Nissan Xterra Insurance Rates

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Cheapest 2000 Nissan Xterra Insurance Rates in 2025

Are you tired of paying out the nose to buy car insurance? You are no different than most other car owners. Many insurance companies vie for your hard-earned dollar, so it's not easy to compare every insurance company to get the cheapest price If you have a policy now or are shopping for new coverage, you will benefit by learning to find better prices while maximizing coverage. Buying car insur...

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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...

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UPDATED: Jun 2, 2023

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Estimated auto insurance rates for a Nissan Xterra are $808 annually with full coverage. Comprehensive costs on average $110 each year, collision costs $98, and liability costs around $442. Liability-only insurance costs as low as $496 a year, with high-risk driver insurance costing around $1,730. 16-year-old drivers pay the most at $3,396 a year or more.

Average premium for full coverage: $808

Premium estimates by type of coverage:

Comprehensive $110
Collision $98
Liability $442

Full coverage includes $500 policy deductibles, liability coverage up to 30/60, and includes uninsured/under-insured motorist coverage. Rates include averaging for all 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 go from as cheap as $496 for your basic liability-only policy to a high rate of $1,730 for a high-risk driver policy.

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

Insurance Price Range by Location

Where you live can make a big difference on auto insurance rates. Rural areas are statistically proven to have fewer collision claims than congested cities.

The graphic below illustrates how location helps determine car insurance rates.

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

These rate differences demonstrate why all drivers should compare prices based on a specific location and their own personal driving habits, instead of making a decision based on rate 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.

More Rate Information

The chart below details estimated Nissan Xterra insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $511
  • Using higher $1,000 deductibles will save around $46 annually
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $808
  • Buying low deductibles for physical damage coverage will cost $896
  • High-risk insureds with multiple tickets or accidents could pay upwards of $1,730 or more
  • An auto insurance policy with full coverage for a 16-year-old driver may cost $3,396 or more

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 prices for a Nissan Xterra also have a wide range based on the model of your Xterra, your driving record, and policy deductibles and limits.

More mature drivers with no violations or accidents and high physical damage deductibles may pay as low as $800 a year, or $67 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they should be prepared to pay upwards of $3,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you may be forking out at a minimum $1,000 to $1,400 additional annually, depending on your age. Insurance for high-risk drivers can be from 41% to 137% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut prices by as much as $140 annually, whereas increasing liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit

Where you choose to live has a huge impact on Nissan Xterra insurance prices. A driver around age 40 might see prices as low as $590 a year in states like New Hampshire, Ohio, and Utah, or at least $1,100 on average in Florida, Michigan, and New York.

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

With such a large range in prices, the best way to find out exactly what you will pay is to do a rate comparison from multiple companies. Each insurance company utilizes a different rate formula, and prices will be substantially different 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 better rates on insurance for a Nissan Xterra requires being safe and accident-free, having good credit, being claim-free, and insuring your home and auto with the same company. Invest time comparing rates every time your policy renews by quoting rates from direct companies, and also from local independent and exclusive agents.

Below you'll find a summary of the information covered in the charts and tables above.

  • You may be able to save as much as $80 per year simply by quoting online in advance
  • Youthful drivers pay higher prices, possibly costing $283 per month if they have full coverage
  • Increasing policy deductibles could save up to $125 each year
  • Drivers considered higher risk who have multiple accidents or major violations pay an average of $920 more each year than a low-risk driver
  • Insureds who require more liability protection will pay around $490 every year to increase from 30/60 bodily injury limits to higher 250/500 limits

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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