Nissan Xterra SE 2WD Insurance Rates

The average insurance rates for a Nissan Xterra SE 2WD are $1,188 a year with full coverage. Comprehensive insurance costs around $284, collision insurance costs $382, and liability costs around $364. Liability-only insurance costs as low as $430 a year, and high-risk driver insurance costs $2,524 or more. Teen drivers cost the most to insure at up to $4,392 a year.

Annual premium for full coverage: $1,188

Policy rates for type of insurance:

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

Price Range for Insurance for this Nissan Xterra Trim Level

These price differences demonstrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, instead of making a decision based on price averages.

Use the form below to get rates for your location.

Auto insurance rates for a Nissan Xterra SE 2WD also range considerably based on your risk profile, the actual cash value of your Xterra, and deductibles and policy limits.

An older 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 highest for teenagers, where even good drivers will have to pay as much as $4,300 a year. View Rates by Age

Your home state has a huge impact on Nissan Xterra SE 2WD insurance prices. A driver around age 40 might see rates as low as $970 a year in states like Indiana, Ohio, and Vermont, or as much as $1,790 on average in New Jersey, Michigan, and Montana. Rates by state and city are shown later in the article.

Choosing high deductibles could cut rates by as much as $440 annually, while increasing your policy's liability limits will increase rates. Moving from a 50/100 limit to a 250/500 limit will raise rates by up to $327 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 at least $1,400 to $1,900 in extra premium every year, depending on your age. High-risk driver insurance can be from 43% to 132% more than average. View High Risk Driver Rates

Because rates have so much variability, the best way to find out your exact price is to compare rates from multiple companies. Each insurance company uses a different rate calculation, and quoted rates will be varied from one company to the next.

View Chart as Image

The chart above shows Nissan Xterra SE 2WD insurance rates for various risk profiles and scenarios. The cheapest discount rate is $709. Drivers who choose higher $1,000 deductibles will pay around $1,036. The average rate for a driver age 40 with no violations using $500 deductibles is $1,188. Using more expensive $100 deductibles for comp and collision coverage could cost up to $1,476. High risk drivers could be charged around $2,524. The price for full coverage for a 16-year-old driver can be as high as $4,392.

View Chart as Image