Nissan Xterra Insurance Rates

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UPDATED: Jun 2, 2023

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Estimated auto insurance rates for a Nissan Xterra are $808 annually for full coverage. Comprehensive costs on average $110, collision insurance costs $98, and liability coverage is estimated at $442. Liability-only coverage costs approximately $496 a year, and high-risk coverage costs around $1,730. Teens pay the most at up to $3,396 a year.

Average premium for full coverage: $808

Premium estimates by type of coverage:

Comprehensive $110
Collision $98
Liability $442

Estimates include $500 policy deductibles, liability limits of 30/60, and includes both medical and uninsured motorist insurance. Rates include averaging for all states and for different Xterra trim levels.

Insurance Price Range by Risk and Coverage

For a driver in their 40's, insurance rates for a Nissan Xterra range from as cheap as $496 for minimum levels of liability insurance to a much higher rate of $1,730 for a driver that may need high-risk insurance.

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

Insurance Price Range by Location

Living in a larger city has a large influence on car insurance rates. Rural areas are statistically proven to have fewer accident claims than cities with more traffic congestion. The price range example below illustrates how location helps determine car insurance rates.

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

These rate differences show why anyone shopping for car insurance should get quotes based on a specific location and their own personal driving habits, rather than using 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.

Additional Rate Details

The chart below shows average Nissan Xterra insurance rates for different risk profiles and scenarios.

  • The cheapest rate after discounts is $511
  • Choosing higher $1,000 deductibles can save around $46 a year
  • The estimated rate for a 40-year-old good driver with $500 deductibles is $808
  • Selecting more expensive low deductibles for comp and collision coverage will cost $896
  • Drivers with serious driving violations could pay upwards of $1,730
  • An auto insurance policy with full coverage for a teenage driver with full coverage may cost $3,396 each year

View Chart as Image

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

Insurance prices for a Nissan Xterra also have a wide range based on the model of your Xterra, your driver profile, and policy deductibles and limits.

An older driver with a clean driving record and high physical damage deductibles may only pay around $800 annually on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, where even without any violations or accidents they can expect to pay upwards of $3,300 a year. View Rates by Age

If you have a few violations or you caused a few accidents, you could be paying at a minimum $1,000 to $1,400 extra annually, depending on your age. High-risk driver insurance ranges around 41% to 137% more than the average policy. View High Risk Driver Rates

Choosing higher comprehensive and collision insurance deductibles can save as much as $140 a year, while increasing your policy's liability limits will cost you more. Going from a 50/100 bodily injury limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

Where you choose to live plays a big part in determining prices for Nissan Xterra insurance rates. A good driver about age 40 could pay as low as $530 a year in states like Idaho, Maine, and Iowa, or have to pay at least $1,160 on average in Michigan, Louisiana, and New York.

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

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 Buy Low Cost Nissan Xterra Insurance

Finding better rates on auto insurance takes being safe and accident-free, having a good credit history, not filing small claims, and determing if full coverage is necessary. Invest time comparing rates once a year by quoting rates from direct carriers, and also from local insurance agents.

Below you'll find a review of the data that was covered in the charts and tables above.

  • Drivers can save as much as $80 per year just by shopping early and online
  • Consumers who require more liability protection will pay approximately $490 each year to raise limits from 30/60 bodily injury limits to higher 250/500 limits
  • Youthful drivers pay the highest prices, as much as $283 per month including comprehensive and collision insurance
  • Drivers who have several accidents or serious violations may be required to pay an average of $920 more each year than a low-risk driver

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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