Best Nissan Xterra Car Insurance Quotes (2024)
Average auto insurance rates for a Nissan Xterra cost $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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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Nov 27, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
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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 quite a bit less than the average vehicle, partly due to the fact that they’ve been discontinued for a few years. Drivers of an older Nissan Xterra may choose to get liability coverage only which costs around $446 a year or $37 a month. Let’s take a closer look at Nissan Xterra insurance rates, insurance losses, and more.
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 car insurance costs for a Nissan Xterra 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, Hyundai Santa Fe, and Toyota Land Cruiser.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Mercedes-Benz GLA 250 | $370 | $714 | $450 | $1,714 |
| Hyundai Santa Fe | $294 | $562 | $372 | $1,386 |
| Toyota Land Cruiser | $420 | $774 | $398 | $1,750 |
| Kia Sorento | $322 | $562 | $372 | $1,414 |
| Nissan Armada | $306 | $536 | $338 | $1,316 |
| Mazda CX-9 | $332 | $542 | $390 | $1,422 |
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?
Even though the average annual rate for the Nissan Xterra is $1,112, your policy can be higher or lower depending upon your profile. Those factors include your age, home address, driving history, and the model year of your Nissan Xterra.
Age of the Vehicle
The average Nissan Xterra car insurance rates are higher for newer models. For example, car 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 |
Driver Age
Driver age can have a significant impact on the cost of Nissan Xterra auto insurance. For example, 20-year-old drivers pay approximately $1,360 each year for their Nissan Xterra auto insurance than 30-year-old drivers.
Driver Location
Where you live can have a large impact on Nissan Xterra insurance rates. For example, drivers in New York may pay $678 a year more than drivers in Seattle.
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 car insurance with violations on their driving record.
Nissan Xterra Safety Ratings
Your Nissan Xterra auto insurance rates are influenced by the Nissan Xterra’s safety ratings. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | Not Tested |
|---|---|
| Small overlap front: passenger-side | Not Tested |
| Moderate overlap front | Good |
| Side | Good |
| Roof strength | Acceptable |
| Head restraints and seats | Marginal |
| Source: Insurance Institute for Highway Safety | |
Nissan Xterra Crash Test Ratings
Good Nissan Xterra crash test ratings mean the VW is safer, which could mean cheaper Nissan Xterra car insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| Nissan Xterra | N/R | N/R | N/R | 3 |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Nissan Xterra Safety Features
The Nissan Xterra safety features play a vital role in keeping passengers safe in crashes, but they can also help lower your Nissan Xterra auto insurance rates. The Nissan Xterra’s safety features 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 ratio varies between different coverage types. While some types of insurance loss ratios are higher for the Nissan Xterra, others are more favorable and lead to lower insurance rates.
| 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 | |
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 rates from the best companies using our FREE tool below.
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Ways to Save on Nissan Xterra Insurance
There are many ways that you can save on Nissan Xterra car insurance to get the best value possible. Below are five scenarios you can explore to help keep your Nissan Xterra car insurance rates low.
- Buy a Dashcam for Your Nissan Xterra
- Don’t Skimp On Nissan Xterra Liability Coverage
- Ask About Nissan Xterra Discounts If You Were Listed on Someone Else’s Policy
- Buy Your Nissan Xterra with Cash, or Get a Shorter-Term Loan
- Understand that Your Insurer Can Change Your Nissan Xterra Auto Insurance Rates Mid-Term for Other Reasons
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 | |||
Compare Free Nissan Xterra Insurance Quotes Online
To start comparing Nissan Xterra car insurance quotes for free, use our online car insurance comparison tool.
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Frequently Asked Questions
How can I get the best Nissan Xterra car insurance quotes?
You can get the best Nissan Xterra car insurance quotes by shopping around and comparing multiple insurance providers. Also, make sure to provide accurate and complete information about yourself and your Nissan Xterra to get an accurate quote.
How much does Nissan Xterra car insurance cost?
The cost of Nissan Xterra car insurance varies depending on several factors, such as the model, age, location, driving history, and coverage level. Generally, the annual premium for Nissan Xterra car insurance ranges from $800 to $1,800.
What are the types of car insurance coverage available for Nissan Xterra cars?
The most common types of car insurance coverage for Nissan Xterra cars are liability coverage, collision coverage, comprehensive coverage, and personal injury protection (PIP) coverage.
Are there any discounts available for Nissan Xterra car insurance?
Yes, many insurance providers offer discounts for Nissan Xterra car insurance, such as safe driver discounts, multi-vehicle discounts, and bundling discounts.
What factors affect my Nissan Xterra car insurance rates?
Several factors can affect your Nissan Xterra car insurance rates, including your driving record, age, location, credit score, coverage level, and deductible.
Can I customize my Nissan Xterra car insurance policy?
Yes, you can customize your Nissan Xterra car insurance policy to fit your specific needs and budget. You can choose the coverage level, deductible, and optional add-ons, such as roadside assistance and rental car coverage.
How do I file a claim for Nissan Xterra car insurance?
To file a claim for Nissan Xterra car insurance, contact your insurance provider as soon as possible and provide them with all the necessary information about the accident or incident. They will guide you through the claim process and help you get the compensation you deserve.
What should I do if I can’t afford Nissan Xterra car insurance?
If you can’t afford Nissan Xterra car insurance, you can consider reducing your coverage level or increasing your deductible to lower your premium. You can also look for insurance providers that offer low-income programs or government-assisted programs. However, driving without car insurance is illegal and can lead to severe penalties and fines.
Are you looking for free insurance quotes?
Your one-stop online insurance guide. Get free quotes now!
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Kalyn Johnson
Insurance Claims Support & Sr. Adjuster
Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...
Insurance Claims Support & Sr. Adjuster
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.