Nissan Xterra Insurance Rates
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UPDATED: Jun 2, 2023
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Average insurance rates for a Nissan Xterra are $808 a year with full coverage. Comprehensive insurance costs on average $110, collision insurance costs $98, and liability coverage costs $442. A liability-only policy costs as little as $496 a year, and high-risk insurance costs $1,730 or more. Teen drivers receive the highest rates at up to $3,396 a year.
Average premium for full coverage: $808
Rate estimates by individual coverage type:
Includes $500 policy deductibles, split liability limits of 30/60, and includes additional medical/uninsured motorist coverage. Rates are averaged for all U.S. states and for different Xterra trim levels.
Price Range by Coverage and Risk
For the normal driver, prices range range from as low as $496 for just the minimum liability insurance to a much higher rate of $1,730 for coverage for higher-risk drivers.
Price Range by Location
Your location has a large influence on auto insurance rates. Rural areas tend to have a lower frequency of collision claims than larger metro areas. The price range example below illustrates how geographic area affects car insurance rates.
These examples demonstrate why anyone shopping for car insurance should compare rates based on a specific location and risk profile, rather than 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 Rate Analysis
The chart below details average Nissan Xterra insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $511
- Drivers who choose higher $1,000 deductibles will pay around $46 annually
- The average rate for a 40-year-old driver with $500 deductibles is $808
- Choosing more expensive low deductibles for comprehensive and collision insurance will cost an extra $88 each year
- High-risk insureds with multiple violations and an at-fault accident could pay upwards of $1,730
- The cost for full coverage for a teenage driver with full coverage may cost $3,396 a year
Insurance rates for a Nissan Xterra can also vary considerably based on your driver profile, the trim level and model year, and policy deductibles and limits.
An older driver with a clean driving record and high deductibles may only pay around $800 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers can expect to pay upwards of $3,300 a year. View Rates by Age
Where you live makes a big difference in Nissan Xterra insurance rates. A 40-year-old driver could pay as low as $590 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,100 on average in Florida, Michigan, and New York.
| 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 could save up to $140 a year, while increasing your policy's liability limits will cost you more. Moving from a 50/100 limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you may be forking out at a minimum $1,000 to $1,400 extra per year, depending on your age. High-risk driver insurance can cost around 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 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 | $168 | $188 | $474 | $988 |
| 2011 Nissan Xterra | $156 | $174 | $474 | $962 |
| 2009 Nissan Xterra | $140 | $144 | $474 | $916 |
| 2008 Nissan Xterra | $132 | $130 | $474 | $894 |
| 2007 Nissan Xterra | $128 | $118 | $468 | $872 |
| 2006 Nissan Xterra | $126 | $114 | $460 | $858 |
| 2005 Nissan Xterra | $124 | $110 | $452 | $844 |
| 2004 Nissan Xterra | $114 | $104 | $446 | $822 |
| 2003 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 Cheapest Nissan Xterra Insurance
Saving money on auto insurance not only requires avoiding accidents and claims, but also maintaining good credit, eliminating unnecessary coverage, and determing if full coverage is necessary. Invest the time to compare rates at least once a year by quoting rates from direct companies like GEICO and Progressive, and also from local insurance agents.
The points below are a recap of the primary concepts that were presented in the illustrations above.
- You may be able to save as much as $80 per year just by shopping early and online
- Drivers that have major violations or accidents may be required to pay an average of $920 more each year to insure a Nissan Xterra
- Increasing deductibles can save around $125 each year
- Drivers under the age of 20 pay the highest rates, with premiums as much as $283 per month for full coverage
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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