Nissan Xterra Insurance Rates

Enter your zip code below to view companies that have cheap auto insurance rates.

Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

Michelle Robbins

Licensed Insurance Agent

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...

Licensed Insurance Agent

UPDATED: Jun 2, 2023

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

U.S. average insurance rates for a Nissan Xterra are $808 a year including full coverage. Comprehensive insurance costs an estimated $110 a year, collision costs $98, and liability insurance costs $442. A policy with just liability insurance costs as little as $496 a year, with coverage for high-risk drivers costing $1,730 or more. Teenage drivers pay the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Price estimates broken down by individual coverage:

Comprehensive $110
Collision $98
Liability $442

Includes $500 deductible amounts, split liability limits of 30/60, and includes medical and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Xterra trim levels.

Price Range from Low to High

For a 40-year-old driver, Nissan Xterra insurance prices go from the low end price of $496 for just liability coverage to a high of $1,730 for coverage for higher-risk drivers.

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

Geographic Price Range

Your location has a significant impact on the price of auto insurance. More rural locations have lower incidents of comprehensive and collision claims than densely populated cities.

The diagram below illustrates how your location can change insurance prices.

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

The ranges above highlight why it is important to compare rates for a targeted area, rather than relying on average rates.

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 best discount rate is $511
  • Drivers who choose higher $1,000 deductibles will pay approximately $762 every year
  • The estimated price for the average middle-age driver who has $500 deductibles is $808
  • Using low $100 deductibles for comprehensive and collision insurance will cost an additional $88 a year
  • High risk drivers who are prone to accidents and violations could pay up to $1,730 or more
  • The price that insures a teen driver can cost as much as $3,396 a year

View Chart as Image

Nissan Xterra insurance cost comparison chart
Column chart showing full coverage Nissan Xterra insurance prices range from $511 to $3,396

Insurance prices for a Nissan Xterra are also quite variable based on the trim level of your Xterra, your driving record and age, and liability limits and deductibles.

If you have some driving violations or you caused an accident, you are likely paying $1,000 to $1,400 extra each year, depending on your age. A high-risk auto insurance policy can cost anywhere from 41% to 137% more than a normal policy. View High Risk Driver Rates

Older drivers with a clean driving record and higher comprehensive and collision deductibles could pay as little as $800 per year on average for full coverage. Prices are much higher for teenage drivers, since even teens with perfect driving records can expect to pay at least $3,300 a year. View Rates by Age

The state you live in makes a big difference in Nissan Xterra insurance rates. A 40-year-old driver could pay as low as $620 a year in states like Vermont, New Hampshire, and Missouri, or be forced to pay as much as $1,160 on average in Louisiana, New York, and Michigan.

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

Using high physical damage deductibles could save up to $140 each year, while buying higher liability limits will increase premiums. Changing from a 50/100 bodily injury protection limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit

Since prices can be so different, the best way to figure out which car insurance is cheapest is to get quotes from as many companies as possible. Every company uses a different method to calculate prices, so the prices may be quite different.

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 Find the Cheapest Nissan Xterra Insurance

Getting lower rates on Nissan Xterra insurance not only requires having a good driving record, but also having above-average credit, being claim-free, and taking advantage of discounts. Compare prices at least once a year by quoting rates from direct car insurance companies, and also from your local car insurance providers.

The next list is a recap of the primary concepts that were illustrated above.

  • You may be able to save approximately $80 per year simply by quoting early and online
  • High-risk drivers that have major violations or accidents could be charged and average of $920 more annually to buy Nissan Xterra insurance
  • Increasing physical damage deductibles can save approximately $125 each year
  • Drivers age 20 and younger are charged the highest prices, possibly costing $283 a month if full coverage is included

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.

Compare Rates and Save

Find companies with the cheapest rates in your area

Free Auto Insurance Comparison

Enter your zip code below to view companies that have cheap auto insurance rates.

secured lock Secured with SHA-256 Encryption

You May Also Enjoy These Articles