Nissan Xterra Insurance Rates
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UPDATED: Jun 2, 2023
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Average insurance prices for a Nissan Xterra are $808 every 12 months for full coverage insurance. Comprehensive costs on average $110 each year, collision costs $98, and liability is estimated at $442. Buying just liability costs approximately $496 a year, with insurance for high-risk drivers costing around $1,730. Teens receive the highest rates at $3,396 a year or more.
Average premium for full coverage: $808
Rate estimates by individual coverage type:
Rate estimates include $500 policy deductibles, liability coverage up to 30/60, and includes medical and UM/UIM coverage. Rates are averaged for all 50 states and Xterra models.
Price Range by Coverage and Risk
For a driver around age 40, prices range go from the cheapest price of $496 for just liability insurance to a high rate of $1,730 for a high-risk driver policy.
Price Range by Location
Living in a larger city can make a big difference on insurance rates. Rural areas tend to have more infrequent physical damage claims than cities with more traffic congestion.
The graphic below illustrates the difference between rural and urban areas on car insurance rates.
These examples illustrate why all drivers should get quotes based on a specific location and their own driving history, 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.
More Rate Details
The chart below illustrates estimated Nissan Xterra insurance rates for different risk profiles and scenarios.
- The cheapest rate after discounts is $511
- Choosing higher $1,000 deductibles can save around $46 each year
- The average price for a 40-year-old driver with $500 deductibles is $808
- Selecting low deductibles for comp and collision coverage increases the price to $896
- Higher-risk drivers with serious driving violations could pay upwards of $1,730 or more
- The cost to insure a 16-year-old driver may cost $3,396 each year
Auto insurance rates for a Nissan Xterra can also vary considerably based on policy deductibles and limits, your risk profile, and the trim level of your Xterra.
Choosing higher comprehensive and collision insurance deductibles can save as much as $140 annually, whereas increasing liability limits will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit
More mature drivers with a good driving record and higher deductibles may pay as low as $800 annually on average for full coverage. Rates are much higher for teen drivers, since even excellent drivers will have to pay upwards of $3,300 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you are probably paying at a minimum $1,000 to $1,400 in extra premium per year, depending on your age. Insurance for high-risk drivers ranges from 41% to 137% more than the average policy. View High Risk Driver Rates
Where you 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% |
With so much variability in rates, the only way to figure out exactly what you will pay is to do a rate comparison from multiple companies. Each auto insurer calculates rates differently, and quoted rates can be significantly different.
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 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.
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2012 Nissan Xterra | $156 | $174 | $474 | $962 |
| 2011 Nissan Xterra | $150 | $158 | $478 | $944 |
| 2009 Nissan Xterra | $132 | $130 | $474 | $894 |
| 2008 Nissan Xterra | $128 | $118 | $468 | $872 |
| 2007 Nissan Xterra | $126 | $114 | $460 | $858 |
| 2006 Nissan Xterra | $124 | $110 | $452 | $844 |
| 2005 Nissan Xterra | $114 | $104 | $446 | $822 |
| 2004 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 Shop for the Best Nissan Xterra Insurance
Saving money on insurance for a Nissan Xterra takes avoiding accidents and claims, having a good credit score, avoid buying unnecessary coverage, and taking advantage of discounts. Set aside time to compare rates every time your policy renews by requesting rates from direct insurance companies like GEICO, Progressive, and Esurance, and also from several local insurance agents.
The points below are a brief recap of the information covered above.
- It is possible to save as much as $80 per year simply by quoting online in advance
- Drivers under the age of 20 are charged the highest rates, costing up to $283 per month if comprehensive and collision insurance is included
- Increasing deductibles could save as much as $125 each year
- Drivers considered higher risk who tend to receive serious violations pay on average $920 more each year to insure a Nissan Xterra
- Insureds who require increased liability limits will pay approximately $490 annually to raise limits from a minimum limit to a 250/500 level
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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