Buy Cheap Nissan Xterra Auto Insurance in 2024
Average Nissan Xterra insurance rates cost $93 per month ($1,112 per year). Finding Nissan Xterra teenager insurance rates can cost on average $4,064 a year, so shop around to find cheap coverage.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Commercial Lines Coverage Specialist
UPDATED: Jul 28, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto 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 auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jul 28, 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 auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto 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 cheaper than rates on other vehicles. Nissan Xterra insurance costs around $407 less per year than the average vehicle. Read on to learn more about what goes into Nissan Xterra insurance rates.
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 car insurance rates 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 Mitsubishi Outlander Sport, Mercedes-Benz GLC 300, and Kia Telluride.
| Vehicle | Comprehensive | Collision | Liability | Total |
| Mitsubishi Outlander Sport | $280 | $512 | $332 | $1,260 |
| Mercedes-Benz GLC 300 | $412 | $810 | $390 | $1,770 |
| Kia Telluride | $376 | $688 | $316 | $1,516 |
| Acura RDX | $308 | $532 | $316 | $1,292 |
| Kia Sorento | $322 | $562 | $372 | $1,414 |
| Mercedes-Benz GLE 350 | $438 | $870 | $390 | $1,856 |
However, there are a few things you can do to find the cheapest Nissan insurance rates online.
Read more: Buy Cheap Mitsubishi Auto Insurance
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 car insurance coverage.
Age of the Vehicle
The average Nissan Xterra car insurance rates are higher for newer models. For example, car 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 |
Driver Age
Driver age can have a significant effect on the cost of Nissan Xterra car insurance. For example, 30-year-old drivers pay approximately $49 more for their Nissan Xterra car 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 Los Angeles may pay $612 a year more than drivers in Phoenix.
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 car insurance rates are tied to the safety ratings of the Nissan Xterra. See the breakdown below:
| Test Type | Rating |
| Small overlap front: driver-side | N/R |
|---|---|
| Small overlap front: passenger-side | N/R |
| 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
Not only do good Nissan Xterra crash test ratings mean you are better protected in a crash, but good crash ratings also mean cheaper Nissan Xterra auto insurance rates.
| Vehicle Tested | Overall | Frontal | Side | Rollover |
| 2015 Nissan Xterra SUV 4WD | N/R | N/R | N/R | 3 stars |
| 1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration | ||||
|---|---|---|---|---|
Nissan Xterra Safety Features
The Nissan Xterra safety features can help lower insurance costs. 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
The Nissan Xterra’s insurance loss probability varies for each form of coverage. The lower percentage means lower Nissan Xterra auto insurance rates; higher percentages mean higher Nissan Xterra car 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
When 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 car insurance rates from the best companies using our FREE tool below.
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Ways to Save on Nissan Xterra Insurance
Drivers can end up saving more money on their Nissan Xterra car insurance rates by employing any one of the following strategies.
- Don’t Skimp On Nissan Xterra Liability Coverage
- Check Your Nissan Xterra Policy Carefully to Ensure All Information is Correct
- Purchase a Roadside Assistance Program for Your Nissan Xterra
- Get Married and Ask for a Discount
- Ask About Usage-Based Insurance for Your Nissan Xterra
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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Frequently Asked Questions
How can I find cheap insurance for my Nissan Xterra?
To find cheap insurance for your Nissan Xterra, consider the following tips:
- Compare quotes from multiple insurance providers to find the best rates.
- Maintain a good driving record with no accidents or traffic violations.
- Opt for a higher deductible, which can lower your premium.
- Take advantage of any available discounts, such as those for safe driving, bundled policies, or anti-theft devices.
- Consider reducing coverage on older vehicles if it makes financial sense for you.
What factors affect the cost of insurance for a Nissan Xterra?
Several factors can influence the cost of insurance for a Nissan Xterra, including:
- Your driving history: A clean driving record typically results in lower premiums.
- Vehicle age and condition: Older vehicles may have lower premiums, while newer ones with advanced features can be costlier to insure.
- Location: Areas with higher crime rates or heavy traffic can lead to higher insurance costs.
- Usage: The number of miles you drive annually and the purpose of your vehicle (e.g., commuting, pleasure) can impact your premium.
- Coverage levels: The type and amount of coverage you choose will affect the cost.
Are there any specific insurance considerations for a Nissan Xterra?
Yes, there are a few insurance considerations specific to the Nissan Xterra:
- Comprehensive coverage: Since the Xterra is an SUV, it is often used for off-road adventures. Consider adding comprehensive coverage to protect against theft, vandalism, or damage from natural disasters.
- Liability coverage: Given the size and weight of the Xterra, it’s important to have adequate liability coverage in case of an accident.
- Safety features: The Xterra is equipped with various safety features. Some insurance providers may offer discounts for features like anti-lock brakes, stability control, or airbags.
How can I save money on Nissan Xterra insurance without compromising coverage?
You can save money on Nissan Xterra insurance without sacrificing coverage by:
- Shopping around: Compare quotes from different insurance companies to find the best rates.
- Taking advantage of discounts: Inquire about discounts for safe driving, bundling policies, or installing anti-theft devices.
- Increasing deductibles: Opting for a higher deductible can lower your premium, but make sure it’s an amount you can comfortably afford.
- Avoiding unnecessary coverage: Review your policy and eliminate any coverage that may not be needed for your specific situation.
- Maintaining a good driving record: Safe driving habits can lead to lower insurance rates over time.
Are there any specialized insurance providers for Nissan Xterra?
While there aren’t insurance providers exclusively dedicated to Nissan Xterra vehicles, many insurance companies offer coverage for this model. It’s recommended to compare quotes from different providers to find the most competitive rates and suitable coverage for your Nissan Xterra.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...
Commercial Lines Coverage Specialist
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.