Nissan Xterra Insurance Rates
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Michelle Robbins
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UPDATED: Jun 2, 2023
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Estimated auto insurance rates for a Nissan Xterra are $808 annually including full coverage. Comprehensive costs approximately $110 each year, collision insurance costs $98, and liability coverage is $442. Liability-only coverage costs around $496 a year, and high-risk coverage costs around $1,730. Teens pay the most at up to $3,396 a year.
Average premium for full coverage: $808
Premium estimates by type of coverage:
Includes $500 policy deductibles, 30/60 liability limits, and includes uninsured motorist and medical coverage. Rates include averaging for all 50 U.S. states and Xterra models.
Insurance Price Range by Risk and Coverage
For a driver in their 40's, insurance rates for a Nissan Xterra range from as cheap as $496 for the bare minimum liability coverage to a high rate of $1,730 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Choosing to live in a large city has a large influence on car insurance prices. Rural locations are statistically proven to have fewer comprehensive and collision claims than cities with more traffic congestion. The graphic below illustrates how location helps determine auto insurance prices.
These rate differences highlight why all drivers should compare rates quotes using their specific location and their own personal driving habits, rather than using averaged prices.
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 Information
The chart below breaks down average Nissan Xterra insurance rates for additional coverage and risk scenarios.
- The cheapest rate after discounts is $511
- Raising to $1,000 deductibles will save $46 every year
- The estimated rate for a 40-year-old good driver who chooses $500 deductibles is $808
- Selecting low deductibles will cost $896
- Unlucky drivers with serious driving violations could pay around $1,730
- An auto insurance policy with full coverage for a teenage driver can cost $3,396
Insurance prices for a Nissan Xterra also have a wide range based on the model of your Xterra, your driving characteristics, and physical damage deductibles and liability limits.
More mature drivers with a clean driving record and high physical damage deductibles may only pay around $800 every 12 months on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay in the ballpark of $3,300 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying anywhere from $1,000 to $1,400 extra annually, depending on your age. Insurance for high-risk drivers is expensive and can cost around 41% to 137% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $140 a year, whereas increasing liability limits will push prices upward. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit
Where you choose to live also has a big influence on Nissan Xterra insurance rates. A middle-age driver might find prices as low as $620 a year in states like Vermont, New Hampshire, and Missouri, or have to pay at least $1,160 on average in Louisiana, New York, and Michigan.
| 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% |
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 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Nissan Xterra | $140 | $144 | $474 | $916 |
| 2011 Nissan Xterra | $132 | $130 | $474 | $894 |
| 2009 Nissan Xterra | $126 | $114 | $460 | $858 |
| 2008 Nissan Xterra | $124 | $110 | $452 | $844 |
| 2007 Nissan Xterra | $114 | $104 | $446 | $822 |
| 2006 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 the Cheapest Nissan Xterra Insurance
Finding better rates on auto insurance consists of being a good driver, having a good credit history, refrain from filing small claims, and possibly raising deductibles. Invest time comparing rates at every policy renewal by getting quotes from direct car insurance companies, and also from local insurance agencies.
The following list is a recap of the data covered in the charts and tables above.
- Consumers who purchase an increased level of liability coverage will pay approximately $490 per year to raise from 30/60 bodily injury limits to higher 250/500 limits
- You may be able to save around $80 per year just by quoting online in advance
- Increasing policy deductibles could save up to $125 each year
- Drivers age 16 to 20 are expensive to insure, with the cost nearing $283 per month including comprehensive and collision insurance
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.
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