Nissan Xterra Insurance Rates
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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:
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.
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.
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
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.
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% |
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 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.
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
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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