How Much is Insurance on a Nissan Xterra?

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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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: Jul 16, 2021

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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
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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 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
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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
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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
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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
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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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