Nissan Xterra Insurance Rates
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Michelle Robbins
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UPDATED: Jun 2, 2023
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Estimated auto insurance rates for a Nissan Xterra are $808 annually including full coverage. Comprehensive costs around $110 each year, collision insurance costs $98, and liability insurance costs around $442. A liability-only policy costs as low as $496 a year, and high-risk insurance costs around $1,730. 16-year-old drivers pay the most at up to $3,396 a year.
Average premium for full coverage: $808
Premium estimates for type of coverage:
Prices include $500 deductibles, 30/60 liability coverage, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Xterra models.
Insurance Price Range by Risk and Coverage
For a 40-year-old driver, insurance rates for a Nissan Xterra range from as cheap as $496 for a discount liability-only rate to a high rate of $1,730 for a policy for a high-risk driver.
Insurance Price Range by Location
Where you live has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have fewer comprehensive and collision claims than congested cities. The graphic below illustrates how your location can change auto insurance rates.
These rate differences highlight why all drivers should compare prices for a specific zip code and their own personal driving habits, rather than relying on 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.
Rates by State, City, and Model
The chart below breaks down average Nissan Xterra insurance rates for additional coverage choices and driver risks.
- The best full coverage rate is $511
- Using higher $1,000 deductibles will save about $46 every year
- The estimated rate for a 40-year-old good driver using $500 deductibles is $808
- Buying low deductibles for physical damage coverage will cost $896
- Drivers with multiple tickets or accidents could pay at least $1,730
- An auto insurance policy with full coverage for a teen driver can be $3,396 or more
Auto insurance prices for a Nissan Xterra also have a wide range based on the model of your Xterra, your driving characteristics, and deductibles and policy limits.
More mature drivers with a good driving record and high physical damage deductibles could pay as little as $800 a year, or $67 per month, for full coverage. Prices are highest for drivers in their teens, where even without any violations or accidents they will have to pay as much as $3,300 a year. View Rates by Age
If you have a few violations or you caused a few accidents, you are likely paying at least $1,000 to $1,400 in extra premium annually, depending on your age. Insurance for high-risk drivers can be anywhere from 41% to 137% more than the average rate. View High Risk Driver Rates
Opting for high physical damage deductibles could cut prices by as much as $140 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 extra every year. View Rates by Deductible or Liability Limit
Where you choose to live has a huge impact on Nissan Xterra insurance rates. A driver around age 40 might see prices as low as $620 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,160 on average in Michigan, New York, and Louisiana.
| 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 Buy the Right Nissan Xterra Insurance
Finding better rates on Nissan Xterra insurance requires not taking risks behind the wheel, having above-average credit, refrain from filing small claims, and possibly raising deductibles. Invest the time to shop around every year by getting quotes from direct car insurance companies, and also from your local independent and exclusive agents.
The following is a quick rundown of the coverage data illustrated above.
- You may be able to save up to $80 per year just by quoting online in advance
- Increasing policy deductibles could save up to $125 each year
- Teens are expensive to insure, with the cost nearing $283 per month if full coverage is included
- High-risk drivers with reckless driving or DUI convictions may pay on average $920 more every year for Xterra insurance
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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