Nissan Xterra Insurance Rates

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UPDATED: Jun 2, 2023

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The average insurance rates for a Nissan Xterra are $808 a year with full coverage. Comprehensive costs approximately $110 each year, collision insurance costs $98, and liability insurance costs $442. Liability-only insurance costs as little as $496 a year, and high-risk driver insurance costs around $1,730. Teens cost the most to insure at up to $3,396 a year.

Average premium for full coverage: $808

Policy rates by type of insurance:

Comprehensive $110
Collision $98
Liability $442

Rates are based on $500 physical damage deductibles, minimum liability limits, and includes uninsured motorist and medical coverage. Prices are averaged for all U.S. states and Xterra models.

Price Range Variability

For the average driver, Nissan Xterra insurance rates range from as low as $496 for the bare minimum liability coverage to a high rate of $1,730 for high-risk insurance.

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

Urban vs. Rural Price Range

Your location has a significant impact on the price of insurance. Rural locations are shown to have a lower frequency of collision claims than cities with more traffic congestion. The graphic below illustrates how location impacts auto insurance prices.

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

The examples above demonstrate why all drivers should compare rates using their specific location and risk profile, 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.

Additional Rate Information

The chart below details average Nissan Xterra insurance rates for additional coverage and risk scenarios.

  • The cheapest rate after discounts is $511
  • Drivers who choose higher $1,000 deductibles will pay $46 annually
  • The average rate for a good driver age 40 who chooses $500 deductibles is $808
  • Selecting low deductibles for comprehensive and collision insurance will increase the cost to $896
  • High risk drivers with serious driving violations could pay around $1,730
  • Policy cost for full coverage for a teen driver can cost $3,396 a 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

Auto insurance rates for a Nissan Xterra also range considerably based on your risk profile, the trim level and model year, and physical damage deductibles and liability limits.

More mature drivers with a good driving record and high deductibles could pay as little as $800 per year on average, or $67 per month, for full coverage. Rates are much higher for teenagers, where even good drivers will have to pay in the ballpark of $3,300 a year. View Rates by Age

Your home state 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

Choosing higher comprehensive and collision insurance deductibles could save up to $140 each year, whereas increasing liability limits will push rates upward. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $398 extra every year. View Rates by Deductible or Liability Limit

If you have a few points on your driving record or tend to cause accidents, you may be forking out anywhere from $1,000 to $1,400 in extra premium every year, depending on your age. Insurance for high-risk drivers can cost anywhere from 41% to 137% more than the average policy. View High Risk Driver Rates

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 Find the Best Cheap Nissan Xterra Insurance

Finding cheaper rates on Nissan Xterra insurance not only requires being a safe and courteous driver, but also having good credit, not filing small claims, and possibly higher deductibles. Spend time shopping around every couple of years by requesting quotes from direct companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.

Below is a quick review of the material that was touched on above.

  • Drivers who purchase higher levels of liability will pay approximately $490 every year to go from a 30/60 limit to 250/500 limits
  • Teenage drivers have the highest car insurance rates, as much as $283 each month if they have full coverage
  • High-risk drivers with a DUI or reckless driving violation pay on average $920 more per year for auto insurance
  • Increasing comprehensive and collision deductibles can save around $125 each year

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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