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  4. S 2WD

Nissan Xterra S 2WD Insurance Rates

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Estimated insurance rates for a Nissan Xterra S 2WD are $1,142 a year for full coverage insurance. Comprehensive insurance costs around $270, collision costs $350, and liability costs around $364. A liability-only policy costs as low as $430 a year, with high-risk insurance costing $2,422 or more. Teenage drivers pay the most at $4,246 a year or more.

Annual premium for full coverage: $1,142

Premium estimates for type of coverage:

Comprehensive $270
Collision $350
Liability $364

40-year-old driver, full coverage with $500 deductibles, and good driving record

Price Range for Insurance for this Nissan Xterra Trim Level

Using a 40-year-old driver as an example, insurance rates for a Nissan Xterra S 2WD go from as low as $430 for just liability coverage to the much higher price of $2,422 for a policy for a high-risk driver.

Liability Only $430
Full Coverage $1,142
High Risk $2,422

These rate differences illustrate why everyone should compare prices for a specific zip code and risk profile, instead of making a decision based on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

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Auto insurance rates for a Nissan Xterra S 2WD also have a wide range based on your driving characteristics, the model year, and deductibles and policy limits.

A more mature driver with a good driving record and high deductibles may pay as low as $1,100 a year, or $92 per month, for full coverage. Rates are much higher for drivers in their teens, where even good drivers will have to pay as much as $4,200 a year. View Rates by Age

Where you choose to live has a huge impact on Nissan Xterra S 2WD insurance prices. A driver around age 40 might see rates as low as $1,180 a year in states like North Carolina, , and , or be forced to pay as much as $1,800 on average in Michigan, Montana, and California. Rates by state and city are shown later in the article.

Using high physical damage deductibles could cut rates by as much as $410 annually, whereas buying more liability protection will increase rates. Switching from a 50/100 limit to a 250/500 limit will cost up to $327 extra every year. View Rates by Deductible or Liability Limit

If you have a few violations or tend to cause accidents, you are probably paying at least $1,300 to $1,800 in extra premium annually, depending on your age. Nissan Xterra S 2WD insurance for high-risk drivers can be from 42% to 127% more than a normal policy. View High Risk Driver Rates

With such a large range of rates, the only way to figure out your exact price is to regularly compare rates from multiple companies. Each insurance company uses a different method to calculate rates, and quoted rates will be substantially different from one company to the next.

View Chart as Image

Nissan Xterra S 2WD insurance cost comparison chart
Column chart showing Nissan Xterra S 2WD insurance prices range from $686 to $4,246 for full coverage

The chart estimates Nissan Xterra S 2WD insurance rates for different risk profiles and scenarios. The cheapest discount rate is $686. Drivers who use higher $1,000 deductibles will pay around $1,002. The average rate for a driver age 40 with no violations using $500 deductibles is $1,142. Selecting more expensive $100 deductibles for physical damage coverage could cost up to $1,412. Drivers with multiple violations and accidents could be charged up to $2,422. The rate for full coverage for a 16-year-old driver can be as high as $4,246.

Nissan Xterra S 2WD Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,032 -$110 -9.6%
Alaska $876 -$266 -23.3%
Arizona $948 -$194 -17.0%
Arkansas $1,142 -$0 0.0%
California $1,302 $160 14.0%
Colorado $1,092 -$50 -4.4%
Connecticut $1,176 $34 3.0%
Delaware $1,294 $152 13.3%
Florida $1,430 $288 25.2%
Georgia $1,056 -$86 -7.5%
Hawaii $822 -$320 -28.0%
Idaho $774 -$368 -32.2%
Illinois $850 -$292 -25.6%
Indiana $860 -$282 -24.7%
Iowa $772 -$370 -32.4%
Kansas $1,088 -$54 -4.7%
Kentucky $1,560 $418 36.6%
Louisiana $1,692 $550 48.2%
Maine $706 -$436 -38.2%
Maryland $942 -$200 -17.5%
Massachusetts $914 -$228 -20.0%
Michigan $1,986 $844 73.9%
Minnesota $956 -$186 -16.3%
Mississippi $1,370 $228 20.0%
Missouri $1,012 -$130 -11.4%
Montana $1,228 $86 7.5%
Nebraska $902 -$240 -21.0%
Nevada $1,370 $228 20.0%
New Hampshire $824 -$318 -27.8%
New Jersey $1,278 $136 11.9%
New Mexico $1,012 -$130 -11.4%
New York $1,204 $62 5.4%
North Carolina $660 -$482 -42.2%
North Dakota $936 -$206 -18.0%
Ohio $788 -$354 -31.0%
Oklahoma $1,176 $34 3.0%
Oregon $1,046 -$96 -8.4%
Pennsylvania $1,090 -$52 -4.6%
Rhode Island $1,524 $382 33.5%
South Carolina $1,038 -$104 -9.1%
South Dakota $964 -$178 -15.6%
Tennessee $1,002 -$140 -12.3%
Texas $1,378 $236 20.7%
Utah $848 -$294 -25.7%
Vermont $784 -$358 -31.3%
Virginia $684 -$458 -40.1%
Washington $884 -$258 -22.6%
West Virginia $1,048 -$94 -8.2%
Wisconsin $792 -$350 -30.6%
Wyoming $1,020 -$122 -10.7%

View Chart as Image

Nissan Xterra S 2WD insurance rates by U.S. city

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Rates by Driver Age

Nissan Xterra S 2WD Insurance Rates by Driver Age
Driver Age Premium
16 $4,246
20 $2,572
30 $1,184
40 $1,142
50 $1,042
60 $1,020

Full coverage, $500 deductibles

Rates by Deductible

Nissan Xterra S 2WD Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,412
$250 $1,290
$500 $1,142
$1,000 $1,002

Full coverage, driver age 40

Rates by Liability Limit

Nissan Xterra S 2WD Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,142
50/100 $1,215
100/300 $1,306
250/500 $1,542
100 CSL $1,251
300 CSL $1,451
500 CSL $1,597

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Xterra S 2WD Insurance Rates for High Risk Drivers
Age Premium
16 $6,016
20 $4,074
30 $2,470
40 $2,422
50 $2,310
60 $2,286

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 $147

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $59
Multi-vehicle $56
Homeowner $17
5-yr Accident Free $75
5-yr Claim Free $71
Paid in Full/EFT $47
Advance Quote $52
Online Quote $79
Total Discounts $456
Rate after discounts $686

Discounts are estimated and may not be available from every company or in every state.

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