Nissan Xterra Insurance Rates
Enter your zip code below to view companies that have cheap auto insurance rates.
Michelle Robbins
Licensed Insurance Agent
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Licensed Insurance Agent
UPDATED: Jun 2, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
U.S. 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 is $442. A policy with just liability insurance costs around $496 a year, and coverage for high-risk drivers costs around $1,730. 16-year-old drivers pay the highest rates at up to $3,396 a year.
Average premium for full coverage: $808
Price estimates broken down by individual coverage:
Full coverage includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and for different Xterra trim levels.
Price Range from Low to High
For a 40-year-old driver, Nissan Xterra insurance prices range from the cheapest price of $496 for liability-only coverage to a much higher rate of $1,730 for a driver who has had serious violations or accidents.
Geographic Price Range
Choosing to live in a large city can have significant affects on the price of auto insurance. More rural locations have more infrequent comprehensive and collision claims than congested cities. The price range example below illustrates how your location can change insurance prices.
The ranges above highlight why anyone shopping for car insurance should compare rates quotes 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
- Raising to $1,000 deductibles will save approximately $46 every year
- The average price for the average middle-age driver who has $500 deductibles is $808
- Buying more expensive low deductibles increases the price to $896
- At-risk drivers with multiple tickets or accidents could pay up to $1,730
- The price to insure a teen driver with full coverage can cost as much as $3,396
Insurance prices for a Nissan Xterra are also quite variable based on deductibles and policy limits, your driving characteristics, and the model year and trim level.
Opting for high physical damage deductibles can reduce prices by up to $140 every year, while increasing your policy's liability limits will increase premiums. Changing from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $398 more per year. View Rates by Deductible or Liability Limit
An older driver with a clean driving record and higher deductibles may pay as little as $800 every 12 months on average for full coverage. Prices are highest for teenage drivers, since even excellent drivers can expect to pay at least $3,300 a year. View Rates by Age
If you have some driving violations or you were responsible for an accident, you are likely paying $1,000 to $1,400 extra each year, depending on your age. High-risk driver insurance is expensive and can cost as much as 41% to 137% more than the average rate. View High Risk Driver Rates
The state you live in also has a big influence on Nissan Xterra insurance prices. A middle-age driver might find prices 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.
| 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% |
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 Shop for More Affordable Nissan Xterra Insurance
Getting lower rates on car insurance consists of avoiding accidents and claims, having good credit, being claim-free, and deciding if full coverage is necessary. Invest the time to shop around every other policy renewal by getting quotes from direct car insurance companies like Progressive, GEICO, and Esurance, and also from local insurance agencies.
The points below are a summary of the ideas that were illustrated above.
- Drivers under the age of 20 are charged the highest prices, possibly costing $283 a month if they have full coverage
- Higher risk drivers who have multiple accidents or major violations may have to pay on average $920 more annually to insure a Nissan Xterra
- Increasing physical damage deductibles could save as much as $125 each year
- You may be able to save approximately $80 per year just by shopping 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.
Compare Rates and Save
Find companies with the cheapest rates in your area
Secured with SHA-256 Encryption
