Nissan Xterra Insurance Rates
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UPDATED: Jun 2, 2023
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Average insurance rates for a Nissan Xterra are $808 a year for full coverage insurance. Comprehensive insurance costs on average $110, collision insurance costs $98, and liability is estimated at $442. A liability-only policy costs approximately $496 a year, and high-risk insurance costs $1,730 or more. Teenage drivers receive the highest rates at up to $3,396 a year.
Average premium for full coverage: $808
Rate estimates by individual coverage type:
Full coverage includes $500 comprehensive and collision deductibles, 30/60 split liability limits, and includes uninsured/under-insured motorist coverage. Rates are averaged for all 50 states and for all Xterra models.
Price Range by Coverage and Risk
Using a middle-aged driver as an example, prices range range from as low as $496 for your basic liability-only policy to the much higher price of $1,730 for a high-risk insurance policy.
Price Range by Location
Living in a larger city can have significant affects on insurance rates. Rural areas tend to have a lower frequency of physical damage claims than densely populated cities. The example below illustrates how where you live affects car insurance rates.
These examples illustrate why everyone should get quotes based on a specific location and risk profile, instead of using average rates.
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 illustrates average Nissan Xterra insurance rates for different risk profiles and scenarios.
- The best discount rate is $511
- Choosing higher $1,000 deductibles can save around $46 each year
- The average rate for a 40-year-old driver with $500 deductibles is $808
- Using pricier low deductibles for comp and collision coverage will cost an extra $88 every year
- Unlucky drivers who are prone to accidents and violations could pay upwards of $1,730
- The cost for full coverage for a teen driver for full coverage may cost $3,396 each year
Insurance rates for a Nissan Xterra can also vary considerably based on your driver profile, the model year and trim level, and policy deductibles and limits.
A more mature driver with a clean driving record and high deductibles may pay as little as $800 annually on average for full coverage. Rates are much higher for teen drivers, where even good drivers can expect to pay upwards of $3,300 a year. View Rates by Age
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 be forced to pay as much as $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% |
Using high physical damage deductibles can save as much as $140 every year, whereas buying more liability protection will cost you more. Switching from a 50/100 limit to a 250/500 limit will cost as much as $398 more per year. View Rates by Deductible or Liability Limit
If you like to drive fast or tend to cause accidents, you are probably paying at a minimum $1,000 to $1,400 extra per year, depending on your age. Nissan Xterra insurance for high-risk drivers ranges as much as 41% to 137% more than a normal 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 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 Find More Affordable Nissan Xterra Insurance
Saving money on car insurance takes having a decent driving record, maintaining good credit, avoid buying unnecessary coverage, and determing if full coverage is necessary. Take the time to comparison shop at least every other year by requesting rates from direct insurance companies like GEICO and Progressive, and also from local independent and exclusive agents.
The following items are a summary of the car insurance concepts touched on in the above illustrations.
- Higher risk drivers who have multiple accidents or major violations pay an average of $920 more each year than a driver with a clean driving record
- It is possible to save as much as $80 per year just by quoting online well ahead of the renewal date
- Increasing deductibles can save around $125 each year
- Policyholders who require additional liability coverage will pay an extra $490 annually to raise limits from a minimum limit to 250/500 limits
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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