Nissan Xterra Insurance Rates
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Michelle Robbins
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UPDATED: Jun 2, 2023
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Estimated insurance rates for a Nissan Xterra are $808 a year for full coverage. Comprehensive costs on average $110, 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. Teen drivers pay the most at $3,396 a year or more.
Average premium for full coverage: $808
Premium estimates by type of coverage:
Full coverage includes $500 policy deductibles, 30/60 split liability limits, and includes medical and UM/UIM coverage. Rates include averaging for all states and for all Xterra models.
Insurance Price Range by Risk and Coverage
For the average 40-year-old driver, insurance rates for a Nissan Xterra go from as low as $496 for just liability insurance to the much higher price of $1,730 for a high-risk insurance policy.
Insurance Price Range by Location
Where you live can make a big difference on car insurance rates. Rural areas are statistically proven to have a lower frequency of accident claims than larger metro areas.
The example below illustrates the difference location can make on car insurance rates.
These rate differences show why everyone should compare prices based on a specific location and risk profile, instead of making a decision based on 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.
More Rate Details
The chart below shows estimated Nissan Xterra insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $511
- Using higher $1,000 deductibles will save around $46 a year
- The average rate for a 40-year-old good driver with $500 deductibles is $808
- Choosing pricier low deductibles for physical damage coverage will increase the cost to $896
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $1,730 or more
- An auto insurance policy for full coverage for a 16-year-old driver for full coverage may cost $3,396 or more
Insurance prices for a Nissan Xterra also have a wide range based on your driving characteristics, the trim level of your Xterra, and policy deductibles and limits.
A more mature driver with no violations or accidents and high 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 good drivers should be prepared to pay upwards of $3,300 a year. View Rates by Age
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 $530 a year in states like Idaho, Maine, and Iowa, or as much as $1,160 on average in Michigan, Louisiana, and New York.
| 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 cut prices by as much as $140 annually, whereas buying more liability protection will cost you more. Going from a 50/100 limit to a 250/500 limit will cost up to $398 more each year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you could be paying at a minimum $1,000 to $1,400 additional annually, depending on your age. Nissan Xterra insurance for high-risk drivers can be from 41% to 137% more than average. View High Risk Driver Rates
With such a large range in prices, the only way to know exactly what you will pay is to regularly compare prices from multiple companies. Each insurance company uses a different rate calculation, and prices will be substantially different from one company to the next.
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 More Affordable Nissan Xterra Insurance
Finding better rates on insurance for a Nissan Xterra requires being a good driver, having a good credit history, not filing small claims, and insuring your home and auto with the same company. Make time to compare rates at least every other year by getting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local insurance agents.
The following list is a summary of the car insurance concepts touched on in this article.
- Drivers considered higher risk who have multiple accidents or major violations will pay on average $920 more each year than a safer driver
- Drivers can save as much as $80 per year simply by quoting online well ahead of the renewal date
- Increasing policy deductibles can save around $125 each year
- Insureds who require an increased level of liability coverage will pay about $490 each year to increase from 30/60 bodily injury limits to 250/500 limits
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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