Nissan Xterra Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Nissan Xterra is cheaper to insure compared to the average SUV.

• Liability only auto insurance rates for a Xterra come in at around $79 per month, while full coverage usually averages about $137 monthly.

• Aspire is the cheapest insurance company for a Xterra with a national average of just $24 a month for liability only coverage.

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Xterra Overview

With 2015 models starting at $23,660, the Nissan Xterra is a great car for drivers on a budget. The Xterra is not just on the affordable end of the spectrum when it comes to overall price point, it's also a smart budget option when considering your car insurance premiums.

After analyzing thousands of auto insurance quotes through Compare.com, we've determined that average Nissan Xterra car insurance prices run around $121 monthly. But where does that fall compared to the rest of the market?

How Much is Car Insurance for a Nissan Xterra?

Looking at the table above, you can see that Nissan Xterra insurance rates are below average compared to other vehicles. Xterra owners normally pay about $79 per month for liability insurance, and around $137 a month for full coverage, which has comprehensive and collision coverages in addition to liability (our guide, "State Minimum vs. Full Coverage", can give you more information on these different types of insurance).

Comparing it to other Nissan models, the Xterra is more affordable, with prices about 24% lower than the rest of the manufacturer's vehicle lineup. Compared to SUV offerings from other brands, insurance for a Xterra is also more affordable, with full coverage insurance premiums coming in around $15 less and $2 less for liability only insurance.

They're also more affordable to insure than the average vehicle overall, regardless of body style, model, or make.

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Who has the Cheapest Car Insurance for a Nissan Xterra?

If you're in the market for an auto insurance policy for a Nissan Xterra, you might want to know which carrier offers the most affordable premiums. Although costs will typically be pretty different from between drivers, Aspire has the most affordable average rates for liability only coverage, with rates as cheap as $24 per month. With car insurance as low as $32 monthly, Jupiter is the next lowest auto insurance company.

Dashers, Amica, and Arrowhead finish off the rest of the top 5. However, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Nissan Xterra.

Auto insurance companies take a wide array of things into consideration when offering you rates. Because every driver is different, there's only one way to ensure you get the cheapest prices, and that's by getting personalized quotes and comparing rates from a range of insurance carriers.

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What Factors Affect Car Insurance Rates for a Nissan Xterra?

As we mentioned above, there are a bunch of factors that car insurance companies take a look at to determine how much they charge -- and each carrier weighs different factors more heavily than others, so there's not one company that's the lowest for everyone.

The sections below show a variety of variables auto insurance carriers use to calculate rates:

Vehicle Age

The Nissan Xterra has been around for a while -- that means vehicle age can make a big difference in what you end up paying for car insurance. Generally, older cars will be cheaper to insure because they're worth less than newer models, and as time goes on and Xterras continue to depreciate, insurance costs will gradually go lower.

Since a new model has not been added to the market for at least 5 years, the Xterra won't really fit this trend. However, as you can see in the table above, the cheapest Nissan Xterras to insure are those that are 1 year old or less, while the most expensive models are Xterras that are 15 years old or more, on average.

Your Age

How old you are makes a significant difference in how much insurance companies will charge you. Based on the information in the table above, the youngest drivers pay more compared to older Xterra drivers. In this case, drivers under 18 pay over five times as much as those 25 or older.

Car insurance prices continue to get lower as you get older, with drivers aged 55-64 making up the cheapest age group for the Xterra.

Your Gender

You may not know, but men generally pay more for auto insurance than women do. This is because men are more likely to get speeding tickets and get into collisions, which increases the chances of an insurance claim. The Nissan Xterra is no different, and men pay about 1% more than women a month for car insurance.

Where You Live

You might think it's common sense that things such as how old you are and what vehicle you drive play a role in your insurance rates, but you may not realize that where you live is just as important. Since car insurance is regulated at the state level, premiums can change quite a bit depending on which state you call home.

For example, the average Nissan Xterra driver in New York pays around $199 per month for liability coverage, while the same owner in California will pay less than half of that price, on average. The chart shows average prices for the 10 largest states by population, just to give you a good idea of how much rates can change depending on where you live.

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Nissan Xterra Car Insurance Discounts

No matter your age, your car, or your home state, it's always in your best interest to take advantage of as many insurance discounts as possible when shopping around for a new policy.

While no two auto insurance carriers offer the same exact discounts, there are a few that you'll find with most insurers. These include things like:

• Multi-policy discounts for bundling your home and auto policies with the same carrier
• Vehicle safety discounts for having a vehicle with higher safety ratings or one with certain safety features (like anti-lock brakes or air bags)
• Pay-in-full discounts for drivers who choose to pay their entire policy rate up front, rather than in monthly installments
• Multi-car discounts for having several vehicles on your auto policy

There are all sorts of other discounts out there for saving money on your car insurance. Sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like avoiding lapses in coverage, not having recent insurance claims, and driving safely.

While you can't control every factor insurance companies reference to calculate prices (like some of the ones mentioned above), there are quite a few that you can influence. Below are just a few of the factors you can use in your favor when it comes to saving cash:

Your Driving Record

It's no secret that auto insurance carriers offer the most affordable premiums to drivers with a history of responsible driving. It follows that your car insurance rates will go higher if you get tickets for speeding or get into an accident. But you still might be left wondering exactly how much collisions and moving violations will cost you.

As you can tell from the table above, accidents will usually cost Xterra drivers more than tickets, but both will result in a raise in rates. Nissan Xterra drivers with a single ticket will pay about $89 monthly, while drivers with one accident on their record pay an average of $104 a month (up $25 from the $79/mo. overall average). Those with multiple kinds of either violation will end up paying even more.

How Much You Drive

How much you drive plays a role when it comes to your auto insurance premiums. Those who drive less often are more likely to go accident-free, so they'll normally get lower prices. Above, you can see that Nissan Xterra owners who drive fewer than 2,500 miles each year pay an average of $68 per month for insurance, while those who put 10,000 miles or more on their cars pay $77.

If you don't drive much because have a second vehicle or you work from home, it may be worth reviewing usage-based or pay-per-mile car insurance. With these policies, you pay a small base rate each month, with your final monthly bill being calculated based on how many miles you drove.

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How Do Nissan Xterras Compare to Other Vehicles?

If you're thinking about buying a new vehicle and a Nissan Xterra is on your shortlist, it might be helpful to do your due diligence. Insurance is just one cost that's associated with buying a new car, but it's definitely one that's worth thinking about carefully.

Take a look at the table below to see how the Nissan Xterra stacks up:

Overall, the Nissan Xterra is a fantastic value when it comes to price, with an MSRP that's a third less than the going rate for a new vehicle. While the national average vehicle MSRP is $40,100, the Xterra comes in at just $23,660. And since it's been awhile since a new Xterra model has been on the market, used prices will be even cheaper.

In the same fashion, auto insurance rates run below average when compared to other vehicles on the market. Liability insurance for a Nissan Xterra is about $15 per month less than average, while full coverage is over $30 less monthly.

When it comes to usage, Nissan Xterra owners drive about the same amount annually as the national average, with 11,660 miles per year for all vehicles compared to the Xterra's 10,897 every year.

Nissan Xterra Car Insurance Costs by Model Year

Thus far, you've seen how different variables have an impact on what you'll pay for insurance. But if you're in the market for a new car, truck, or SUV and the Xterra is on your wishlist, having a good idea of how much you'll likely pay can be extremely valuable as you weigh your choices.

For this reason, we've crunched the numbers and broken down Nissan Xterra auto insurance premiums by model year. Simply find the model year you want in the dropdown to see average rates for both full coverage and liability only options. You'll also find some other helpful info, like who offers the cheapest policies, which trim levels are offered, and the base MSRP for each year the Xterra has been around.

Choose Your Model

2015 Nissan Xterra Car Insurance 2014 Nissan Xterra Car Insurance 2013 Nissan Xterra Car Insurance 2012 Nissan Xterra Car Insurance 2011 Nissan Xterra Car Insurance 2010 Nissan Xterra Car Insurance 2009 Nissan Xterra Car Insurance 2008 Nissan Xterra Car Insurance 2007 Nissan Xterra Car Insurance 2006 Nissan Xterra Car Insurance 2005 Nissan Xterra Car Insurance 2004 Nissan Xterra Car Insurance 2003 Nissan Xterra Car Insurance

2015 Nissan Xterra Car Insurance

2015 Nissan Xterra drivers can expect to pay an average of $66 a month for liability or $131 for full coverage.

MetLife has prices sometimes as cheap as $26 per month for the 2015 Nissan Xterra.

If you want to know exactly how much you can expect to pay for your Xterra, get free quotes in minutes by just entering your ZIP code below.

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2014 Nissan Xterra Car Insurance

You can expect full coverage for a 2014 Xterra to run around $144 monthly, while liability only coverage will average about $109 a month.

Looking for the lowest policy? Clearcover offered liability only coverage for sometimes as little as $29 per month.

Interested in what your car insurance premium could look like? Get multiple customized quotes for free by just entering your ZIP code below.

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2013 Nissan Xterra Car Insurance

On average, drivers who own a 2013 Nissan Xterra can expect to pay $60 to $116 a month for liability only and full coverage insurance, respectively.

If you're looking for the cheapest possible 2013 Nissan Xterra insurance policy, MetLife offered the most affordable policy we found, with rates as cheap as just $21 monthly.

If you want to know exactly how much you can expect to pay for your Xterra, just enter your ZIP code below and get free quotes in minutes.

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2012 Nissan Xterra Car Insurance

It costs around $60 per month for liability or $171 for a full coverage policy for the 2012 Xterra.

We found MetLife offered the lowest policy, with rates as low as just $23 a month.

If you want to know exactly how much you can expect to pay for your Xterra, just enter your ZIP code below and get several free quotes in minutes.

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2011 Nissan Xterra Car Insurance

The average cost to insure a 2011 Nissan Xterra with liability only coverage is $70 monthly, while full coverage runs about $141 a month.

With premiums sometimes as low as $22 per month, MetLife offered the cheapest policy we found.

Interested in just how much you'll pay? Just enter your ZIP code below to get a variety of customized quotes for free.

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2010 Nissan Xterra Car Insurance

You can expect full coverage for a 2010 Xterra to run around $130 monthly, while liability only coverage will average about $67 a month.

Mile Auto offered the most affordable policy we found, with rates as little as just $22 per month.

If you want to find the best prices for auto insurance for a 2010 Nissan Xterra, enter your ZIP code below and compare a multitude of personalized quotes in just a few minutes.

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2009 Nissan Xterra Car Insurance

2009 Nissan Xterra drivers can expect to pay an average of $70 monthly for liability or $120 for full coverage.

With rates as little as $24 a month, MetroMile offered the lowest policy we found for the 2009 Nissan Xterra.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2008 Nissan Xterra Car Insurance

The average cost to insure a 2008 Xterra with liability only coverage is $85 monthly, while full coverage runs around $145 per month.

Liberty Mutual has premiums sometimes as little as $17 a month for the 2008 Nissan Xterra.

If you want to know just how much your price will be, get free quotes in minutes by just entering your ZIP code below.

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2007 Nissan Xterra Car Insurance

It costs about $87 per month for liability or $134 for a full coverage policy for the 2007 Nissan Xterra.

If you're looking for the lowest possible 2007 Nissan Xterra insurance policy, Freedom offered the cheapest policy we found, with rates as cheap as just $21 monthly.

What could your car insurance rate look like? Enter your ZIP code below to get several personalized quotes for free.

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2006 Nissan Xterra Car Insurance

On average, drivers who own a 2006 Xterra can expect to pay $84 to $141 a month for liability only and full coverage insurance, respectively.

With prices as low as just $19 monthly, MetLife offered the most affordable policy we found.

If you're looking for a more exact figure on what you should pay for auto insurance for a 2006 Nissan Xterra, you can get free quotes in minutes by just entering your ZIP code below.

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2005 Nissan Xterra Car Insurance

It costs around $79 per month for liability or $161 for a full coverage policy for the 2005 Nissan Xterra.

With rates as low as $17 a month, Liberty Mutual offered the lowest policy we found for the 2005 Nissan Xterra.

What will your insurance price be? Just enter your ZIP code below to get lots of free customized quotes.

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2004 Nissan Xterra Car Insurance

2004 Xterra drivers can expect to pay an average of $79 per month for liability or $133 for full coverage.

We found MetroMile offered the most affordable policy, with rates as cheap as $20 monthly.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2003 Nissan Xterra Car Insurance

You can expect full coverage for a 2003 Nissan Xterra to run about $128 a month, while liability only coverage will average around $79 per month.

Looking for the cheapest policy? MetLife offered liability only coverage for sometimes as low as $19 monthly.

While these are good estimates of what the average driver might pay to insure a 2003 Nissan Xterra, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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Nissan Xterra Insurance FAQs

Is a Nissan Xterra expensive to insure?

When compared to the national average of all vehicles, rates come in on the less expensive end of the spectrum. Liability insurance runs an average of $79 per month, while full coverage will cost you around $137.

How can I get the best price on car insurance for my Nissan Xterra?

The only way to make sure you're getting the lowest price on car insurance is to check prices regularly and compare quotes from a whole range of companies. It's recommended to review quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from quite a few carriers at once, meaning you can find the cheapest rates (or guarantee you already have the best deal) for free.

Does the color of my Nissan Xterra affect my insurance premiums?

You may have heard the old adage that red cars cost more to insure than cars of other colors, but that's actually not the case. Even though there are many things auto insurance companies think about when they offer rates, the color of your Xterra is not used to make that determination.

Do I need to have insurance before I buy a Nissan Xterra?

You'll need to have a car insurance policy in place before you can legally driver your new (or new to you) vehicle off the dealership lot. Some dealerships will offer you an insurance policy as part of the buying process, but the best thing to do when buying a a new SUV is to talk with your car insurance company beforehand.

What car insurance discounts can I get for my Nissan Xterra?

There are a variety of discounts out there for insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are more based on you than the car you drive, but if your Xterra has safety features like anti-lock brakes, anti-theft systems, airbags, and other features, it may qualify for certain discounts. You'll only know about which discounts you qualify for if you reach out to your insurance carrier and ask about which discounts they offer, since they fluctuate quite a bit from company to company.