Nissan Xterra Insurance Rates
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UPDATED: Nov 19, 2021
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The average insurance rates for a Nissan Xterra are $808 a year for full coverage. Comprehensive insurance costs around $110, collision costs $98, and liability coverage costs around $442. Liability-only insurance costs as low as $496 a year, with high-risk driver insurance costing $1,730 or more. 16-year-old drivers cost the most to insure at $3,396 a year or more.
Average premium for full coverage: $808
Policy rates for type of insurance:
Rate estimates include $500 physical damage insurance deductibles, minimum liability limits, and includes medical and UM/UIM coverage. Prices are averaged for all states and for different Xterra trim levels.
Price Range Variability
Using a middle-aged driver as an example, Nissan Xterra insurance rates go from as low as $496 for just liability insurance to a much higher rate of $1,730 for high-risk insurance.
Urban vs. Rural Price Range
Where you live has a large influence on auto insurance rates. Areas with sparse population are shown to have a lower frequency of accident claims than congested cities.
The price range example below illustrates how where you live affects auto insurance rates.
The examples above show why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, rather than 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 Details
The chart below shows estimated Nissan Xterra insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $511
- Using higher $1,000 deductibles will save about $46 a year
- The average rate for a good driver age 40 using $500 deductibles is $808
- Buying more expensive low deductibles for physical damage coverage will cost an extra $88 each year
- Higher-risk drivers with multiple tickets or accidents could pay at least $1,730 or more
- Policy cost for full coverage for a teenage driver with full coverage can be $3,396 or more
Auto insurance rates for a Nissan Xterra also range considerably based on your risk profile, the trim level of your Xterra, and deductibles and policy limits.
An older driver with a good driving record and high deductibles may only pay around $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, where even good drivers will have to pay as much as $3,300 a year. View Rates by Age
Your home state has a huge impact on Nissan Xterra insurance rates. A driver around age 40 might see rates as low as $530 a year in states like Idaho, Maine, and Iowa, or at least $1,160 on average in Michigan, Louisiana, 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% |
Opting for high physical damage deductibles could cut rates by as much as $140 a year, while increasing your policy's liability limits will increase rates. Going from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit
If you have a few points on your driving record or tend to cause accidents, you could be paying at least $1,000 to $1,400 in extra premium every year, depending on your age. High-risk driver insurance can be around 41% to 137% more than the average rate. View High Risk Driver Rates
Because rates have so much variability, the only way to know your exact price is to compare rates and see how they stack up. Each insurance company utilizes a different rate formula, and quoted rates will be varied from one company to the next.
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 Best Nissan Xterra Insurance
Finding cheaper rates on auto insurance requires being a low-risk driver, having good credit, avoid buying unnecessary coverage, and maximizing policy discounts. Take the time to comparison shop every couple of years by obtaining price quotes from direct carriers like GEICO, Progressive, and Esurance, and also from local insurance agents.
The items below are a brief recap of the material that was touched on in the above illustrations.
- Consumers who may need more liability coverage will pay around $490 each year to increase from a 30/60 limit to 250/500 limits
- Teen drivers are expensive to insure, costing up to $283 each month if they have full coverage
- Drivers who tend to receive serious violations may be required to pay an average of $920 more every year to insure their Xterra
- Increasing comprehensive and collision 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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