Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that exis...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 6, 2020

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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 $93 per month for full coverage, while liability-only insurance costs $37 per month. Insuring a Nissan Xterra will save you $407 per year. Continue reading to learn how you can save $458 per year on Nissan Xterra insurance rates.

You can start comparing quotes for Nissan Xterra auto insurance rates from some of the best auto insurance companies by using our free online tool now.

Nissan Xterra Insurance Cost

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

Keep in mind that insurance costs will vary depending on age, gender, driving history, and a number of other factor. The XTerra is not the cheapest SUV to insure, but it does fall within the average category for insurance. The prices vary greatly because the cost to insure will also depend on the style that you drive. The basic XTerra models will be cheaper to insure.

Many insurance companies will increase premium costs based on the market value of a vehicle. If an expensive vehicle is damaged and a claim is filed, it will cost the insurance company more money to either fix or replace the vehicle. That means heavier premiums.

You can also keep in the mind type of transmission. This is especially important for the XTerra because of its off-road capabilities. Depending on the insurance company, your transmission type can affect premium costs.

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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 Jeep Grand Cherokee, Lexus RX 350, and Volkswagen Atlas.

Vehicle Comprehensive Collision Liability Total
Jeep Grand Cherokee $322 $562 $372 $1,414
Lexus RX 350 $358 $660 $440 $1,638
Volkswagen Atlas $358 $690 $390 $1,596
Volvo XC90 $346 $600 $390 $1,494
Mitsubishi Outlander $306 $542 $332 $1,316
Mercedes-Benz GLS 450 $458 $894 $398 $1,908
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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 insurance coverage.

Age of the Vehicle

Older Nissan Xterra models generally cost less to insure. For example, auto 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
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Driver Age

Driver age can have a significant effect on Nissan Xterra auto insurance rates. As an example, a 30-year-old driver pays around $49 more each year for their Nissan Xterra auto insurance than a 40-year-old driver.

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 auto insurance rates with violations on their driving record.

Nissan Xterra Safety Ratings

Your Nissan Xterra auto insurance rates are tied to 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 G
Side G
Roof strength A
Head restraints and seats M
Source: Insurance Institute for Highway Safety
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Nissan Xterra Crash Test Ratings

The crash test ratings of the Nissan Xterra can impact your Nissan Xterra auto insurance rates.

Vehicle Tested Overall Frontal Side Rollover
Nissan Xterra N/R N/R N/R 3 stars
1-5 Star Rating Scale, N/R = No Rating | Source: National Highway Traffic Safety Administration

Being an SUV, and one that is known as a true off-roading vehicle, you can expect exceptional safety ratings from the XTerra. The great part is that solid safety and crash-test ratings for a vehicle means lower insurance rates. Insurance companies base much of their premium rates on risk. If they view a vehicle as safe to drive, you can bet you will have a lower insurance cost for that vehicle.

The Nissan XTerra does provide great safety ratings, so it does receive lower than average insurance costs, for an experienced driver. According to the Insurance Institute for Highway Safety, newer models, ranging from 2011 and newer, received a good rating in every category, except roof strength tests. A good rating is the highest possible score, so the Nissan XTerra checks out as a safe ride.

In addition, the National Highway Traffic Safety Administration rates the 2010 model with three to five stars in every category. Newer models have not yet been tested by the NHTSA.

Regardless, the XTerra has consistently ranked high in its class for safety and crash-test ratings. This makes it a great vehicle to drive if you are looking for lower insurance costs.

Remember, every insurance company will base premium costs on a variety of factors, so do not base your entire decision on a vehicle’s safety ratings. It does provide a good indicator of costs, but it is not the last word on car insurance.

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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

In addition to safety ratings, insurance companies also value a vehicle that comes with many standard safety features. Many insurance providers even offer valuable discounts for customers with certain featured installed in their vehicles. For example, anti-theft devices usually will get you a discount of some kind.

Before considering the Nissan XTerra, find out about the standard features it comes with and do your insurance research with that in mind.

XTerras typically come equipped with anti-lock braking systems, front and side airbags, and stability control. You can also find models with other valuable safety features like hill-descent control, for the person likes getting off the road more traveled.

Most vehicles also have a slew of other optional features, some of which are safety-related. Before making a new purchase, ask your dealer what additional safety features are available. If you can afford to deck out your new vehicle with as many safety features as possible, you can guarantee a lower insurance cost.

Other Features

Safety features and crash-test ratings aside, the Nissan XTerra also offers a powerful V-6 engine, capable of up to 260 horsepower. The rugged XTerra is typically considered an old-school SUV that is designed to go off-road, has power and grit to handle any situation. From an auto insurance standpoint, that means higher costs.

Despite testing well for safety and having a wealth of safety features available, the larger engine will garner higher insurance costs, especially for a newer driver. Every insurance company views a larger engine, especially for SUVs, as a potential for accidents.

With its off-road selling point, the XTerra is an SUV that will usually land somewhere in the middle for auto insurance prices. There are other SUVs on the market that will yield lower premiums.

Also, the Nissan XTerra is not known for its fuel economy. Being a larger SUV and less of a crossover, the XTerra only gets around 15-20 miles per gallon. Again, it does offer great versatility for off-road and has great storage space, but if you are looking to save money on insurance and gas, it may not be the best option in its class.

The XTerra has some great features. However, because of its off-road abilities, and depending on how you drive the vehicle, you will probably be looking at above average insurance costs, when compared to other SUVs.

Nissan Xterra Insurance Loss Probability

The lower percentage means lower Nissan Xterra auto insurance rates; higher percentages mean higher Nissan Xterra auto insurance rates. The Nissan Xterra’s insurance loss probability varies for each form of coverage.

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

If you are financing a Nissan Xterra, you will pay more if you purchase Nissan Xterra auto insurance at the dealership, so be sure to shop around and compare Nissan Xterra auto insurance quotes 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 auto insurance. Below are five actions you can take to find cheap Nissan Xterra auto insurance rates.

  • Ask for a Higher Deductible for Your Nissan Xterra Auto Insurance Policy
  • Ask About Nissan Xterra Safety Discounts
  • Make Sure You Use an Accredited Driver Safety Program
  • Check Reviews and State Complaints Before You Choose an Insurer
  • Ask About Mature Driver Discounts for Drivers Over 50

Top Nissan Xterra Insurance Companies

Several top auto insurance companies offer competitive rates for the Nissan Xterra rates based on factors like discounts for safety features. Take a look at this list of top auto insurance companies that are popular with Nissan Xterra drivers organized by market share.

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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Pricing and Consumer Reviews

The Nissan XTerra is a very popular SUV for consumers who enjoy off-roading. Before you consider buying an XTerra, make sure you consider every possible factor involved in finding the best auto insurance coverage for this exciting vehicle from Nissan.

America is a country obsessed with cars. Our fascination with the machine was birthed from Henry Ford and continues today. When you find that perfect car, it seems all other considerations about the vehicle disappear. However, things like auto insurance are important aspects to consider before making a purchase.

Reliability is also a major concern for both consumers and insurance providers. Again, it is all about risk factor. If a vehicle has consumer review issues and is not considered reliable, you may see elevated insurance prices.

According to J.D. Power and Associates, the XTerra received moderately high marks in quality, but below average marks for performance and design.

With solid reviews, its reliability has never been a question, which is good news for auto insurance premiums.

Finally, if money is a concern, the current XTerra models run around $25,000 to $30,000 depending on the style you buy. As SUVs go, the XTerra is a solid choice for safety and reliability, as well as moderately priced insurance.

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Other Factors to Consider

The car you drive affects every insurance premium. However, that is not the only thing affecting your insurance prices. Even though the XTerra usually has moderate insurance costs does not mean your premium will be priced the same. You must consider a few other factors before making your final decision on auto coverage.

One major factor that trumps even the car you drive is your driving history. If you happen to be young or you have not been driving for very long, you are automatically placed in a higher risk pool of clients.

Insurance companies see lack of experience driving as a major risk factor. As such, the insurance providers will always charge more for coverage for younger drivers. The Nissan XTerra can get quite expensive to insure for a rookie on the road.

In addition to age and experience driving, you need to also consider your record. Things like tickets and accidents will cause insurance companies to worry about your reliability as a driver.

Because of this, a poor driving record will always yield high insurance costs. If you are unsure what your record looks like, contact your local department of motor vehicles. Many of the state departments will offer driver histories for a small fee.

Many states will remove blemishes on your driving record after a set number of years have passed. Contacting your state department is another great way to check up on their policies. You may also want to consider updating your current insurance provider on your driving record, as errors can occur from time to time.

A few other factors that influence insurance costs are credit histories. Many insurance companies have found a pattern between clients who have poor credit scores and clients who file a large number of claims. Companies found that the lower a credit score is, the amount of claims filed increases.

By keeping your credit score as blemish-free as possible, you can help reduce premium costs significantly.

One other factor that you can help control is the type of coverage you buy. Increasing deductibles on your policy is a great way to lower monthly costs. In addition, removing unnecessary coverage like roadside assistance and rental insurance can be helpful in reducing premium prices. Other coverage like collision and comprehensive can be overlooked as well, depending on your vehicle situation.

A few final considerations are the age of your vehicle. Typically, the older the vehicle is the lower the insurance cost will be. If you have the option of purchasing a used XTerra, even by a few years, you could save big of auto insurance.

Some factors, like age, gender, and where you live also influence premiums. Those, sadly, are outside of your control. However, there are enough factors that you can control to make finding affordable insurance a very real possibility.

Getting as many quotes as possible and doing solid research will be the best way to find great insurance for your Nissan XTerra.

A very valuable educational resource is the Insurance Information Institute. By providing consumers with a wide range of resources and tools, the Insurance Information Institute is one of many ways to make sure you are getting the best deal possible.

Compare Free Nissan Xterra Insurance Quotes Online

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