Compare Nissan Xterra Insurance Quotes [Everything You Need to Know]

Insurance rates for a Nissan Xterra average $1,112 a year, or around $93 a month. You can find cheap Nissan Xterra insurance rates if you are a good driver—Mature drivers with good driving records may find rates as low as $654 a year.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 29, 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

Looking for Nissan Xterra insurance rates can leave you with more questions than answers if you’ve never done it before.

That’s why you should know that the average Nissan Xterra car insurance rates cost drivers $1,112 a year, or $93 every month for full coverage. This figure is about $407 less than the average vehicle, but you can be even more aggressive while researching policies.

Let this detailed article help you while comparing Nissan Xterra rates from multiple companies. It will serve as a great point of reference so you can save big on your own policy.

You can start comparing quotes for Nissan Xterra car insurance rates from some of the best car 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 Mercedes-Benz GLA 250, Lexus RX 350, and BMW X3.

Vehicle Comprehensive Collision Liability Total
Mercedes-Benz GLA 250 $370 $714 $450 $1,714
Lexus RX 350 $358 $660 $440 $1,638
BMW X3 $376 $656 $372 $1,562
Ford Expedition $336 $532 $316 $1,320
GMC Acadia $294 $470 $372 $1,294
Cadillac XT5 $376 $718 $372 $1,624
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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 will affect the total price you will pay for Nissan Xterra insurance coverage.

Age of the Vehicle

The average Nissan Xterra auto insurance rates are higher for newer models. For example, auto insurance for a 2015 Nissan Xterra costs $1,112, while 2010 Nissan Xterra insurance costs 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 the cost of Nissan Xterra car insurance. For example, a 20-year-old driver could pay around $113 more each month for their Nissan Xterra car insurance than a 30-year-old driver.

Driver Location

Where you live can have a large impact on Nissan Xterra insurance rates. For example, drivers in Jacksonville may pay $667 a year more than drivers in Indianapolis.

Your Driving Record

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

Nissan Xterra Safety Ratings

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

Test Type Rating
Moderate overlap front Good
Side Good
Roof strength Acceptable
Head restraints and seats Marginal
Source: Insurance Institute for Highway Safety
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Nissan Xterra Crash Test Ratings

Good Nissan Xterra crash test ratings can lower your Nissan Xterra auto insurance rates. See Nissan Xterra crash test results below:

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

Nissan Xterra safety features can lower the cost of your insurance. The safety features for the 2015 Nissan Xterra include:

  • 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

The Nissan Xterra’s insurance loss probability varies between different coverage types. The lower percentage means lower Nissan Xterra auto insurance costs; higher percentages mean higher Nissan Xterra auto insurance costs.

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 auto insurance quotes from the best auto insurance companies using our FREE tool below.

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Ways to Save on Nissan Xterra Insurance

If you want to reduce the cost of your Nissan Xterra insurance rates, follow these tips below:

  • Ask for a New Nissan Xterra Auto Insurance Rate Based on Your Improved Credit Score
  • Don’t Skimp On Nissan Xterra Liability Coverage
  • Be Picky About Who Drives Your Nissan Xterra
  • Make Sure You Use an Accredited Driver Safety Program
  • Ask About Retiree Discounts

Top Nissan Xterra Insurance Companies

Who is the top car 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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Compare Free Nissan Xterra Insurance Quotes Online

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

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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