Online Nissan Xterra Insurance Rates [Comparison Guide]

Nissan Xterra insurance costs $93/mo or $1,112/yr, which is around $34 less per month or $407 less per year than other cars. Comprehensive coverage costs $23/mo or $271/yr, collision coverage costs $33/mo or $395/yr, and liability coverage costs $26.21/mo or $314/yr for Nissan Xterra insurance. Good drivers can save up to $38.21/mo or $458/yr on Nissan Xterra insurance rates.

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Rachel Bodine graduated from college with a BA in English. She has since worked as a Feature Writer in the insurance industry and gained a deep knowledge of state and countrywide insurance laws and rates. Her research and writing focus on helping readers understand their insurance coverage and how to find savings. Her expert advice on insurance has been featured on sites like PhotoEnforced, All...

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insurance...

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Reviewed by Leslie Kasperowicz
Farmers CSR for 4 Years

UPDATED: Oct 30, 2020

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Key takeaways:

  • Full coverage costs around $1,112 a year or $93 each month
  • A liability-only policy costs around $446 a year or $37 each month
  • Highest rates are for teenage drivers at around $4,064 a year or $339 each month
  • Good drivers can save as much as $458 a year by earning policy discounts
  • Nissan Xterra insurance costs around $407 less per year than the average vehicle

Nissan Xterra insurance rates are $407 cheaper than the average vehicle. Full coverage insurance costs $93 per month and liability-only coverage costs $37 per month. Teen drivers and other high-risk drivers could pay up to $339 per month. Continue reading to learn how you can save money on Nissan Xterra insurance rates.

You can start comparing quotes for Nissan Xterra insurance rates from some of the best auto insurance companies by using our free online tool now.

Nissan Xterra Insurance Cost

The average Nissan Xterra auto insurance costs are $1,112 a year or $93 a month.

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Are Nissan Xterras Expensive to Insure?

The chart below details how Nissan Xterra insurance rates compare to other SUVs like the Toyota 4Runner, GMC Yukon XL, and GMC Yukon.

Vehicle Comprehensive Collision Liability Total
Toyota 4Runner $332 $512 $332 $1,312
GMC Yukon XL $362 $562 $372 $1,454
GMC Yukon $376 $594 $372 $1,500
BMW X5 $444 $750 $372 $1,724
Buick Enclave $348 $594 $372 $1,472
Audi Q7 $394 $714 $398 $1,664
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However, there are a few things you can do to find the cheapest Nissan insurance rates online.

What Impacts the Cost of Nissan Xterra Insurance?

The Nissan Xterra trim and model you choose can impact the total price you will pay for Nissan Xterra auto insurance coverage.

Age of the Vehicle

Older Nissan Xterra models generally cost less to insure. For example, auto insurance rates for a 2015 Nissan Xterra are $1,112, while 2010 Nissan Xterra rates are $994, a difference of $118.

Model Year Comprehensive Collision Liability Total
2015 Nissan Xterra $216 $296 $442 $1,112
2014 Nissan Xterra $206 $276 $452 $1,092
2013 Nissan Xterra $198 $260 $456 $1,072
2012 Nissan Xterra $190 $232 $460 $1,040
2011 Nissan Xterra $178 $214 $460 $1,010
2010 Nissan Xterra $172 $200 $464 $994
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Driver Age

Driver age can have a significant effect on Nissan Xterra insurance rates. For example, 30-year-old drivers pay $49 more for Nissan Xterra auto insurance than 40-year-old drivers.

Driver Location

Where you live can have a large impact on Nissan Xterra insurance rates. For example, drivers in Phoenix may pay $612 a year less than drivers in Los Angeles.

Your Driving Record

Your driving record can have an impact on the cost of Nissan Xterra auto insurance. Teens and drivers in their 20’s see the highest jump in their Nissan Xterra auto insurance with violations on their driving record.

Nissan Xterra Safety Ratings

Your Nissan Xterra insurance rates are tied to the safety ratings of the Nissan Xterra. See the breakdown below:

Test Type Rating
Small overlap front: driver-side Not Tested
Small overlap front: passenger-side Not Tested
Moderate overlap front G
Side G
Roof strength A
Head restraints and seats M
Source: Insurance Institute for Highway Safety
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Nissan Xterra Crash Test Ratings

Good Nissan Xterra crash test ratings mean the VW is safer, which could mean cheaper Nissan Xterra insurance rates.

Vehicle Tested Overall Frontal Side Rollover
Nissan Xterra N/R N/R N/R 3 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration
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Nissan Xterra Safety Features

The safety features of the Nissan Xterra can impact your Nissan Xterra insurance rates. The Nissan Xterra has the following safety features:

  • Driver Air Bag
  • Passenger Air Bag
  • Front Head Air Bag
  • Rear Head Air Bag
  • Front Side Air Bag
  • 4-Wheel ABS
  • 4-Wheel Disc Brakes
  • Electronic Stability Control
  • Child Safety Locks
  • Traction Control

Nissan Xterra Insurance Loss Probability

Another contributing factor that affects Nissan Xterra insurance rates is the loss probability for each type of coverage.

Insurance Coverage Category Loss Rate
Collision -43%
Property Damage -5%
Comprehensive -55%
Personal Injury no data
Medical Payment no data
Bodily Injury no data
Source: Insurance Institute for Highway Safety
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Nissan Xterra Finance and Insurance Cost

If you are financing a Nissan Xterra, most lenders will require your carry higher Nissan Xterra coverage options including comprehensive coverage, so be sure to shop around and compare Nissan Xterra insurance rates from the best companies using our FREE tool below.

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Ways to Save on Nissan Xterra Insurance

You can save more money on your Nissan Xterra auto insurance rates by employing any of the following five strategies.

  • Tell Your Insurer About Different Drivers or Uses for Your Nissan Xterra
  • Move to an Area with a Lower Cost of Living
  • Ask About Retiree Discounts
  • Apply for Your Full, Unrestricted License as Soon as You’re Eligible
  • Get Cheaper Nissan Xterra Insurance Rates as a Full-Time Parent

Top Nissan Xterra Insurance Companies

Who is the best auto insurance company for Nissan Xterra insurance rates? While the actual rates you pay will depend on many factors, here are some of the top companies offering Nissan Xterra auto insurance coverage (ordered by market share). Many of these companies offer discounts for security systems and other safety features that the Nissan Xterra offers.

Rank Company Volume Market Share
1 State Farm $65,615,190 9.3%
2 GEICO $46,106,971 6.6%
3 Progressive $39,222,879 5.6%
4 Liberty Mutual $35,600,051 5.1%
5 Allstate $35,025,903 5.0%
6 Travelers $28,016,966 4.0%
7 USAA $23,483,080 3.3%
8 Chubb $23,388,385 3.3%
9 Farmers $20,643,559 2.9%
10 Nationwide $18,442,145 2.6%
Source: Insurance Information Institute
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