Chris Tepedino is a feature writer that has written extensively about car insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, research investigative pieces…

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states…

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Reviewed byRachael Brennan
Licensed Insurance Agent for 14 Years

UPDATED: Mar 13, 2020

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The Xterra is a midsize SUV in Nissan’s lineup. It is one of the few SUVs made in recent days that is actually meant to go off-road. Starting at just above $24,000 it is an excellent buy. Though how much will the monthly gas bill be? How much will Nissan Xterra insurance cost you? In addition to the sticker price, there are other costs that go with owning a car. Car insurance is one of them; if you’d like to learn how to save, read on.

Nissan Xterra Insurance Costs

Insurance costs will vary from driver to driver, so the following number isn’t set in stone. However, to give you a ballpark estimate, Xterra owners paid an average of $1,750 annually.

How can you lower your insurance costs? Well, the one surefire way of doing that is by doing research. Get quotes from different companies, usually 3 quotes will suffice. By doing this, you’re ensuring that you’ll get the best rates, because discounts and incentives will vary from insurer to insurer.

Bear in mind that other factors like driving history, demographics, and even credit scores can help or harm you. Someone under 25 years of age might see higher rates, because they’re considered either inexperienced or reckless. Another person with a pristine driving record might see lower rates than the average person. A person with a high credit score is considered more responsible and will likely see lower rates.

These Companies Offer Cheapest Nissan Xterra Insurance

Nissan Xterra: Ratings & Reviews

If the Xterra has anything going for it, it’s the powerful 4.0 liter V6 engine that comes standard with all trim levels. It is perfect for going off-road, as the Xterra isn’t as responsive keeping to the streets. If you plan to keep to the streets, perhaps another midsize crossover might be better for you.

The three trim levels offered are the: X, S, and Pro-4X. The base X model comes with air conditioning, several power options, keyless entry, and a six-speaker radio with a CD player. When you upgrade to the S trim level, it adds alloy wheels, adjustable driver seat, and step rails. If you further upgrade to the Pro-4X, it nets you optional leather seating, off road tires, and off road shocks for premium performance.

Nissan Xterra: Safety Ratings

Safety features and ratings can help lower your premiums. As of yet, the federal government has not yet crash tested the 2012 Xterra completely; however, the car has received 3/5 stars on its rollover crash test. The IIHS on the other hand gave the 2012 Xterra scores of “good” on front and side crash tests, as well as a score of “marginal” on rear crash tests, and “acceptable” on roof tests.

Nissan Xterra Insurance: Obtain a Quote

Get your free quote today! Just enter your zip code, and we’ll get you started on the road to savings.