Nissan Xterra Insurance Rates
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UPDATED: Jun 2, 2023
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Average auto insurance rates for a Nissan Xterra are $808 annually including full coverage. Comprehensive insurance costs on average $110 each year, collision costs $98, and liability insurance costs around $442. Liability-only coverage costs as low as $496 a year, with high-risk coverage costing $1,730 or more. Teen drivers receive the highest rates at $3,396 a year or more.
Average premium for full coverage: $808
Rate estimates by individual coverage type:
These estimates include $500 comprehensive and collision deductibles, 30/60 bodily injury liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all 50 U.S. states and Xterra models.
Price Range by Coverage and Risk
For an average driver, prices range go from as cheap as $496 for just liability insurance to a high rate of $1,730 for a driver who requires high-risk insurance.
Price Range by Location
Where you live has a significant impact on car insurance rates. Rural areas tend to have fewer comprehensive and collision claims than larger metro areas.
The graphic below illustrates the effect of geographic area on car insurance rates.
These examples highlight why all drivers should compare prices based on a specific location and their own personal driving habits, rather than relying on 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.
More Rate Details
The chart below breaks down estimated Nissan Xterra insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $511
- Using higher $1,000 deductibles will save around $46 every year
- The estimated rate for a 40-year-old driver with $500 deductibles is $808
- Choosing low deductibles for physical damage coverage costs an additional $88 a year
- Drivers with multiple violations and an at-fault accident could pay upwards of $1,730 or more
- The cost with full coverage for a teen driver may cost $3,396 or more
Car insurance rates for a Nissan Xterra can also vary considerably based on the trim level of your Xterra, your driving characteristics, and policy deductibles and limits.
More mature drivers with no driving violations and high physical damage deductibles could pay as little as $800 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will be charged upwards of $3,300 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you are likely paying at a minimum $1,000 to $1,400 extra per year, depending on your age. Insurance for high-risk drivers can be anywhere from 41% to 137% more than average. View High Risk Driver Rates
Choosing high deductibles could cut rates by as much as $140 each year, whereas increasing liability limits will cost you more. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every 12 months. View Rates by Deductible or Liability Limit
Where you live has a huge impact on Nissan Xterra insurance rates. A driver around age 40 might see rates as low as $620 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,160 on average in Michigan, New York, and Louisiana.
| 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 best way to figure out exactly what you will pay is to do a rate comparison from as many companies as possible. Each insurance company uses a different rate calculation, so rate quotes can be significantly different between companies.
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 | $156 | $174 | $474 | $962 |
| 2011 Nissan Xterra | $150 | $158 | $478 | $944 |
| 2009 Nissan Xterra | $132 | $130 | $474 | $894 |
| 2008 Nissan Xterra | $128 | $118 | $468 | $872 |
| 2007 Nissan Xterra | $126 | $114 | $460 | $858 |
| 2006 Nissan Xterra | $124 | $110 | $452 | $844 |
| 2005 Nissan Xterra | $114 | $104 | $446 | $822 |
| 2004 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 Buy Cheap Nissan Xterra Insurance
Saving money on Nissan Xterra insurance requires avoiding accidents and violations, having a good credit score, not filing small claims, and maximizing policy discounts. Take the time to compare rates at every other renewal by getting quotes from direct car insurance companies like Progressive and GEICO, and also from several local insurance agents.
The list below is a brief summary of the concepts that were covered in the above illustrations.
- High-risk drivers that tend to have accidents or serious violations pay on average $920 more each year for car insurance
- Teenagers are expensive to insure, as much as $283 per month if comprehensive and collision insurance is included
- You may be able to save as much as $80 per year simply by quoting online in advance
- Increasing deductibles could save up to $125 each year
- You may be able to save as much as $80 per year simply by quoting online in advance
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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