UPDATED: Oct 27, 2020
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- 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.
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.
|Mitsubishi Outlander Sport||$280||$512||$332||$1,260|
|Mercedes-Benz GLC 300||$412||$810||$390||$1,770|
|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.
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.
|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 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.
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:
|Small overlap front: driver-side||N/R|
|Small overlap front: passenger-side||N/R|
|Moderate overlap front||Good|
|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.
|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|
|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.
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.
|Source: Insurance Information Institute|
Compare Free Nissan Xterra Insurance Quotes Online
Start comparing Nissan Xterra auto insurance quotes for free by using our FREE online comparison tool.