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 with full coverage. Comprehensive costs on average $110 a year, collision costs $98, and liability costs $442. Buying just liability costs as little as $496 a year, with insurance for high-risk drivers costing around $1,730. 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:
Estimates include $500 deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Rates are averaged for all U.S. states and Xterra trim levels.
Price Range by Coverage and Risk
For a driver in their 40's, prices range go from as cheap as $496 for liability-only coverage to a high of $1,730 for a driver who has had serious violations or accidents.
Price Range by Location
Your location can have significant affects on auto insurance rates. Rural areas tend to have fewer collision claims than larger metro areas.
The diagram below illustrates how location helps determine car insurance rates.
These examples demonstrate why it is important to compare rates based on a specific location and their own personal driving habits, instead of using 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.
Additional Charts and Tables
The chart below details estimated Nissan Xterra insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $511
- Drivers who choose higher $1,000 deductibles will pay around $762 annually
- The estimated rate for a 40-year-old driver with $500 deductibles is $808
- Choosing low $100 deductibles for comprehensive and collision insurance will cost $896
- Higher-risk 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 a year
Auto insurance rates for a Nissan Xterra can also vary considerably based on the trim level of your Xterra, your driving record, and policy deductibles and limits.
Older drivers with a good driving record and high physical damage deductibles may pay as little as $800 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay upwards of $3,300 a year. View Rates by Age
If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,000 to $1,400 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost as much as 41% to 137% more than average. View High Risk Driver Rates
Choosing high deductibles could save up to $140 every year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit
Where you live makes a big difference in Nissan Xterra insurance prices. A 40-year-old driver could pay as low as $590 a year in states like New Hampshire, Ohio, and Utah, or as much as $1,100 on average in Florida, Michigan, 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% |
With so much variability in rates, the best way to find out exactly what you will pay is to get quotes and see which company has the best rate. Every company uses a different rate calculation, and quoted rates 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 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.
| 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 Low Cost Nissan Xterra Insurance
Saving money on car insurance not only requires not taking risks behind the wheel, but also having above-average credit, eliminating unnecessary coverage, and taking advantage of discounts. Invest time comparing rates every other policy renewal by quoting rates from direct companies like Progressive and GEICO, and also from local independent and exclusive agents.
The following is a review of the ideas that were covered in the charts and tables above.
- Teens are charged the highest rates, with premiums as much as $283 per month if full coverage is included
- Higher risk drivers who have several accidents or serious violations pay an average of $920 more each year for Xterra insurance
- Increasing deductibles could save up to $125 each year
- You may be able to save as much as $80 per year simply by quoting early and online
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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