Nissan Xterra Insurance Rates
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UPDATED: Nov 19, 2021
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Estimated insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive costs around $110 a year, collision insurance costs $98, and liability 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 for type of coverage:
Rates are based on $500 policy deductibles, 30/60 liability limits, and includes medical and uninsured motorist coverage. Rates include averaging for all 50 states and Xterra trim levels.
Insurance Price Range by Risk and Coverage
For an average driver, insurance rates for a Nissan Xterra range from as low as $496 for just liability coverage to a high of $1,730 for a driver required to buy high-risk insurance.
Insurance Price Range by Location
Living in a larger city can make a big difference on car insurance rates. Areas with sparse population are statistically proven to have a lower frequency of physical damage claims than cities with more traffic congestion. The diagram below illustrates the effect of geographic area on auto insurance rates.
These rate differences illustrate why it is important to get quotes for a specific zip code and risk profile, instead of making a decision based 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.
Detailed Rate Analysis
The chart below illustrates average Nissan Xterra insurance rates for additional coverage choices and driver risks.
- The cheapest rate after discounts is $511
- Choosing higher $1,000 deductibles can save about $762 each year
- The average rate for a 40-year-old good driver using $500 deductibles is $808
- Selecting low $100 deductibles for comp and collision coverage will increase the cost to $896
- Higher-risk drivers with serious driving violations could pay at least $1,730
- An auto insurance policy for full coverage for a 16-year-old driver can be $3,396 each year
Insurance prices for a Nissan Xterra also have a wide range based on your driving characteristics, the model year and trim level, and deductibles and policy limits.
Older drivers with a clean driving record and high deductibles may pay as low as $800 annually on average, or $67 per month, for full coverage. Prices are much higher for drivers in their teens, where even good drivers can expect to pay as much as $3,300 a year. View Rates by Age
Where you choose to live plays a big part in determining prices for Nissan Xterra insurance prices. A good driver about age 40 could pay as low as $530 a year in states like Vermont, Wisconsin, and North Carolina, or have to pay at least $1,100 on average in Michigan, New York, and Florida.
| 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% |
Choosing higher comprehensive and collision insurance deductibles can save as much as $140 annually, while buying higher liability limits will increase prices. Switching from a 50/100 limit to a 250/500 limit will cost up to $398 more per 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 $1,000 to $1,400 extra annually, depending on your age. A high-risk auto insurance policy ranges from 41% to 137% more than the average policy. View High Risk Driver Rates
Insurance Rates by Trim Level and Model Year
| 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 2000 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Nissan Xterra | $168 | $188 | $474 | $988 |
| 2011 Nissan Xterra | $156 | $174 | $474 | $962 |
| 2009 Nissan Xterra | $140 | $144 | $474 | $916 |
| 2008 Nissan Xterra | $132 | $130 | $474 | $894 |
| 2007 Nissan Xterra | $128 | $118 | $468 | $872 |
| 2006 Nissan Xterra | $126 | $114 | $460 | $858 |
| 2005 Nissan Xterra | $124 | $110 | $452 | $844 |
| 2004 Nissan Xterra | $114 | $104 | $446 | $822 |
| 2003 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 better rates on insurance for a Nissan Xterra takes avoiding accidents and claims, maintaining good credit, paying for small claims out-of-pocket, and dropping full coverage on older vehicles. Take the time to compare rates at every policy renewal by getting rate quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from local exclusive and independent agents.
The points below are a quick review of the data covered in the above illustrations.
- Insureds who may need increased liability limits will pay approximately $490 annually to raise limits from 30/60 bodily injury limits to 250/500 limits
- It is possible to save up to $80 per year just by quoting early and online
- Increasing policy deductibles can save around $125 each year
- Drivers under the age of 20 pay higher prices, with premiums being up to $283 per month for full coverage
Rate Tables and Charts
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
| Deductible | Premium |
|---|---|
| $100 | $896 |
| $250 | $856 |
| $500 | $808 |
| $1,000 | $762 |
Full coverage, driver age 40
Rates by Liability Limit
| 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
| 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.
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 |
Discounts are estimated and may not be available from every company or in every state.
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