Nissan Xterra Insurance Rates

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UPDATED: Jun 2, 2023

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U.S. average auto insurance rates for a Nissan Xterra are $808 annually for full coverage insurance. Comprehensive insurance costs on average $110, collision costs $98, and liability is estimated at $442. Buying just liability costs approximately $496 a year, with insurance for high-risk drivers costing $1,730 or more. 16-year-old drivers pay the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Price estimates by individual coverage:

Comprehensive $110
Collision $98
Liability $442

Price estimates include $500 physical damage insurance deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Estimates are averaged for all 50 states and for all Xterra models.

Price Range from Low to High

For a driver in their 40's, Nissan Xterra insurance prices go from as cheap as $496 for a discount liability-only rate to the much higher price of $1,730 for a high-risk driver policy.

Liability Only $496
Full Coverage $808
High Risk $1,730

Geographic Price Range

Living in a larger city can make a big difference on insurance rates. Rural areas have fewer physical damage claims than congested cities.

The example below illustrates how location helps determine car insurance rates.

Rural Areas $606
Small Cities $848
Large Cities $1,091

The ranges above illustrate why everyone should get quotes based on a specific location and their own personal driving habits, instead of making a decision based on 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.

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Rates by State, City, and Model

The chart below illustrates estimated Nissan Xterra insurance rates for different risk profiles and scenarios.

  • The best full coverage rate is $511
  • Choosing higher $1,000 deductibles can save around $46 each year
  • The estimated rate for the average middle-age driver with $500 deductibles is $808
  • Buying pricier low deductibles for comp and collision coverage costs an additional $88 annually
  • Higher-risk drivers with multiple tickets or accidents could pay upwards of $1,730 or more
  • The price with full coverage for a 16-year-old driver for full coverage may cost $3,396 each year

View Chart as Image

Nissan Xterra insurance cost comparison chart
Column chart showing full coverage Nissan Xterra insurance prices range from $511 to $3,396

Insurance prices for a Nissan Xterra are also quite variable based on the trim level and model year, your risk profile, and policy deductibles and limits.

A more mature driver with no violations or accidents and high physical damage deductibles may pay as low as $800 annually on average for full coverage. Prices are highest for teenage drivers, where even without any violations or accidents they should be prepared to pay upwards of $3,300 a year. View Rates by Age

If you have some driving violations or you caused a few accidents, you are probably paying at a minimum $1,000 to $1,400 additional each year, depending on your age. Nissan Xterra insurance for high-risk drivers ranges from 41% to 137% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles can save as much as $140 annually, whereas buying more liability protection will cost you more. Switching from a 50/100 bodily injury limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

The state you live in plays a big part in determining prices for Nissan Xterra insurance prices. A good driver about age 40 could pay as low as $530 a year in states like Vermont, Wisconsin, and North Carolina, or at least $1,100 on average in Michigan, New York, and Florida.

Nissan Xterra Insurance Rates by State
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%

View Chart as Image

Nissan Xterra insurance rates by U.S. city

Since prices can be so different, the only way to figure out exactly what you will pay is to regularly compare prices from multiple companies. Each auto insurer utilizes a different rate formula, and prices may be quite different between companies.

Insurance Rates by Trim Level and Model Year

Nissan Xterra Insurance Rates by Model and Trim Level
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.

Nissan Xterra Insurance Rates by Model Year
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 Buy Cheaper Nissan Xterra Insurance

Getting lower rates on insurance for a Nissan Xterra takes being a low-risk driver, having good credit, not filing small claims, and insuring your home and auto with the same company. Invest time comparing rates every time your policy renews by getting quotes from direct insurance companies like GEICO, Progressive, and Esurance, and also from local exclusive and independent agents.

The items below are a condensed summary of the information covered in the charts and tables above.

  • It is possible to save as much as $80 per year simply by quoting online well ahead of the renewal date
  • Teen drivers pay higher prices, as much as $283 a month if they have full coverage
  • Increasing physical damage deductibles could save up to $125 each year
  • Drivers considered higher risk with multiple at-fault accidents may pay on average $920 more each year to insure their Xterra
  • Insureds who require more liability coverage will pay around $490 annually to raise limits from a low limit to higher 250/500 limits

Rates by Driver Age

Nissan Xterra Insurance 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

Nissan Xterra Insurance Rates with Different Deductibles
Deductible Premium
$100 $896
$250 $856
$500 $808
$1,000 $762

Full coverage, driver age 40

Rates by Liability Limit

Nissan Xterra Insurance Rates with Different Liability Limits
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

Nissan Xterra Insurance 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.

SR-22 Surcharge $103

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
Rate after discounts $511

Discounts are estimated and may not be available from every company or in every state.

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