Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

UPDATED: Jul 15, 2020

Advertiser Disclosure

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 partner with top insurance providers. This doesn’t influence our content. Our opinions are our own.

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.

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.

Table of Contents

Nissan Xterra Insurance Cost

The average car insurance costs for a Nissan Xterra are $1,112 a year or $93 a month.

Your one-stop online Insurance guide. Get a free quote now!

 Secured with SHA-256 Encryption

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
Compare RatesStart Now →

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
Compare RatesStart Now →

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
Compare RatesStart Now →

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
Compare RatesStart Now →

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
Compare RatesStart Now →

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.

Your one-stop online Insurance guide. Get a free quote now!

 Secured with SHA-256 Encryption

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 RatesStart Now →

Compare Free Nissan Xterra Insurance Quotes Online

To start comparing Nissan Xterra car insurance quotes for free, use our online car insurance comparison tool.