 | -$86 | -10.6% |
Since prices can be so different, the only way to figure out your exact price is to compare prices from as many companies as possible. Every auto insurance company uses a different rate calculation, and prices may be quite different.
Insurance Rates by Trim Level and Model Year
Model and Trim | Annual Premium | Monthly Premium |
---|---|---|
Nissan Xterra X 2WD | $802 | $67 |
Nissan Xterra S 2WD | $808 | $67 |
Nissan Xterra S 4WD | $808 | $67 |
Nissan Xterra X 4WD | $808 | $67 |
Nissan Xterra Off Road 4WD | $824 | $69 |
Nissan Xterra SE 2WD | $824 | $69 |
Nissan Xterra SE 4WD | $836 | $70 |
Rates assume 2000 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.
Model Year | Comprehensive | Collision | Liability | Total Premium |
---|---|---|---|---|
2012 Nissan Xterra | $156 | $174 | $474 | $962 |
2011 Nissan Xterra | $150 | $158 | $478 | $944 |
2009 Nissan Xterra | $132 | $130 | $474 | $894 |
2008 Nissan Xterra | $128 | $118 | $468 | $872 |
2007 Nissan Xterra | $126 | $114 | $460 | $858 |
2006 Nissan Xterra | $124 | $110 | $452 | $844 |
2005 Nissan Xterra | $114 | $104 | $446 | $822 |
2004 Nissan Xterra | $110 | $98 | $442 | $808 |
Rates are averaged for all Nissan Xterra models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for the Best Nissan Xterra Insurance
Getting lower rates on Nissan Xterra insurance consists of being a safe and courteous driver, having above-average credit, not filing small claims, and taking advantage of discounts. Set aside time to shop around every time your policy renews by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.
Below is a brief recap of the information raised in the charts and tables above.
- It is possible to save up to $80 per year simply by shopping early and online
- Teenage drivers are charged the highest prices, as much as $283 a month if full coverage is included
- Increasing physical damage deductibles could save as much as $125 each year
- High-risk drivers who tend to receive serious violations may pay on average $920 more every year for auto insurance
- Drivers who may need higher levels of liability will pay about $490 annually to raise from a low limit to a 250/500 level
Rate Tables and Charts
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
Deductible | Premium |
---|---|
$100 | $896 |
$250 | $856 |
$500 | $808 |
$1,000 | $762 |
Full coverage, driver age 40
Rates by Liability Limit
Liability Limit | Premium |
---|---|
30/60 | $808 |
50/100 | $924 |
100/300 | $1,035 |
250/500 | $1,322 |
100 CSL | $969 |
300 CSL | $1,212 |
500 CSL | $1,389 |
Full coverage, driver age 40
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.
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 |
Discounts are estimated and may not be available from every company or in every state.
Compare Rates and Save
Find companies with the cheapest rates in your area