Nissan Xterra Insurance Rates

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UPDATED: Jun 2, 2023

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The average insurance prices for a Nissan Xterra are $808 every 12 months including full coverage. Comprehensive costs an estimated $110, collision insurance costs $98, and liability costs around $442. Liability-only insurance costs as low as $496 a year, and high-risk driver insurance costs around $1,730. 16-year-old drivers cost the most to insure at up to $3,396 a year.

Average premium for full coverage: $808

Policy rates broken down by type of insurance:

Comprehensive $110
Collision $98
Liability $442

Prices include $500 deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Prices are averaged for all 50 U.S. states and for all Xterra models.

Price Range Variability

For the average 40-year-old driver, Nissan Xterra insurance rates range from the cheapest price of $496 for liability-only coverage to the much higher price of $1,730 for a driver who requires high-risk insurance.

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

Urban vs. Rural Price Range

Where you live can have significant affects on the price of auto insurance. More rural locations are shown to have more infrequent comprehensive and collision claims than congested cities. The example below illustrates the difference location can make on insurance prices.

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

The examples above highlight why everyone should compare prices for a targeted area 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.

Additional Charts and Tables

The chart below breaks down average Nissan Xterra insurance rates for other coverage scenarios.

  • The best full coverage rate is $511
  • Using higher $1,000 deductibles will save approximately $46 every year
  • The average price for a good driver age 40 who has $500 deductibles is $808
  • Buying pricier low deductibles for physical damage coverage increases the price to $896
  • Drivers with multiple tickets or accidents could pay up to $1,730
  • Policy cost to insure a teen driver for full coverage can cost as much as $3,396 or more

View Chart as Image

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

Auto insurance rates for a Nissan Xterra also range considerably based on liability limits and deductibles, your driving characteristics, and the model year and trim level.

Opting for high physical damage deductibles could cut rates by as much as $140 every year, whereas buying more liability protection will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

A more mature driver with a good driving record and higher deductibles may pay as little as $800 a year, or $67 per month, for full coverage. Rates are highest for teenagers, since even excellent drivers will have to pay at least $3,300 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are likely paying $1,000 to $1,400 in extra premium every year, depending on your age. Nissan Xterra insurance for high-risk drivers can be as much as 41% to 137% more than the average rate. View High Risk Driver Rates

Your home state has a huge impact on Nissan Xterra insurance prices. A driver around age 40 might see rates as low as $620 a year in states like Vermont, New Hampshire, and Missouri, or at least $1,160 on average in Louisiana, New York, and Michigan.

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

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 $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 the Right Nissan Xterra Insurance

Finding cheaper rates on car insurance requires not taking risks behind the wheel, having a good credit score, paying for small claims out-of-pocket, and consideration of higher deductibles. Make time to compare rates at every other renewal by getting rate quotes from direct car insurance companies, and also from local insurance agencies.

The following is a quick rundown of the concepts that were touched on in this article.

  • Higher risk drivers with reckless driving or DUI convictions may have to pay on average $920 more annually for Xterra insurance
  • Teens are the costliest to insure, with premiums being up to $283 each month if comprehensive and collision insurance is included
  • You may be able to save approximately $80 per year just by quoting online well ahead of the renewal date
  • Increasing comprehensive and collision deductibles could save as much as $125 each year
  • You may be able to save approximately $80 per year just by quoting online well ahead of the renewal date

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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