Nissan Xterra Insurance Rates

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UPDATED: Jun 2, 2023

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The average auto insurance rates for a Nissan Xterra are $808 annually including full coverage. Comprehensive costs an estimated $110 each year, collision costs $98, and liability is estimated at $442. Buying just liability costs approximately $496 a year, with insurance for high-risk drivers costing around $1,730. Teenage drivers cost the most to insure at $3,396 a year or more.

Average premium for full coverage: $808

Policy rates broken down by type of insurance:

Comprehensive $110
Collision $98
Liability $442

Full coverage includes $500 comprehensive and collision deductibles, minimum liability limits, and includes both medical and uninsured motorist insurance. Prices are averaged for all 50 U.S. states and Xterra models.

Price Range Variability

For the average 40-year-old driver, Nissan Xterra insurance rates go from as cheap as $496 for minimum levels of liability insurance to a high rate of $1,730 for high-risk insurance.

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

Urban vs. Rural Price Range

Living in a larger city can have significant affects on the price of auto insurance. More rural locations are shown to have fewer comprehensive and collision claims than densely populated cities.

The graphic below illustrates the difference location can make on insurance prices.

Rural Areas $606
Small Cities $848
Large Cities $1,091

The examples above highlight why all drivers should get quotes for a targeted area and their own personal driving habits, instead of using average rates.

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.

Additional Rate Details

The chart below breaks down estimated Nissan Xterra insurance rates for other coverage scenarios.

  • The best discount rate is $511
  • Choosing higher $1,000 deductibles can save approximately $46 every year
  • The estimated rate for a good driver age 40 who has $500 deductibles is $808
  • Using low deductibles for comp and collision coverage will cost $896
  • Unlucky drivers who are prone to accidents and violations could pay up to $1,730 or more
  • Policy cost with full coverage for a teen driver can cost as much as $3,396 each year

View Chart as Image

Nissan Xterra insurance cost comparison chart
Column chart showing full coverage Nissan Xterra insurance rates range from $511 to $3,396

Insurance rates for a Nissan Xterra also range considerably based on the model year and trim level, your driving characteristics, and liability limits and deductibles.

More mature drivers with a clean driving record and high physical damage deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even without any violations or accidents they can expect to pay at least $3,300 a year. View Rates by Age

If you have a few points on your driving record or you caused a few accidents, you are likely paying $1,000 to $1,400 extra every year, depending on your age. Insurance for high-risk drivers ranges as much as 41% to 137% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles can save as much as $140 every year, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will raise rates by up to $398 more per year. View Rates by Deductible or Liability Limit

Your home state plays a big part in determining prices for Nissan Xterra insurance prices. A good driver about age 40 could pay as low as $620 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,160 on average in Louisiana, New York, and Michigan.

Nissan Xterra Insurance Rates by State
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%

View Chart as Image

Nissan Xterra insurance rates by U.S. city

Because rates have so much variability, the best way to figure out which auto insurance is cheapest is to do a rate comparison and see which company has the best rate. Each auto insurer uses a different method to calculate rates, so the rates will be varied between companies.

Insurance Rates by Trim Level and Model Year

Nissan Xterra Insurance Rates by Model and Trim Level
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 2004 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.

Nissan Xterra Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2012 Nissan Xterra $150 $158 $478 $944
2011 Nissan Xterra $140 $144 $474 $916
2009 Nissan Xterra $128 $118 $468 $872
2008 Nissan Xterra $126 $114 $460 $858
2007 Nissan Xterra $124 $110 $452 $844
2006 Nissan Xterra $114 $104 $446 $822
2005 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 Buy More Affordable Nissan Xterra Insurance

Finding cheaper rates on car insurance takes having a decent driving record, having a good credit history, paying for small claims out-of-pocket, and taking advantage of discounts. Make time to compare rates every couple of years by requesting rates from direct car insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.

The following items are a summary of the material that was touched on in this article.

  • Policyholders who want additional liability coverage will pay an extra $490 per year to raise limits from a 30/60 limit to higher 250/500 limits
  • 16 to 18-year-old drivers are charged the highest rates, with premiums being up to $283 each month including comprehensive and collision insurance
  • Higher risk drivers who have multiple accidents or major violations could be forced to pay on average $920 more annually than a driver with a clean driving record
  • Increasing comprehensive and collision deductibles could save up to $125 each year

Rates by Driver Age

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

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 $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

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.

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