Nissan Xterra Insurance Rates
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UPDATED: Jun 2, 2023
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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. Teens receive the highest rates at $3,396 a year or more.
Average premium for full coverage: $808
Rate estimates broken down by individual coverage type:
Rate estimates include $500 deductibles, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all 50 U.S. states and Xterra models.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as cheap as $496 for just liability coverage to a high rate of $1,730 for coverage for higher-risk drivers.
Price Range by Location
Living in a larger city can make a big difference on the price of auto insurance. More rural locations tend to have fewer comprehensive and collision claims than cities with more traffic congestion.
The graphic below illustrates how location helps determine insurance prices.
These examples highlight why all drivers should get quotes for a targeted area and their own personal driving habits, instead of making a decision based on 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.
Detailed Rate Analysis
The chart below breaks down estimated Nissan Xterra insurance rates for other coverage scenarios.
- The cheapest rate after discounts is $511
- Choosing higher $1,000 deductibles can save approximately $46 every year
- The estimated rate for a 40-year-old driver who has $500 deductibles is $808
- Selecting low deductibles for comp and collision coverage will cost $896
- Higher-risk drivers with serious driving violations could pay up to $1,730 or more
- The cost with full coverage for a 16-year-old driver can cost as much as $3,396 each year
Auto insurance rates for a Nissan Xterra can also vary considerably based on the trim level of your Xterra, your driving characteristics, and liability limits and deductibles.
More mature drivers with a good driving record and high physical damage deductibles may pay as low as $800 annually on average for full coverage. Rates are much higher for teen drivers, where even without any violations or accidents they will have to pay at least $3,300 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying $1,000 to $1,400 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges from 41% to 137% more than the average policy. View High Risk Driver Rates
Choosing higher comprehensive and collision insurance deductibles can save as much as $140 annually, whereas increasing liability limits will increase premiums. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit
Where you live 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 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% |
With so much variability in rates, the best way to figure out which company is cheapest is to do a rate comparison from multiple companies. Each auto insurer calculates rates differently, and quoted rates can be significantly different between companies.
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 Buy the Best Nissan Xterra Insurance
Saving money on insurance for a Nissan Xterra takes not taking risks behind the wheel, having above-average credit, not filing small claims, and qualifying for all possible discounts. Invest time comparing rates at least once a year by obtaining price quotes from direct car insurance companies like Progressive and GEICO, and also from insurance agencies where you live.
The following is a brief recap of the primary concepts that were covered in the charts and tables above.
- You may be able to save approximately $80 per year simply by quoting online in advance
- Drivers considered higher risk who tend to receive serious violations could be forced to pay on average $920 more annually for Xterra insurance
- Increasing deductibles could save up to $125 each year
- Teens are the costliest to insure, as much as $283 per month if full coverage is included
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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