Nissan Xterra Insurance Rates
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Dani Best
Licensed Insurance Producer
Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...
Licensed Insurance Producer
UPDATED: Jun 2, 2023
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Average insurance rates for a Nissan Xterra are $808 a year for full coverage. Comprehensive insurance costs approximately $110, collision costs $98, and liability costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing $1,730 or more. Teen drivers receive the highest rates at $3,396 a year or more.
Average premium for full coverage: $808
Rate estimates by individual coverage type:
Prices include $500 physical damage deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all states and for all Xterra models.
Price Range by Coverage and Risk
Using a 40-year-old driver as an example, prices range go from the low end price of $496 for just the minimum liability insurance to the much higher price of $1,730 for coverage for higher-risk drivers.
Price Range by Location
Your location can have significant affects on car insurance rates. Rural locations tend to have lower incidents of accident claims than larger metro areas.
The example below illustrates how rural and urban location affects auto insurance prices.
These examples show why everyone should compare rates using their specific location, instead of using 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.
Additional Rate Analysis
The chart below shows estimated Nissan Xterra insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $511
- Drivers who choose higher $1,000 deductibles will pay $46 a year
- The estimated price for a 40-year-old driver who chooses $500 deductibles is $808
- Choosing pricier low deductibles for comprehensive and collision insurance will cost an additional $88 every year
- Higher-risk drivers with multiple violations and an at-fault accident could pay around $1,730 or more
- The cost that insures a teen driver for full coverage can cost $3,396 a year
Auto insurance rates for a Nissan Xterra can also vary considerably based on the model of your Xterra, how you drive, and physical damage deductibles and liability limits.
If you like to drive fast or you caused an accident, you could be paying anywhere from $1,000 to $1,400 in extra premium per year, depending on your age. Nissan Xterra insurance for high-risk drivers can cost as much as 41% to 137% more than average. View High Risk Driver Rates
A more mature driver with a good driving record and higher comprehensive and collision deductibles may pay as little as $800 per year on average for full coverage. Rates are highest for teen drivers, since even teens with perfect driving records will have to pay in the ballpark of $3,300 a year. View Rates by Age
Where you live makes a big difference in Nissan Xterra insurance prices. A 40-year-old driver could pay as low as $530 a year in states like Iowa, Maine, and Idaho, or as much as $1,160 on average in New York, Louisiana, 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% |
Choosing high deductibles could save up to $140 every year, whereas buying more liability protection will push rates upward. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to regularly compare rates and see which company has the best rate. Every company uses a different rate calculation, and quoted rates can be significantly 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 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 | $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 Find the Right Nissan Xterra Insurance
Saving money on car insurance not only requires being a safe and courteous driver, but also maintaining a good credit score, eliminating unneeded coverage, and not having any coverage lapses. Shop around at least once a year by getting rate quotes from direct carriers like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
Below is a quick rundown of the primary concepts that were raised in the charts and tables above.
- Drivers can save around $80 per year simply by quoting online well ahead of the renewal date
- Higher risk drivers with reckless driving or DUI convictions could be forced to pay on average $920 more per year for auto insurance
- Increasing deductibles can save approximately $125 each year
- Teenage drivers have the highest car insurance rates, costing as high as $283 per month if the policy includes full coverage
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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