Nissan Xterra X 2WD Insurance Rates

Average auto insurance rates for a Nissan Xterra X 2WD are $1,130 annually with full coverage. Comprehensive costs on average $258 a year, collision insurance costs $350, and liability coverage costs $364. Buying just liability costs as little as $430 a year, and insurance for high-risk drivers costs around $2,400. Teenage drivers receive the highest rates at up to $4,224 a year.

Annual premium for full coverage: $1,130

Rate estimates by individual coverage type:

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

Price Range for Insurance for this Nissan Xterra Trim Level

Price Range by Location

Your location has a large influence on auto insurance rates. Rural areas tend to have fewer collision claims than densely populated cities. The diagram below illustrates the effect of geographic area on car insurance rates.

These differences demonstrate why it is important for drivers to compare rates based on a specific location and their own personal driving habits, rather than using average rates.

Use the form below to get rates for your location.

Auto insurance rates for a Nissan Xterra X 2WD can also vary considerably based on the model year of your Xterra, your driving record, and policy deductibles and limits.

Older drivers with a good driving record and high physical damage deductibles may only pay around $1,100 per year on average for full coverage. Prices are much higher for teen drivers, where even without any violations or accidents they will have to pay upwards of $4,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out at a minimum $1,300 to $1,800 in extra premium per year, depending on your age. A high-risk auto insurance policy can cost around 43% to 129% more than a normal policy. View High Risk Driver Rates

Using high physical damage deductibles could save up to $400 a year, while buying higher liability limits will cost you more. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $327 extra every year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Nissan Xterra X 2WD insurance rates. A 40-year-old driver could pay as low as $970 a year in states like Indiana, Ohio, and Vermont, or be forced to pay as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

With so much variability in prices, the best way to find out exactly what you will pay is to get quotes and see how they stack up. Every company uses a different method to calculate prices, and quoted rates can be significantly different between companies.

View Chart as Image

The chart above shows Nissan Xterra X 2WD insurance prices for various situations. The cheapest price with discounts is $678. Drivers who use higher $1,000 deductibles will pay about $992. The average price for a 40-year-old male driver using $500 deductibles is $1,130. Choosing low $100 deductibles for comp and collision coverage can cost as much as $1,392. Drivers with multiple violations and accidents could be charged as much as $2,400. The cost for full coverage insurance for a teen driver is $4,224.

View Chart as Image