Nissan Xterra Insurance Rates

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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

UPDATED: Jun 2, 2023

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Estimated insurance prices for a Nissan Xterra are $808 every 12 months for full coverage. Comprehensive costs approximately $110, collision insurance costs $98, and liability costs around $442. Liability-only coverage costs as low as $496 a year, and high-risk coverage costs around $1,730. 16-year-old drivers pay the most at up to $3,396 a year.

Average premium for full coverage: $808

Premium estimates by type of coverage:

Comprehensive $110
Collision $98
Liability $442

Rate estimates include $500 physical damage deductibles, minimum liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all states and for all Xterra models.

Insurance Price Range by Risk and Coverage

For the normal driver, insurance rates for a Nissan Xterra range from the cheapest price of $496 for just liability coverage to the much higher price of $1,730 for high-risk insurance.

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

Insurance Price Range by Location

Where you live can have significant affects on car insurance rates. Rural locations are statistically proven to have more infrequent accident claims than congested cities. The example below illustrates how geographic area affects auto insurance prices.

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

These rate differences show why everyone should compare prices using their specific location and their own driving history, instead of using 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.

Detailed Rate Analysis

The chart below shows average Nissan Xterra insurance rates for additional coverage and risk scenarios.

  • The best full coverage rate is $511
  • Using higher $1,000 deductibles will save $46 a year
  • The average price for a 40-year-old good driver who chooses $500 deductibles is $808
  • Buying pricier low deductibles for physical damage coverage increases the price to $896
  • Drivers with multiple tickets or accidents could pay around $1,730
  • An auto insurance policy to insure a teen driver for full coverage can cost $3,396 or more

View Chart as Image

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

Insurance prices for a Nissan Xterra also have a wide range based on physical damage deductibles and liability limits, your driver profile, and the model of your Xterra.

Opting for high physical damage deductibles could cut prices by as much as $140 every year, whereas buying more liability protection will push prices upward. Going from a 50/100 liability limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

A more mature driver with a clean driving record and higher deductibles may pay as little as $800 a year, or $67 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay in the ballpark of $3,300 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you could be paying anywhere from $1,000 to $1,400 extra annually, depending on your age. Nissan Xterra insurance for high-risk drivers can be as much as 41% to 137% more than the average rate. View High Risk Driver Rates

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 Iowa, Maine, and Idaho, or 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

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 2000 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 $156 $174 $474 $962
2011 Nissan Xterra $150 $158 $478 $944
2009 Nissan Xterra $132 $130 $474 $894
2008 Nissan Xterra $128 $118 $468 $872
2007 Nissan Xterra $126 $114 $460 $858
2006 Nissan Xterra $124 $110 $452 $844
2005 Nissan Xterra $114 $104 $446 $822
2004 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 Best Nissan Xterra Insurance

Finding better rates on car insurance requires being a safe and courteous driver, having good credit, not filing small claims, and possibly raising deductibles. Invest the time to compare rates every couple of years by requesting quotes from direct carriers, and also from your local independent and exclusive agents.

Below is a brief recap of the material that was presented in the illustrations above.

  • Policyholders who purchase higher levels of liability will pay around $490 each year to increase from 30/60 bodily injury limits to a 250/500 level
  • Teenage drivers are expensive to insure, as much as $283 per month if they have full coverage
  • Higher risk drivers who tend to receive serious violations may pay on average $920 more per year for auto insurance
  • Increasing policy deductibles could save as much as $125 each year

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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