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2015 Nissan Xterra Insurance Rates

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

Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Apr 23, 2020

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Average insurance rates for a 2015 Nissan Xterra are $1,092 a year for full coverage. Comprehensive costs approximately $206 a year, collision costs $276, and liability costs $452. Buying a liability-only policy costs as little as $504 a year, with high-risk insurance costing around $2,340. Teenage drivers receive the highest rates at $4,270 a year or more.

Annual premium for full coverage: $1,092

Rate estimates for 2015 Nissan Xterra Insurance

Comprehensive $206
Collision $276
Liability $452

Rate data is compiled from all 50 U.S. states and averaged for all 2015 Nissan Xterra models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a 40-year-old driver, prices range go from as low as $504 for just liability insurance to a high of $2,340 for high-risk insurance.

Liability Only $504
Full Coverage $1,092
High Risk $2,340

View Chart as Image

2015 Nissan Xterra insurance rates compared
Column chart showing 2015 Nissan Xterra insurance prices range from $656 to $4,270 for full coverage

These differences show why it is important for drivers to compare rates using their specific location and risk profile, instead of using average rates.

Use the form below to get rates for your location.

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

Recommended Companies for Cheap 2015 Nissan Xterra Insurance

Searching Companies

Tired of scraping the payment together each month for car insurance? You are no different than many other drivers. Since consumers have many companies and agents to choose from, it can be diffult for consumers to locate the best provider.

The method we recommend to compare car insurance rates is to know the fact car insurance companies participate in a system to give you rate quotes. To get started, all you need to do is provide the companies a bit of rating information like how you use your vehicles, if you require a SR-22, distance driven, and the year, make and model of vehicles. The data is sent automatically to many of the top insurers and you get price estimates instantly to find the best rate.

To get price quotes for your Nissan Xterra , click here and enter your zip code.

Do you really save 40% when you switch?

Drivers constantly see and hear ads for car insurance savings from companies such as 21st Century, Allstate and State Farm. They all make the same claim about savings if you move your policy.

How can each company say the same thing?

Insurance companies have a certain “appetite” for the type of driver that is profitable for them. For instance, a preferred risk might be a mature driver, is a homeowner, and drives newer vehicles. A propective insured who meets those qualifications will get very good rates and as a result will probably cut their rates substantially.

Consumers who don’t meet these standards will be charged a higher premium and this can result in business not being written. Company advertisements say “people who switch” not “people who quote” save that much. That is how insurance companies can state the savings. That is why you need to get as many comparisons as possible. It’s not possible to predict which insurance companies will fit your personal profile best.

Don’t miss out on these eight money-saving discounts

Auto insurance companies do not advertise all available discounts in an easy-to-find place, so here is a list some of the more common and also the lesser-known savings tricks you should be using. If they aren’t giving you every credit you qualify for, you are paying more than you should be.

  • Government Employees – Simply working for the federal government may qualify you for a discount on Xterra coverage with certain companies.
  • Fewer Miles Equal More Savings – Low mileage vehicles could be rewarded with discounted rates on garaged vehicles.
  • Organization Discounts – Being a member of a professional or civic organization could qualify you for a break when shopping for insurance on Xterra coverage.
  • Pay Now and Pay Less – If you pay your entire premium ahead of time instead of paying each month you could save up to 5%.
  • Sign Online – A handful of insurance companies will discount your bill up to fifty bucks just for signing your application over the internet.
  • Driver’s Ed – Have your child successfully complete driver’s ed class if it’s offered in school.
  • Seat Belt Usage – Requiring all passengers to use their safety belts can save up to 15% off your medical payments premium.
  • Safe Drivers – Drivers who avoid accidents can pay as much as 50% less on Xterra coverage than drivers with accidents.

It’s important to note that most discount credits are not given to the entire cost. A few only apply to specific coverage prices like physical damage coverage or medical payments. So even though it sounds like you can get free auto insurance, you won’t be that lucky.

To see a list of insurers offering insurance discounts, click this link.

Do I need special coverages?

When choosing the best car insurance coverage for your personal vehicles, there is no perfect coverage plan. Every situation is different and a cookie cutter policy won’t apply. For example, these questions might help in determining whether your personal situation might need professional guidance.

  • Can I still get insurance after a DUI?
  • When can my company non-renew my policy?
  • Can I rate high risk drivers on liability-only vehicles?
  • Can I get a multi-policy discount?
  • Is my camper covered by my car insurance policy?
  • Should I drop comprehensive coverage on older vehicles?
  • Does my personal policy cover me when driving out-of-state?
  • Does coverage extend to my business vehicle?

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If you don’t know the answers to these questions but you know they apply to you, you may need to chat with a licensed insurance agent. To find lower rates from a local agent, take a second and complete this form or you can go here for a list of companies in your area. It only takes a few minutes and may give you better protection.

Auto insurance coverages

Understanding the coverages of your auto insurance policy can help you determine the right coverages and proper limits and deductibles. Auto insurance terms can be ambiguous and nobody wants to actually read their policy. Below you’ll find the normal coverages found on the average auto insurance policy.

Medical expense insurance – Med pay and PIP coverage provide coverage for expenses for dental work, surgery, chiropractic care, X-ray expenses and hospital visits. They are utilized in addition to your health insurance program or if you do not have health coverage. Coverage applies to you and your occupants and also covers if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage

Auto liability – Liability insurance protects you from damage that occurs to a person or their property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage sustained by your vehicle in an accident.

It consists of three limits, per person bodily injury, per accident bodily injury, and a property damage limit. Your policy might show limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, $100,000 for the entire accident, and property damage coverage for $50,000.

Liability can pay for things like attorney fees, funeral expenses, pain and suffering and loss of income. How much liability coverage do you need? That is up to you, but you should buy as high a limit as you can afford.

Collision coverage – This pays for damage to your Xterra from colliding with another car or object. You have to pay a deductible then your collision coverage will kick in.

Collision coverage protects against claims like colliding with another moving vehicle, colliding with a tree and driving through your garage door. Paying for collision coverage can be pricey, so consider dropping it from vehicles that are 8 years or older. Drivers also have the option to raise the deductible to bring the cost down.

Protection from uninsured/underinsured drivers – Your UM/UIM coverage protects you and your vehicle from other drivers when they either are underinsured or have no liability coverage at all. Covered claims include hospital bills for your injuries as well as your vehicle’s damage.

Since many drivers have only the minimum liability required by law, it doesn’t take a major accident to exceed their coverage limits. This is the reason having UM/UIM coverage should not be overlooked.

Comprehensive (Other than Collision) – Comprehensive insurance covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply then the remaining damage will be covered by your comprehensive coverage.

Comprehensive coverage protects against things such as damage from getting keyed, fire damage, rock chips in glass and a broken windshield. The maximum amount you’ll receive from a claim is the actual cash value, so if your deductible is as high as the vehicle’s value it’s probably time to drop comprehensive insurance.

Coverage on a shoestring budget

While you’re price shopping online, make sure you don’t skimp on critical coverages to save a buck or two. There are many occasions where drivers have reduced physical damage coverage only to discover later that their decision to reduce coverage ended up costing them more. The ultimate goal is to purchase a proper amount of coverage at an affordable rate while still protecting your assets.

Throughout this article, we presented many ways to shop for 2015 Nissan Xterra insurance online. The key concept to understand is the more times you quote, the better your comparison will be. Consumers may even find the best price on auto insurance is with a small local company. They may often insure only within specific states and give getter rates compared to the large companies like State Farm, GEICO and Nationwide.

Much more information about auto insurance can be read at these links:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2015 Nissan Xterra Insurance Rates by City
City Premium
New York City, NY $1,725
Los Angeles, CA $1,866
Philadelphia, PA $1,459
Jacksonville, FL $1,585
Phoenix, AZ $1,268
Chicago, IL $1,465
Houston, TX $1,713
Seattle, WA $1,063
Columbus, OH $912
Indianapolis, IN $929

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2015 Nissan Xterra Insurance Rates by Driver Age
Driver Age Premium
16 $4,270
20 $2,486
30 $1,120
40 $1,092
50 $1,000
60 $978

Full coverage, $500 deductibles

Rates by Deductible

2015 Nissan Xterra Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,302
$250 $1,206
$500 $1,092
$1,000 $982

Full coverage, driver age 40

Rates by Liability Limit

Nissan Xterra Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,092
50/100 $1,182
100/300 $1,295
250/500 $1,589
100 CSL $1,228
300 CSL $1,476
500 CSL $1,657

Full coverage, driver age 40

Rates for High Risk Drivers

2015 Nissan Xterra Insurance Rates for High Risk Drivers
Age Premium
16 $6,034
20 $3,956
30 $2,368
40 $2,340
50 $2,236
60 $2,214

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 $146

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $56
Multi-vehicle $58
Homeowner $18
5-yr Accident Free $69
5-yr Claim Free $69
Paid in Full/EFT $42
Advance Quote $49
Online Quote $75
Total Discounts $436
Rate after discounts $656

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2015 Nissan Xterra Insurance Rates by State
State Premium
Alabama $986
Alaska $838
Arizona $906
Arkansas $1,092
California $1,244
Colorado $1,042
Connecticut $1,122
Delaware $1,236
Florida $1,366
Georgia $1,008
Hawaii $784
Idaho $738
Illinois $814
Indiana $822
Iowa $736
Kansas $1,038
Kentucky $1,490
Louisiana $1,616
Maine $674
Maryland $900
Massachusetts $874
Michigan $1,898
Minnesota $914
Mississippi $1,308
Missouri $968
Montana $1,172
Nebraska $860
Nevada $1,310
New Hampshire $788
New Jersey $1,222
New Mexico $968
New York $1,150
North Carolina $630
North Dakota $896
Ohio $754
Oklahoma $1,120
Oregon $1,000
Pennsylvania $1,042
Rhode Island $1,458
South Carolina $990
South Dakota $920
Tennessee $954
Texas $1,318
Utah $810
Vermont $748
Virginia $654
Washington $844
West Virginia $1,000
Wisconsin $756
Wyoming $974

Free Auto Insurance Comparison

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