Nissan Xterra Insurance Rates
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Michelle Robbins
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Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
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UPDATED: Jun 2, 2023
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Average insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive insurance costs around $110 each year, collision costs $98, and liability is estimated at $442. A liability-only policy costs approximately $496 a year, with high-risk insurance costing $1,730 or more. Teens receive the highest rates at $3,396 a year or more.
Average premium for full coverage: $808
Rate estimates for individual coverage type:
Rates are based on $500 deductibles, 30/60 bodily injury liability limits, and includes UM/UIM and medical coverage. Rates are averaged for all 50 states and Xterra models.
Price Range by Coverage and Risk
For the average driver, prices range go from the low end price of $496 for a discount liability-only rate to a high rate of $1,730 for a driver who requires high-risk insurance.
Price Range by Location
Living in a larger city can have significant affects on car insurance rates. Areas with sparse population tend to have lower incidents of physical damage claims than cities with more traffic congestion.
The graphic below illustrates how location impacts auto insurance rates.
These examples illustrate why all drivers should get quotes for a specific zip code, instead of 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.
Rates by State, City, and Model
The chart below illustrates estimated Nissan Xterra insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $511
- Choosing higher $1,000 deductibles can save about $46 each year
- The estimated price for a 40-year-old driver using $500 deductibles is $808
- Selecting low deductibles for comp and collision coverage will cost an additional $88 every year
- Unlucky drivers with serious driving violations could pay at least $1,730 or more
- The cost that insures a teen driver can be $3,396 each year
Insurance rates for a Nissan Xterra can also vary considerably based on the trim level and model year, your age and driving record, and deductibles and policy limits.
If you like to drive fast or you caused an accident, you are probably paying at least $1,000 to $1,400 extra per year, depending on your age. Insurance for high-risk drivers ranges as much as 41% to 137% more than the average policy. View High Risk Driver Rates
More mature drivers with a clean driving record and higher comprehensive and collision deductibles may pay as little as $800 annually on average for full coverage. Rates are much higher for teen drivers, since even teens with perfect driving records can expect to pay as much as $3,300 a year. View Rates by Age
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 $530 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,100 on average in Michigan, New York, and Florida.
| 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 higher comprehensive and collision insurance deductibles can save as much as $140 every year, whereas increasing liability limits will increase rates. Switching from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit
With so much variability in rates, the only way to figure out your exact price is to do a rate comparison and see which company has the best rate. Each auto insurer calculates rates differently, so the 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 Best Cheap Nissan Xterra Insurance
Saving money on car insurance takes not taking risks behind the wheel, having above-average credit, avoid buying unnecessary coverage, and insuring your home and auto with the same company. Compare rates at every other renewal by quoting rates from direct insurance companies like Progressive, GEICO, and Esurance, and also from insurance agencies where you live.
The following is a quick review of the concepts that were touched on above.
- Higher risk drivers with a DUI or reckless driving violation could be forced to pay on average $920 more every year for Xterra insurance
- Teens pay higher rates, costing up to $283 per month if full coverage is included
- It is possible to save up to $80 per year simply by quoting online in advance
- Increasing deductibles can save approximately $125 each year
- It is possible to save up to $80 per year simply by quoting online in advance
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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