Nissan Xterra Auto Insurance Rates

Nissan Xterra auto insurance rates average $1,112 annually or $93/month. The cost of Nissan Xterra car insurance is lower than current SUVs because the newest model is from 2015, and older cars have lower rates. To get cheap Nissan Xterra auto insurance, you just need to take the time to shop around and compare rates.

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Melanie Musson

Published Insurance Expert

Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific car insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. She also specializes in sustai...

Published Insurance Expert

Kalyn Johnson

Insurance Claims Support & Sr. Adjuster

Kalyn grew up in an insurance family with a grandfather, aunt, and uncle leading successful careers as insurance agents. She soon found she has similar interests and followed in their footsteps. After spending about ten years working in the insurance industry as both an appraiser dispatcher and a senior property claims adjuster, she decided to combine her years of insurance experience with another...

Insurance Claims Support & Sr. Adjuster

UPDATED: Nov 14, 2023

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If an SUV is on your list, then the cost of Nissan Xterra auto insurance rates are on your need-to-know list.

The Xterra was a midsize SUV in Nissan’s lineup that was discontinued in 2015. It as one of the few SUVs made in recent days that is actually meant to go off-road. The last model year started at just above $24,000 and was an excellent buy. Though how much will the monthly gas bill be? How much will Nissan Xterra auto 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.

If you need to buy that Nissan Xterra auto insurance policy right now, we can help. Enter your ZIP code to get free Nissan Xterra auto insurance quotes today.

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 pay an average of $1,112 annually or $93/month.

How can you lower your insurance costs? Well, the one surefire way of doing that is by doing research. Get quotes from different companies; at least 3 quotes is advised. 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.

How can I save on Nissan Xterra auto insurance?

The best way to get a better deal on your Nissan Xterra car insurance is to shop around and compare companies.

Discounts, bundling, and of course, keeping a clean driving record can also help.

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, an 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.

How does the Nissan Xterra compare to similar cars?

Since it’s not made anymore, the Xterra can’t be compared to any current models. Its main competitors when it was discontinued were the Toyota Rav4 and the Honda CRV. Both are still in production.

Since it’s older, the Xterra is likely to cost you less in terms of purchase price, however you might want to look at alternatives if newer safety features are on your list.

Nissan Xterra Safety Ratings

Safety features and ratings can help lower your premiums. The federal government has not only released crash tests for the 2015 for rollover ratings. The car received 3/5 stars on that test test. The IIHS on the other hand gave the 2015 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

Want to find the best Nissan Xterra auto insurance company? You will need to shop around and compare.

Get your free quote for affordable Nissan Xterra auto insurance today. Just enter your ZIP code, and we’ll get you started on the road to savings.

Free Auto Insurance Comparison

Enter your ZIP code below to compare auto insurance rates.

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