Nissan Xterra Insurance Rates

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UPDATED: Jun 2, 2023

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Average insurance prices for a Nissan Xterra are $808 every 12 months with full coverage. Comprehensive costs an estimated $110, collision costs $98, and liability insurance costs $442. A policy with just liability insurance costs as little as $496 a year, with coverage for high-risk drivers costing around $1,730. Teens receive the highest rates at $3,396 a year or more.

Average premium for full coverage: $808

Rate estimates broken down by individual coverage type:

Comprehensive $110
Collision $98
Liability $442

Rates are based on $500 comprehensive and collision deductibles, liability limits of 30/60, and includes medical and uninsured motorist coverage. Rates are averaged for all U.S. states and for all Xterra models.

Price Range by Coverage and Risk

For the normal driver, prices range go from the cheapest price of $496 for just liability coverage to the much higher price of $1,730 for a driver that may need high-risk insurance.

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

Price Range by Location

Your location has a significant impact on car insurance rates. More rural locations tend to have more infrequent collision claims than cities with more traffic congestion.

The example below illustrates how geographic area affects insurance prices.

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

These examples demonstrate why everyone should compare rates for a targeted area and their own driving history, rather than relying on averaged prices.

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.

Detailed Rate Analysis

The chart below details estimated Nissan Xterra insurance rates for other coverage scenarios.

  • The cheapest rate after discounts is $511
  • Drivers who choose higher $1,000 deductibles will pay approximately $46 annually
  • The average price for a 40-year-old driver who has $500 deductibles is $808
  • Selecting pricier low deductibles for comprehensive and collision insurance increases the price to $896
  • High risk drivers with serious driving violations could pay up to $1,730 or more
  • The cost to insure a teen driver for full coverage can cost as much as $3,396 a year

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 rates for a Nissan Xterra can also vary considerably based on policy deductibles and limits, your driving record, and the model year and trim level.

Choosing higher comprehensive and collision insurance deductibles could save up to $140 each year, whereas buying more liability protection will increase premiums. Moving from a 50/100 liability limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

A more mature driver with no violations or accidents and higher deductibles could pay as little as $800 per year on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers should be prepared to pay at least $3,300 a year. View Rates by Age

If you like to drive fast or you were responsible for an accident, you may be forking out $1,000 to $1,400 additional per year, depending on your age. Nissan Xterra insurance for high-risk drivers can cost anywhere from 41% to 137% more than the average policy. View High Risk Driver Rates

Where you live makes a big difference in Nissan Xterra insurance rates. A 40-year-old driver could pay as low as $590 a year in states like Utah, Ohio, and New Hampshire, or have to pay at least $1,100 on average in New York, Michigan, 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

With so much variability in rates, the best way to find out which company is cheapest is to regularly compare rates from as many companies as possible. Every company calculates rates differently, and rates can be significantly 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 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 Best Cheap Nissan Xterra Insurance

Saving money on Nissan Xterra insurance not only requires having a decent driving record, but also having above-average credit, eliminating unnecessary coverage, and maximizing policy discounts. Invest the time to compare rates once a year by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from your local independent and exclusive agents.

The following items are a quick review of the data that was presented in the illustrations above.

  • You may be able to save approximately $80 per year simply by quoting online well ahead of the renewal date
  • Drivers who want additional liability coverage will pay approximately $490 every year to go from a minimum limit to a 250/500 level
  • 16 to 18-year-old drivers are expensive to insure, with premiums as much as $283 per month if full coverage is included
  • High-risk drivers with a DUI or reckless driving violation may pay on average $920 more annually than a driver with a clean driving record

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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