Nissan Xterra Insurance Rates
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UPDATED: Jun 2, 2023
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Average insurance prices for a Nissan Xterra are $808 every 12 months for full coverage. Comprehensive costs approximately $110 each year, collision costs $98, and liability costs $442. A liability-only policy costs as little as $496 a year, with high-risk insurance costing around $1,730. 16-year-old drivers receive the highest rates at $3,396 a year or more.
Average premium for full coverage: $808
Rate estimates by individual coverage type:
Estimates include $500 policy deductibles, 30/60 liability coverage, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and Xterra models.
Price Range by Coverage and Risk
For the normal driver, prices range go from the cheapest price of $496 for your basic liability-only policy to a high rate of $1,730 for a policy for a high-risk driver.
Price Range by Location
Your location can have significant affects on car insurance rates. Rural locations tend to have more infrequent accident claims than congested cities.
The graphic below illustrates how geographic area affects auto insurance prices.
These examples show why all drivers should compare rates 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.
More Rate Information
The chart below shows estimated Nissan Xterra insurance rates for additional coverage and risk scenarios.
- The best full coverage rate is $511
- Drivers who choose higher $1,000 deductibles will pay $46 a year
- The average price for a 40-year-old driver who chooses $500 deductibles is $808
- Buying low deductibles for comprehensive and collision insurance increases the price to $896
- Higher-risk drivers with multiple tickets or accidents could pay around $1,730 or more
- The cost to insure a teen driver can cost $3,396 a year
Insurance rates for a Nissan Xterra can also vary considerably based on policy deductibles and limits, your driver profile, and the model of your Xterra.
Opting for high physical damage deductibles could save up to $140 every year, whereas increasing liability limits will push rates upward. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit
More mature drivers with a clean driving record and higher deductibles may pay as little as $800 per year on average for full coverage. Rates are highest for teen drivers, since even excellent drivers can expect to pay in the ballpark of $3,300 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying anywhere from $1,000 to $1,400 extra per year, depending on your age. Insurance for high-risk drivers can cost as much as 41% to 137% more than the average rate. View High Risk Driver Rates
Where you live makes a big difference in Nissan Xterra insurance prices. A 40-year-old driver could pay 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% |
With so much variability in rates, the only way to know who has the cheapest car insurance rates is to do a rate comparison and see which company has the best rate. Every company utilizes a different rate formula, so the rates can be significantly different.
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 | $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 Low Cost Nissan Xterra Insurance
Saving money on car insurance not only requires avoiding accidents and claims, but also having good credit, eliminating unneeded coverage, and maximizing policy discounts. Invest the time to compare rates every year by getting quotes from direct carriers like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.
The points below are a review of the coverage data presented in the illustrations above.
- Drivers can save around $80 per year simply by quoting online in advance
- Increasing deductibles could save as much as $125 each year
- Drivers under the age of 20 are expensive to insure, costing as high as $283 per month if they have full coverage
- Higher risk drivers who have several accidents or serious violations may pay on average $920 more per year to insure a Nissan Xterra
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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