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2011 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: Apr 23, 2020

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Average insurance rates for a 2011 Nissan Xterra are $994 a year for full coverage. Comprehensive costs an estimated $172, collision costs $200, and liability costs $464. Buying a liability-only policy costs as little as $514 a year, with high-risk insurance costing around $2,130. Teenage drivers receive the highest rates at $3,990 a year or more.

Annual premium for full coverage: $994

Rate estimates for 2011 Nissan Xterra Insurance

Comprehensive $172
Collision $200
Liability $464

Rate data is compiled from all 50 U.S. states and averaged for all 2011 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 go from as low as $514 for just liability insurance to a much higher rate of $2,130 for a driver that may need high-risk insurance.

Liability Only $514
Full Coverage $994
High Risk $2,130

View Chart as Image

2011 Nissan Xterra insurance rates compared
Column chart showing 2011 Nissan Xterra insurance prices range from $607 to $3,990 for full coverage

These differences show why anyone shopping for car insurance should compare rates for a targeted area and risk profile, instead of 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 2011 Nissan Xterra Insurance

Searching Companies

Looking for better insurance coverage rates for your Nissan Xterra? Scraping up a payment for overpriced Nissan Xterra insurance can drain your personal savings and put a big crunch on your finances. Shopping your coverage around is free, only takes a few minutes, and is a good way to reduce premiums and put more money in your pocket.

Companies like Progressive, State Farm and GEICO constantly bombard you with TV and radio ads and it can be hard to see past the corporate glitz and effectively compare rates to find the best deal.

Consumers should take time to compare prices yearly due to the fact that insurance rates are variable and change quite frequently. Just because you found the best price for Xterra insurance a few years ago you can probably find a lower rate today. Starting right now, block out anything you think you know about insurance coverage because you’re about to learn the fastest way to reduce your cost while increasing coverage.

If you are paying for car insurance now, you should be able to save some money using this information. Finding affordable coverage is not rocket science. But vehicle owners benefit from understanding the way companies price insurance differently.

Save money by taking advantage of these discounts

Companies don’t always publicize all their discounts very well, so we took the time to find both the well known and the more hidden savings tricks you should be using.

  • Defensive Driving Course – Taking part in a course in driver safety could possibly earn you a 5% discount and easily recoup the cost of the course.
  • Safe Driver Discount – Safe drivers may save up to 50% more for Xterra insurance than drivers with accidents.
  • Life Insurance Discount – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Driver’s Ed – Have your child take driver’s ed class in school.
  • Theft Prevention Discount – Anti-theft and alarm systems are stolen less frequently and qualify for as much as a 10% discount.
  • Homeowners Savings – Simply owning a home may earn you a small savings due to the fact that maintaining a home requires personal responsibility.

A little note about advertised discounts, some of the credits will not apply to all coverage premiums. Most only apply to specific coverage prices like physical damage coverage or medical payments. Just because you may think you could get a free auto insurance policy, companies wouldn’t make money that way.

Companies who might offer these discounts include:

Check with each company which discounts you may be entitled to. All car insurance discounts may not apply in every state.

Nissan Xterra insurance premiums are calculated by many factors

An important part of buying insurance is that you know some of the elements that go into determining your insurance rates. When you know what positively or negatively influences your rates enables informed choices that could result in lower insurance prices.

Listed below are a few of the “ingredients” insurance companies consider when setting premiums.

  • More claims means more premium – Car insurance companies provide lower rates to policyholders who do not file claims often. If you are a frequent claim filer, you can look forward to either a policy non-renewal or much higher rates. Insurance coverage is intended to be relied upon for larger claims.
  • A clean driving record saves money – Drivers who don’t get tickets have lower premiums compared to drivers with tickets. Even one ticket can bump up the cost twenty percent or more. Drivers with flagrant tickets like DUI or reckless driving are required to submit a SR-22 or proof of financial responsibility to the state department of motor vehicles in order to keep their license.
  • Higher safety ratings means cheaper insurance – Vehicles with high crash test scores can get you lower premiums. These vehicles have better occupant injury protection and lower injury rates translates into savings for insurance companies passed on to you as lower rates. If your Nissan has ratings of a minimum four stars on Safercar.gov or an “acceptable” rating on iihs.org you are probably receiving a discount.
  • Marriage brings a discount – Getting married actually saves money on your insurance policy. Marriage means you’re more responsible and it’s proven that married drivers get in fewer accidents.
  • Do men or women drive better? – Statistics show women are more cautious behind the wheel. However, don’t assume that women are better drivers. Men and women tend to get into accidents at a similar rate, but the men cause more damage and cost insurance companies more money. Men also statistically receive more costly citations like reckless driving and DUI.
  • Your car’s features help determine rates – Purchasing a vehicle with a theft deterrent system can get you a discount on your insurance. Anti-theft features like GM’s OnStar, tamper alarm systems and vehicle immobilizers all aid in stopping auto theft.
  • Don’t get talked into coverage you don’t need – There are many add-on coverages you can purchase on your insurance policy. Coverages like personal injury protection, better glass coverage and membership fees are examples of these. They may seem good at first, but your needs may have changed so get rid of them and save.
  • Do you know you’re credit rating? – A driver’s credit score is a huge factor in determining your rates. If your credit history is lower than you’d like, you could potentially save money when insuring your 2011 Nissan Xterra by improving your rating. Consumers who have high credit ratings tend to be less risk to insure as compared to drivers with poor credit.

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When should I use an insurance agent?

When it comes to choosing the right insurance coverage, there isn’t really a single plan that fits everyone. Each situation is unique so your insurance should reflect that For instance, these questions could help you determine whether your personal situation could use an agent’s help.

  • If my pet gets injured in an accident are they covered?
  • Why am I required to buy high-risk coverage?
  • Do I pay less for low miles?
  • Why am I be forced to buy a membership to get insurance from some companies?
  • What is covered by UM/UIM coverage?
  • When should I buy a commercial auto policy?
  • Can I afford low physical damage deductibles?
  • How much liability do I need to cover my assets?

If you don’t know the answers to these questions but a few of them apply then you might want to talk to an insurance agent. To find lower rates from a local agent, take a second and complete this form or go to this page to view a list of companies.

Auto insurance coverage information

Having a good grasp of your auto insurance policy can be of help when determining appropriate coverage and the correct deductibles and limits. The terms used in a policy can be ambiguous and reading a policy is terribly boring. Listed below are typical coverage types available from auto insurance companies.

Comprehensive coverages

This coverage pays for damage that is not covered by collision coverage. You first must pay your deductible then your comprehensive coverage will pay.

Comprehensive insurance covers things such as rock chips in glass, hitting a bird, fire damage and damage from flooding. 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.

Coverage for medical payments

Coverage for medical payments and/or PIP kick in for expenses for chiropractic care, surgery and rehabilitation expenses. They are used in conjunction with a health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers getting struck while a pedestrian. PIP coverage is not an option in every state but it provides additional coverages not offered by medical payments coverage

Liability insurance

Liability coverage can cover damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU against claims from other people, and does not provide coverage for damage sustained by your vehicle in an accident.

Split limit liability has three limits of coverage: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that means you have a $50,000 limit per person for injuries, a per accident bodily injury limit of $100,000, and a limit of $50,000 paid for damaged property.

Liability can pay for claims like pain and suffering, emergency aid, funeral expenses and repair costs for stationary objects. How much coverage you buy is up to you, but buy higher limits if possible.

Uninsured and underinsured coverage

This coverage protects you and your vehicle from other drivers when they either have no liability insurance or not enough. This coverage pays for injuries sustained by your vehicle’s occupants and also any damage incurred to your Nissan Xterra.

Because many people have only the minimum liability required by law, their liability coverage can quickly be exhausted. For this reason, having high UM/UIM coverages should not be overlooked.

Collision protection

This coverage covers damage to your Xterra caused by collision with an object or car. You first must pay a deductible and then insurance will cover the remainder.

Collision insurance covers things such as rolling your car, crashing into a ditch and hitting a mailbox. This coverage can be expensive, so you might think about dropping it from vehicles that are older. You can also choose a higher deductible to get cheaper collision coverage.

Saving money is sweet as honey

Discount 2011 Nissan Xterra insurance is definitely available on the web and with local insurance agents, so you should be comparing quotes from both in order to have the best chance of saving money. Some companies do not offer you the ability to get quotes online and these regional insurance providers work with independent agents.

As you go through the steps to switch your coverage, it’s a bad idea to sacrifice coverage to reduce premiums. There are many occasions where someone dropped full coverage only to regret that the small savings ended up costing them much more. Your focus should be to purchase a proper amount of coverage at the best price while not skimping on critical coverages.

For more information, feel free to visit the articles below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2011 Nissan Xterra Insurance Rates by City
City Premium
New York City, NY $1,569
Los Angeles, CA $1,701
Philadelphia, PA $1,330
Jacksonville, FL $1,443
Phoenix, AZ $1,156
Chicago, IL $1,336
Houston, TX $1,560
Seattle, WA $968
Columbus, OH $830
Indianapolis, IN $848

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2011 Nissan Xterra Insurance Rates by Driver Age
Driver Age Premium
16 $3,990
20 $2,260
30 $1,010
40 $994
50 $914
60 $894

Full coverage, $500 deductibles

Rates by Deductible

2011 Nissan Xterra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,154
$250 $1,082
$500 $994
$1,000 $908

Full coverage, driver age 40

Rates by Liability Limit

Nissan Xterra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $994
50/100 $1,087
100/300 $1,203
250/500 $1,504
100 CSL $1,133
300 CSL $1,388
500 CSL $1,574

Full coverage, driver age 40

Rates for High Risk Drivers

2011 Nissan Xterra Insurance Rates for High Risk Drivers
Age Premium
16 $5,612
20 $3,598
30 $2,148
40 $2,130
50 $2,038
60 $2,018

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 $131

Potential Rate Discounts

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

Discount Savings
Multi-policy $50
Multi-vehicle $53
Homeowner $18
5-yr Accident Free $59
5-yr Claim Free $62
Paid in Full/EFT $35
Advance Quote $43
Online Quote $67
Total Discounts $387
Rate after discounts $607

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

Find companies with the cheapest rates in your area

2011 Nissan Xterra Insurance Rates by State
State Premium
Alabama $902
Alaska $764
Arizona $826
Arkansas $994
California $1,134
Colorado $952
Connecticut $1,024
Delaware $1,126
Florida $1,244
Georgia $918
Hawaii $716
Idaho $672
Illinois $742
Indiana $750
Iowa $672
Kansas $946
Kentucky $1,358
Louisiana $1,472
Maine $614
Maryland $822
Massachusetts $798
Michigan $1,728
Minnesota $832
Mississippi $1,192
Missouri $882
Montana $1,068
Nebraska $786
Nevada $1,192
New Hampshire $716
New Jersey $1,112
New Mexico $882
New York $1,046
North Carolina $574
North Dakota $814
Ohio $686
Oklahoma $1,022
Oregon $912
Pennsylvania $950
Rhode Island $1,328
South Carolina $902
South Dakota $840
Tennessee $872
Texas $1,200
Utah $738
Vermont $682
Virginia $594
Washington $768
West Virginia $912
Wisconsin $688
Wyoming $886

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