Nissan Xterra Insurance Rates
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Michelle Robbins
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UPDATED: Jun 2, 2023
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Estimated insurance rates for a Nissan Xterra are $808 a year with full coverage. Comprehensive insurance costs approximately $110, collision insurance costs $98, and liability is estimated at $442. Liability-only coverage costs approximately $496 a year, and high-risk coverage costs $1,730 or more. Teen drivers pay the most at up to $3,396 a year.
Average premium for full coverage: $808
Premium estimates by type of coverage:
Rates are based on $500 deductible amounts, minimum liability limits, and includes medical/PIP and uninsured motorist coverage. Rates include averaging for all U.S. states and for all Xterra models.
Insurance Price Range by Risk and Coverage
For a driver around age 40, insurance rates for a Nissan Xterra range from as low as $496 for liability-only coverage to the much higher price of $1,730 for high-risk insurance.
Insurance Price Range by Location
Living in a larger city can have significant affects on the price of insurance. Rural locations are statistically proven to have a lower frequency of collision claims than larger metro areas. The example below illustrates the difference between rural and urban areas on auto insurance prices.
These rate differences demonstrate why everyone should get quotes using their specific location and risk profile, instead of using price 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.
Additional Charts and Tables
The chart below details average Nissan Xterra insurance rates for additional coverage and risk scenarios.
- The lowest rate with discounts is $511
- Choosing higher $1,000 deductibles can save $46 annually
- The average rate for a 40-year-old good driver who chooses $500 deductibles is $808
- Choosing pricier low deductibles for comp and collision coverage will cost an extra $88 every year
- Unlucky drivers with multiple violations and an at-fault accident could pay around $1,730
- An auto insurance policy for full coverage for a teen driver for full coverage can cost $3,396 each year
Insurance prices for a Nissan Xterra also have a wide range based on your driving characteristics, the trim level and model year, and physical damage deductibles and liability limits.
A more mature driver with a clean driving record and high deductibles may pay as little as $800 annually on average, or $67 per month, for full coverage. Prices are highest for drivers in their teens, where even good drivers can expect to pay in the ballpark of $3,300 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Nissan Xterra insurance prices. A good driver about age 40 could pay as low as $590 a year in states like Utah, Ohio, and New Hampshire, or as much as $1,100 on average in New York, Michigan, and Florida.
| 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% |
Choosing high deductibles can save as much as $140 every year, whereas buying more liability protection will push prices upward. Moving from a 50/100 limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit
If you have a few violations or tend to cause accidents, you may be forking out anywhere from $1,000 to $1,400 extra annually, depending on your age. Nissan Xterra insurance for high-risk drivers ranges as much as 41% to 137% more than average. View High Risk Driver Rates
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 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Nissan Xterra | $140 | $144 | $474 | $916 |
| 2011 Nissan Xterra | $132 | $130 | $474 | $894 |
| 2009 Nissan Xterra | $126 | $114 | $460 | $858 |
| 2008 Nissan Xterra | $124 | $110 | $452 | $844 |
| 2007 Nissan Xterra | $114 | $104 | $446 | $822 |
| 2006 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 Find the Best Cheap Nissan Xterra Insurance
Finding better rates on car insurance takes having a good driving record, maintaining good credit, being claim-free, and possibly raising deductibles. Set aside time to compare rates every couple of years by requesting quotes from direct companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.
The next list is a quick review of the material that was covered above.
- Policyholders who purchase increased levels of liability coverage will pay about $490 every year to raise limits from 30/60 bodily injury limits to 250/500 limits
- Drivers age 20 and younger are expensive to insure, possibly costing $283 per month for full coverage
- Higher risk drivers with a DUI or reckless driving violation pay on average $920 more per year to buy Nissan Xterra insurance
- Increasing policy deductibles can save around $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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