Nissan Xterra Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

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UPDATED: Jun 2, 2023

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U.S. average insurance prices for a Nissan Xterra are $808 every 12 months for full coverage insurance. Comprehensive costs around $110, collision costs $98, and liability insurance is $442. Buying just liability costs around $496 a year, with insurance for high-risk drivers costing around $1,730. Teen drivers pay the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Price estimates for individual coverage:

Comprehensive $110
Collision $98
Liability $442

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

Price Range from Low to High

Using a 40-year-old driver as an example, Nissan Xterra insurance prices go from the cheapest price of $496 for a discount liability-only rate to a much higher rate of $1,730 for a high-risk driver policy.

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

Geographic Price Range

Choosing to live in a large city has a significant impact on car insurance rates. Areas with sparse population have more infrequent physical damage claims than larger metro areas.

The price range example below illustrates how rural and urban location affects auto insurance rates.

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

The ranges above illustrate why anyone shopping for car insurance should compare rates quotes for a specific zip code and their own driving history, 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.

Rates by State, City, and Model

The chart below illustrates estimated Nissan Xterra insurance rates for additional coverage choices and driver risks.

  • The lowest rate with discounts is $511
  • Raising to $1,000 deductibles will save about $46 each year
  • The average price for the average middle-age driver using $500 deductibles is $808
  • Choosing more expensive low deductibles increases the price to $896
  • Higher-risk drivers with multiple violations and an at-fault accident could pay at least $1,730 or more
  • The price to insure a teen driver with full coverage can be $3,396

View Chart as Image

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

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

Choosing high deductibles can reduce prices by up to $140 each year, while increasing your policy's liability limits will increase prices. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 more each year. View Rates by Deductible or Liability Limit

An older driver with no violations or accidents and higher deductibles could pay as little as $800 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers should be prepared to pay as much as $3,300 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at least $1,000 to $1,400 additional each year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 41% to 137% more than average. View High Risk Driver Rates

The state you live in also has a big influence on Nissan Xterra insurance rates. A middle-age driver might find prices as low as $530 a year in states like Vermont, Wisconsin, and North Carolina, or as much as $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 your exact price is to compare prices from as many companies as possible. Every auto insurance company uses a different rate calculation, and prices may be quite different.

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 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.

Nissan Xterra Insurance Rates by Model Year
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 Shop for the Best Nissan Xterra Insurance

Getting lower rates on Nissan Xterra insurance consists of being a safe and courteous driver, having above-average credit, not filing small claims, and taking advantage of discounts. Set aside time to shop around every time your policy renews by getting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from your local independent and exclusive agents.

Below is a brief recap of the information raised in the charts and tables above.

  • It is possible to save up to $80 per year simply by shopping early and online
  • Teenage drivers are charged the highest prices, as much as $283 a month if full coverage is included
  • Increasing physical damage deductibles could save as much as $125 each year
  • High-risk drivers who tend to receive serious violations may pay on average $920 more every year for auto insurance
  • Drivers who may need higher levels of liability will pay about $490 annually to raise from a low limit to a 250/500 level

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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