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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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:
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.
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.
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
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.
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 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
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 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
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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