Nissan Xterra Insurance Rates

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Cheapest 2000 Nissan Xterra Insurance Rates in 2025

Are you tired of paying out the nose to buy car insurance? You are no different than most other car owners. Many insurance companies vie for your hard-earned dollar, so it's not easy to compare every insurance company to get the cheapest price If you have a policy now or are shopping for new coverage, you will benefit by learning to find better prices while maximizing coverage. Buying car insur...

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UPDATED: Jun 2, 2023

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Average auto insurance rates for a Nissan Xterra are $808 annually for full coverage. Comprehensive costs an estimated $110 a year, collision insurance costs $98, and liability coverage costs $442. A policy with just liability insurance costs as little as $496 a year, and coverage for high-risk drivers costs around $1,730. 16-year-old drivers receive the highest rates at up to $3,396 a year.

Average premium for full coverage: $808

Rate estimates broken down by individual coverage type:

Comprehensive $110
Collision $98
Liability $442

Estimates include $500 policy deductibles, split liability limits of 30/60, and includes uninsured/under-insured motorist coverage. Rates are averaged for all states and Xterra trim levels.

Price Range by Coverage and Risk

For a driver around age 40, prices range range from as cheap as $496 for your basic liability-only policy to a high of $1,730 for coverage for higher-risk drivers.

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

Price Range by Location

Your location has a large influence on insurance rates. More rural locations tend to have fewer accident claims than congested cities. The diagram below illustrates the difference between rural and urban areas on insurance prices.

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

These examples show why it is important to compare rates for a targeted area and their own personal driving habits, rather than using 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.

More Rate Information

The chart below shows average Nissan Xterra insurance rates for other coverage scenarios.

  • The best full coverage rate is $511
  • Drivers who choose higher $1,000 deductibles will pay approximately $762 a year
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $808
  • Buying low $100 deductibles for comprehensive and collision insurance will cost $896
  • High-risk insureds with multiple tickets or accidents could pay up to $1,730
  • The cost with full coverage for a teenage driver can cost as much as $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

Insurance rates for a Nissan Xterra can also vary considerably based on the trim level of your Xterra, your driver profile, and liability limits and deductibles.

Older drivers with no violations or accidents and high physical damage deductibles may only pay around $800 per year on average for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they should be prepared to pay at least $3,300 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you could be paying $1,000 to $1,400 additional per year, depending on your age. A high-risk auto insurance policy can cost around 41% to 137% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could save up to $140 a year, while buying higher liability limits will increase premiums. Going from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 more each year. View Rates by Deductible or Liability Limit

Where you live makes a big difference in Nissan Xterra insurance rates. A 40-year-old driver could pay as low as $530 a year in states like Iowa, Maine, and Idaho, or at least $1,160 on average in New York, Louisiana, and Michigan.

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

Saving money on auto insurance not only requires being a good driver, but also having good credit, eliminating unneeded coverage, and possibly raising deductibles. Set aside time to compare rates at least once a year by requesting rates from direct carriers like Progressive and GEICO, and also from local exclusive and independent agents.

The following list is a review of the primary concepts that were covered above.

  • Drivers can save approximately $80 per year just by quoting early and online
  • Drivers who have several accidents or serious violations may pay on average $920 more annually than a safer driver
  • Increasing deductibles could save up to $125 each year
  • Drivers age 16 to 20 are expensive to insure, costing as high as $283 per month if they have full coverage

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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