Nissan Xterra Insurance Rates
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Are Nissan xterras expensive to insure?
Nissan Xterra is pretty expensive to insure. They are large trucks with some performance, similar to many sports cars visually, but realistically more like a family car. While the insurance rate is not as high as true sports cars, it certainly does carry a premium over most vehicles.
Are Nissan versas cheap insurance?
Yes. A Nissan Versa has low insurance costs; the car's yearly estimated cost is $954 -- cheaper than the national average of $1,217. This places it at an affordable price for its market value.
What is auto insurance and why do I need it?
Auto insurance is a type of coverage that provides financial protection against injuries or property damage resulting from car accidents. You can buy it for an individual vehicle or for multiple vehicles. Someone who owns a car, truck, motorcycle, boat, or recreational vehicle needs auto insurance because it:
What does it mean when your car is insured?
Insurance is a financial arrangement where the insurer promises to pay the insured party (the policyholder) for certain losses or damages that may occur. This agreement provides some security for the purchaser of the contract against losses that he cannot reasonably afford to bear on an occurrence of damage, loss, or liability. Most insurances are sold by specialized agents known as insurance brokers, while some are sold directly by insurers themselves via web portals.
Nissan Xterra Trims Available
| Nissan Xterra Trim Level | Annual Policy | 6-month Policy | Per Month |
|---|---|---|---|
| X 2WD | $964 | $485 | $82 |
| S 2WD | $1002 | $503 | $84 |
| X 4WD | $999 | $502 | $84 |
| S 4WD | $1040 | $520 | $88 |
| Pro-4x 4WD | $1085 | $543 | $90 |
Cost Summary
| Driver Risk Profile | Annual Rate | Monthly Rate |
|---|---|---|
| High Risk Driver Age 30 | $2319 | $192 |
| Safe Driver Age 20 | $2042 | $171 |
| At-fault Accidents Age 40 | $1458 | $121 |
| Low Deductibles Age 40 | $1244 | $103 |
| Safe Driver Age 30 | $1045 | $87 |
| Safe Driver Age 40 | $1017 | $85 |
| Safe Driver Age 50 | $938 | $78 |
| Safe Driver Age 60 | $916 | $76 |
| High Deductibles Age 40 | $906 | $75 |
| Discount Rate Age 40 | $849 | $70 |
Model by Year
| Model Year | Comprehensive | Collision | Liability | Total Premium |
|---|---|---|---|---|
| 2015 Nissan Xterra | $207 | $277 | $450 | $1088 |
| 2014 Nissan Xterra | $198 | $259 | $454 | $1086 |
| 2013 Nissan Xterra | $192 | $232 | $466 | $1040 |
| 2012 Nissan Xterra | $179 | $217 | $459 | $1023 |
| 2011 Nissan Xterra | $174 | $202 | $465 | $994 |
| 2010 Nissan Xterra | $168 | $187 | $475 | $990 |
| 2009 Nissan Xterra | $156 | $174 | $473 | $961 |
| 2008 Nissan Xterra | $152 | $159 | $481 | $952 |
| 2007 Nissan Xterra | $141 | $144 | $472 | $921 |
| 2006 Nissan Xterra | $132 | $130 | $479 | $900 |
| 2005 Nissan Xterra | $128 | $119 | $473 | $879 |
| 2004 Nissan Xterra | $126 | $114 | $460 | $858 |
| 2003 Nissan Xterra | $124 | $111 | $451 | $846 |
| 2002 Nissan Xterra | $113 | $104 | $449 | $832 |
| 2001 Nissan Xterra | $110 | $99 | $441 | $818 |
Cost by State
| State | Premium | Compared to U.S. Avg | Percent Difference |
|---|---|---|---|
| Alabama | $985 | $106 | -9.7% |
| Alaska | $837 | $254 | -23.3% |
| Arizona | $905 | $186 | -17.0% |
| Arkansas | $1091 | -$0 | 0.0% |
| California | $1243 | $152 | 13.9% |
| Colorado | $1041 | $50 | -4.6% |
| Connecticut | $1121 | $30 | 2.7% |
| Delaware | $1235 | $144 | 13.2% |
| Florida | $1364 | $274 | 25.1% |
| Georgia | $1007 | $84 | -7.7% |
| Hawaii | $783 | $308 | -28.2% |
| Idaho | $737 | $354 | -32.4% |
| Illinois | $813 | $278 | -25.5% |
| Indiana | $821 | $270 | -24.7% |
| Iowa | $735 | $356 | -32.6% |
| Kansas | $1037 | $54 | -4.9% |
| Kentucky | $1488 | $398 | 36.4% |
| Louisiana | $1614 | $523 | 47.9% |
| Maine | $673 | $418 | -38.3% |
| Maryland | $899 | $192 | -17.6% |
| Massachusetts | $873 | $218 | -20.0% |
| Michigan | $1896 | $805 | 73.7% |
| Minnesota | $913 | $178 | -16.3% |
| Mississippi | $1306 | $216 | 19.8% |
| Missouri | $967 | $124 | -11.4% |
| Montana | $1171 | $80 | 7.3% |
| Nebraska | $859 | $232 | -21.2% |
| Nevada | $1308 | $218 | 20.0% |
| New Hampshire | $787 | $304 | -27.8% |
| New Jersey | $1221 | $130 | 11.9% |
| New Mexico | $967 | $124 | -11.4% |
| New York | $1149 | $58 | 5.3% |
| North Carolina | $629 | $461 | -42.3% |
| North Dakota | $895 | $196 | -17.9% |
| Ohio | $753 | $338 | -31.0% |
| Oklahoma | $1119 | $28 | 2.6% |
| Oregon | $999 | $92 | -8.4% |
| Pennsylvania | $1041 | $50 | -4.6% |
| Rhode Island | $1456 | $366 | 33.5% |
| South Carolina | $989 | $102 | -9.3% |
| South Dakota | $919 | $172 | -15.8% |
| Tennessee | $953 | $138 | -12.6% |
| Texas | $1316 | $226 | 20.7% |
| Utah | $809 | $282 | -25.8% |
| Vermont | $747 | $344 | -31.5% |
| Virginia | $653 | $437 | -40.1% |
| Washington | $843 | $248 | -22.7% |
| West Virginia | $999 | $92 | -8.4% |
| Wisconsin | $755 | $336 | -30.8% |
| Wyoming | $973 | $118 | -10.8% |
Other Nissan models
Other styles
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
| Discount | Savings |
|---|---|
| Multi-policy | $64 |
| Multi-vehicle | $61 |
| Homeowner | $17 |
| 5-yr Accident Free | $81 |
| 5-yr Claim Free | $86 |
| Paid in Full/EFT | $47 |
| Advance Quote | $66 |
| Online Quote | $94 |
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Discounts are estimated and may not be available from every company or in every state.
