Nissan Xterra SE 4WD Insurance Rates

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Average insurance rates for a Nissan Xterra SE 4WD are $1,234 a year for full coverage. Comprehensive insurance costs an estimated $298, collision costs $414, and liability costs around $364. Liability-only coverage costs as low as $430 a year, with high-risk coverage costing $2,624 or more. Teen drivers receive the highest rates at $4,536 a year or more.

Annual premium for full coverage: $1,234

Rate estimates broken down by type of insurance:

Comprehensive $298
Collision $414
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Nissan Xterra Trim Level

For the average 40-year-old driver, prices go from the low end price of $430 for just liability coverage to a much higher rate of $2,624 for coverage for higher-risk drivers.

Liability Only $430
Full Coverage $1,234
High Risk $2,624

These differences show why anyone shopping for car insurance should compare prices for a targeted area, instead of using price averages.

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.

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Car insurance rates for a Nissan Xterra SE 4WD can also vary considerably based on the model year, how you drive, and liability limits and deductibles.

If you like to drive fast or you caused an accident, you could be paying $1,400 to $2,000 extra per year, depending on your age. High-risk driver insurance can be as much as 44% to 127% more than average. View High Risk Driver Rates

An older driver with no driving violations and higher comprehensive and collision deductibles may pay as little as $1,100 a year for full coverage. Prices are highest for teen drivers, since even teens with perfect driving records will be charged at least $4,500 a year. View Rates by Age

Where you live has a huge impact on Nissan Xterra SE 4WD insurance prices. A driver around age 40 might see prices as low as $900 a year in states like Iowa, Maine, and Idaho, or as much as $1,950 on average in Montana, Louisiana, and Michigan. Rates by state and city are shown later in the article.

Choosing high deductibles could cut prices by as much as $480 every year, while increasing your policy's liability limits will increase premiums. Going from a 50/100 bodily injury protection limit to a 250/500 limit will cost as much as $327 extra every 12 months. View Rates by Deductible or Liability Limit

With so much variability in prices, the only way to know who has the cheapest car insurance prices is to compare prices and see which company has the best price. Each insurance company uses a different rate calculation, so rate quotes can be significantly different.

View Chart as Image

Nissan Xterra SE 4WD insurance cost comparison chart
Column chart showing Nissan Xterra SE 4WD insurance prices range from $732 to $4,536 for full coverage

Chart shows Nissan Xterra SE 4WD insurance prices for different risks and coverage choices. The best price after discounts is $732. Drivers who choose higher $1,000 deductibles will pay $1,072. The average price for a driver around age 40 using $500 deductibles is $1,234. Using more expensive $100 deductibles for comprehensive and collision insurance could cost up to $1,544. High risk drivers could be charged as much as $2,624. The price for full coverage for a teenage driver can be as high as $4,536.

Nissan Xterra SE 4WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,116 -$118 -9.6%
Alaska $946 -$288 -23.3%
Arizona $1,026 -$208 -16.9%
Arkansas $1,234 -$0 0.0%
California $1,406 $172 13.9%
Colorado $1,180 -$54 -4.4%
Connecticut $1,268 $34 2.8%
Delaware $1,398 $164 13.3%
Florida $1,544 $310 25.1%
Georgia $1,140 -$94 -7.6%
Hawaii $886 -$348 -28.2%
Idaho $834 -$400 -32.4%
Illinois $918 -$316 -25.6%
Indiana $930 -$304 -24.6%
Iowa $834 -$400 -32.4%
Kansas $1,174 -$60 -4.9%
Kentucky $1,684 $450 36.5%
Louisiana $1,826 $592 48.0%
Maine $760 -$474 -38.4%
Maryland $1,018 -$216 -17.5%
Massachusetts $986 -$248 -20.1%
Michigan $2,144 $910 73.7%
Minnesota $1,032 -$202 -16.4%
Mississippi $1,480 $246 19.9%
Missouri $1,094 -$140 -11.3%
Montana $1,326 $92 7.5%
Nebraska $974 -$260 -21.1%
Nevada $1,480 $246 19.9%
New Hampshire $890 -$344 -27.9%
New Jersey $1,380 $146 11.8%
New Mexico $1,092 -$142 -11.5%
New York $1,300 $66 5.3%
North Carolina $712 -$522 -42.3%
North Dakota $1,010 -$224 -18.2%
Ohio $852 -$382 -31.0%
Oklahoma $1,268 $34 2.8%
Oregon $1,130 -$104 -8.4%
Pennsylvania $1,176 -$58 -4.7%
Rhode Island $1,646 $412 33.4%
South Carolina $1,118 -$116 -9.4%
South Dakota $1,040 -$194 -15.7%
Tennessee $1,082 -$152 -12.3%
Texas $1,488 $254 20.6%
Utah $916 -$318 -25.8%
Vermont $844 -$390 -31.6%
Virginia $740 -$494 -40.0%
Washington $954 -$280 -22.7%
West Virginia $1,132 -$102 -8.3%
Wisconsin $854 -$380 -30.8%
Wyoming $1,100 -$134 -10.9%

View Chart as Image

Nissan Xterra SE 4WD insurance rates by U.S. city

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Rates by Driver Age

Nissan Xterra SE 4WD Insurance Rates by Driver Age
Driver Age Premium
16 $4,536
20 $2,788
30 $1,284
40 $1,234
50 $1,124
60 $1,100

Full coverage, $500 deductibles

Rates by Deductible

Nissan Xterra SE 4WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,544
$250 $1,402
$500 $1,234
$1,000 $1,072

Full coverage, driver age 40

Rates by Liability Limit

Nissan Xterra SE 4WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,234
50/100 $1,307
100/300 $1,398
250/500 $1,634
100 CSL $1,343
300 CSL $1,543
500 CSL $1,689

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Xterra SE 4WD Insurance Rates for High Risk Drivers
Age Premium
16 $6,444
20 $4,416
30 $2,680
40 $2,624
50 $2,502
60 $2,474

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 $161

Potential Rate Discounts

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

Discount Savings
Multi-policy $65
Multi-vehicle $61
Homeowner $18
5-yr Accident Free $85
5-yr Claim Free $77
Paid in Full/EFT $53
Advance Quote $57
Online Quote $86
Total Discounts $502
Rate after discounts $732

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

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