Nissan Xterra S 2WD Insurance Rates

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:

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

Price Range for Insurance for this Nissan Xterra Trim Level

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.

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

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.

View Chart as Image