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Car Insurance Quotes for a Nissan Xterra

Are You Getting the Cheapest Car Insurance Available for a Nissan Xterra?

Ilustration of Nissan-Xterra

How Much Is Car Insurance for a Nissan Xterra?

The average monthly car insurance premium for a Nissan Xterra is $137 for full coverage and $79 for minimum liability coverage.

There are many advantages to buying a full coverage policy over a liability-only policy, thanks to its first and third-party benefits that protect against a broader range of scenarios in an accident, regardless of who is at fault.

Freeway Insurance is ready to step up if you have questions about structuring your auto policy. Let us help you evaluate your cheap auto insurance options in line with your coverage needs and affordability.

Getting a Free Auto Insurance quote with Freeway is easy!

Comparing Insurance Costs for a Nissan Xterra to Other Vehicles

There are many reasons why Nissan Xterra owners pay different premiums than other drivers. Not all vehicles are considered equal. Varying theft rates, safety records, engine styles, body types, and hundreds of other variables go into determining the cost of premiums.

Make/Model Annual Full Coverage Insurance
Nissan Xterra $1,644
Toyota 4-Runner $1,692
Nissan Pathfinder $1,712
Ford Bronco $2,172
Jeep Wrangler $1,776

Types of Car Insurance Coverage for a Nissan

For any driver to protect themselves on the road, rely on an auto policy consisting of liability-only, full coverage, or other options that meet your needs.

It is highly recommended that you carry full coverage, thanks to its first and third-party benefits, including liability, collision, and comprehensive. For several hundred dollars more per year, enjoy broader protection than a liability-only policy.

Full Coverage

A full coverage auto insurance policy typically includes liability, collision, and comprehensive coverage.

Liability is the main component of all policies, providing third-party benefits to pay for the cost of injuries or damage sustained by others in an accident where you are the responsible party.

Additionally, collision and comprehensive provides first-party protections, paying for repairing or replacing your vehicle or other property due to collision and non-collision-related events like theft, fire, and hail.

Full coverage does not mean add-ons like medical payments (MedPay), personal injury protection (PIP) and rental car reimbursement. Although they are all nice, feel free to add these to your policy at your discretion and according to your state’s requirements.

State Minimum Liability

Also referred to as liability-only, this type of policy satisfied the legal requirement for driving in your state.

Every state has minimums. It is expressed as three figures (e.g., 100/300/100). For example, all Alabama and Nebraska drivers must have a 25/50/25 policy. In turn, all California drivers must carry a 15/30/5.

With only $5,000 in property damage required in California, you should ideally carry well over these limits. If you can afford it, a 100/300/100 policy will offer greater peace of mind.

Individual Factors That Influence Pricing for the Nissan Xterra

Outside of your age/gender and driving record, dozens of other variables influence the cost of premiums for drivers.

Three that come to mind are location, vehicle usage, and the type of vehicle you drive.


If you live in a high-density urban area with higher crime and accident rates, expect to pay higher premiums than residents of rural and lower-population areas in your state.

Vehicle Usage

How you use your vehicle matters greatly as well. You can expect to pay lower premiums if you use your car mainly to drive to and from work, rather than as a person who travels frequently.

Type of Vehicle

Lastly, remember the type of vehicle you drive. Your car’s value, repair cost, safety features, and theft/vandalism risk are only four factors used to determine premium costs. For this reason, do not expect Tesla 2022 Model X drivers to pay the same premiums as 1997 Honda Civic drivers.

Nissan xterra suv

How Does a DUI Affect Insurance Rates?

If you’re a Nissan Xterra driver recently convicted of a DUI, expect severe consequences from a financial and administrative perspective.

For starters, expect elevated premiums and potential legal and court costs. It’s not uncommon to see premiums triple, depending on your driving record and whether or not this was a first or subsequent offense. Additionally, DUI creates a heavy financial burden with plenty of administrative and court costs.

Another thing to remember with DUI convictions is the possible required filing of an SR-22 with your state’s Department of Motor Vehicles. An SR-22 is a certificate of financial responsibility that lets the state know you’re carrying the necessary coverage to drive legally. On top of elevated premiums, you must pay a fee to file. But anyone required to file an SR-22 will be considered a high-risk driver.

In the worst of cases, DUI convicted drivers can even see their policies canceled or outright rejected. In this case, you may be forced to turn to specialty providers focusing on high-risk drivers to find DUI car insurance.

What Are Some Car Insurance Discounts for a Nissan SUV?

Before agreeing to your premium, check with your agent to find out if you are eligible for safe driver and other auto coverage discounts. Bundling, or multi-policy, will give you the greatest discount.

As the name implies, multi-policy discounts are offered to drivers with multiple policies under the same provider. Safe driver discounts typically go to drivers with no accidents, traffic violations, or claims for the past three to five years. Some insurers incentivize policyholders closer to the 3-year mark, while others prefer closer to the 5-year mark, with many falling in between.

If you want to save even more money on your auto insurance premiums, look into the following:

  • Occupation Based Discounts. Sometimes, certain professions or members of trade organizations can be eligible for lower premiums thanks to their association.
  • Green Vehicle Discount. Your provider may offer a small discount if you drive an equally friendly hybrid or electric vehicle with a lower environmental footprint. Reducing carbon footprint is a main goal for many insurers, reflected in their incentives to drivers.
  • Safety Feature Discount. If you safety proof your vehicle with features like blind spot monitoring and automatic emergency braking, then insurers will see you as less of a risk. Always ensure your vehicle is up to speed with the latest safety features.
  • Low Mileage Discount. Drive less than 10,000 miles a year? If so, you will likely be eligible for a low mileage discount. According to insurers, fewer miles driven makes you a less risky policyholder.
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What Are Some of the Characteristics of the Nissan Xterra?

This is a vehicle in the midsize SUV segment, discontinued after the 2015 model year.

It comes in three trims: X, S, and Pro-4X, and a single V6 engine option for 261 horsepower.

Standard features include cloth upholstery, foldable rear seats, Bluetooth, an under-floor storage bin, and 66 cubic feet of cargo space. Upgrading to higher-level trims adds a USB port and smartphone compatibility.

Main competitors are the Toyota 4-Runner, Nissan Pathfinder, Ford Bronco, and the Jeep Wrangler.

Find the Best Car Insurance Rates Online for the Nissan Xterra Today

Freeway Insurance is ready to become your go-to source if you’re looking for guidance on auto insurance options.

There are three ways to get started with Freeway Insurance. You may request a free, no-obligation quote  online, call us at 800-777-5620, or visit us at one of our offices. One of our agents will gladly help you find the right policy based on your budget and coverage requirements.

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