Nissan Xterra Insurance Rates

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UPDATED: Jun 2, 2023

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U.S. average insurance prices for a Nissan Xterra are $808 every 12 months for full coverage. Comprehensive costs approximately $110, collision costs $98, and liability is $442. Buying just liability costs around $496 a year, with insurance for high-risk drivers costing around $1,730. Teens pay the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Price estimates by individual coverage:

Comprehensive $110
Collision $98
Liability $442

Includes $500 physical damage deductibles, bodily injury liability limits of 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all states and for different Xterra trim levels.

Price Range from Low to High

Using a middle-aged driver as an example, Nissan Xterra insurance prices go from the cheapest price of $496 for a discount liability-only rate to a much higher rate of $1,730 for a driver who has had serious violations or accidents.

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

Geographic Price Range

Choosing to live in a large city can have significant affects on car insurance rates. Rural locations have more infrequent accident claims than cities with more traffic congestion.

The price range example below illustrates how where you live affects auto insurance prices.

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

The ranges above show why anyone shopping for car insurance should compare rates quotes using their specific location and their own driving history, 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 shows estimated Nissan Xterra insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $511
  • Raising to $1,000 deductibles will save $46 a year
  • The average price for the average middle-age driver who chooses $500 deductibles is $808
  • Selecting more expensive low deductibles increases the price to $896
  • At-risk drivers with serious driving violations could pay around $1,730 or more
  • The price to insure a teen driver with full coverage can cost $3,396

View Chart as Image

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

Insurance prices for a Nissan Xterra are also quite variable based on deductibles and policy limits, your driver profile, and the model of your Xterra.

Choosing higher comprehensive and collision insurance deductibles can reduce prices by up to $140 every year, while increasing your policy's liability limits will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles may pay as little as $800 every 12 months on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers should be prepared to pay in the ballpark of $3,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you could be paying anywhere from $1,000 to $1,400 additional each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 41% to 137% more than the average policy. View High Risk Driver Rates

The state you live in also has a big influence on Nissan Xterra insurance prices. A middle-age driver might find prices as low as $530 a year in states like Iowa, Maine, and Idaho, or have to pay at least $1,160 on average in New York, Louisiana, 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

Since prices can be so different, the only way to know who has the cheapest car insurance prices is to compare prices and see which company has the best price. Every auto insurance company calculates prices differently, and 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 Shop for the Cheapest Nissan Xterra Insurance

Getting lower rates on car insurance consists of being a safe and courteous driver, having above-average credit, eliminating unnecessary coverage, and qualifying for all possible discounts. Take the time to comparison shop every other policy renewal by requesting quotes from direct carriers like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a recap of the ideas that were touched on in the above illustrations.

  • Teenage drivers are the costliest to insure, with premiums as much as $283 a month if full coverage is included
  • Higher risk drivers that have major violations or accidents may pay on average $920 more per year for auto insurance
  • Increasing physical damage deductibles could save as much as $125 each year
  • Drivers can save around $80 per year simply by shopping early and online

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.

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