Best Nissan Xterra Auto Insurance in 2024 (Compare the Top 10 Companies)

The best Nissan Xterra auto insurance are the top providers like Amica, Erie, and State Farm, with rates starting at $45/month. Amica excels in customer service, Erie offers top-notch support, and State Farm provides the cheapest rates.

These are the best auto insurance companies ensure reliable, comprehensive coverage for your Nissan Xterra. Learn how to save on your insurance premiums and get the best value.

Our Top 10 Company Picks: Best Nissan Xterra Auto Insurance

Explore the Nissan Xterra insurance rates for full coverage and minimum coverage. See how you can save on Nissan Xterra insurance rates.

If you’re just looking for coverage to drive legally, enter your ZIP code above to compare cheap auto insurance quotes near you.

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#1 – Amica: Top Overall Pick

Pros

• Claims Handling: Amica auto insurance review is renowned for its exceptional claims processing for Nissan Xterra owners.
• Affordable Monthly Rates: Offers competitive pricing, starting at $60 per month for minimum coverage on a Nissan Xterra.
• High Multi-Vehicle Discount: Provides a 25% discount when insuring multiple vehicles, including the Nissan Xterra.

Cons

• Limited Coverage Variety: Amica’s coverage options for the Nissan Xterra may be less extensive compared to other insurers.
• Premium Costs: Despite excellent service, the premiums could be higher than some competitors for Nissan Xterra insurance.

#2 – Erie: Best for Customer Service

Pros

• Excellent Customer Service: Erie is highly rated for its superior customer service for Nissan Xterra insurance. Read more about their service in our Erie auto insurance review.
• Low Monthly Rates: Offers competitive rates of $55 per month for minimum coverage on a Nissan Xterra.
• A.M. Best Rating: Holds a strong A+ rating, reflecting financial stability and reliability for Nissan Xterra owners.

Cons

• Limited Discounts: Erie’s multi-vehicle discount is just 10%, lower than some competitors for Nissan Xterra insurance.
• Coverage Limitations: Customization options for Nissan Xterra insurance may be fewer.

#3 – State Farm: Best for Cheap Rates

Pros

• Affordable Rates: State Farm offers some of the lowest rates for Nissan Xterra insurance.
• Low Monthly Rates: Competitive pricing at $70 per month for minimum coverage on a Nissan Xterra.
• Bundling Policies: State Farm auto insurance review provides significant savings for bundling multiple policies, beneficial for Nissan Xterra owners.

Cons

• Limited Bundling Discount: The discount for bundling policies may not be as substantial compared to other companies.
• Premium Costs: Despite discounts, premiums may still be relatively high for certain coverage levels.

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#4 – USAA: Best for Military Focus

Pros

• Military-Focused Benefits: USAA auto insurance review provides specialized benefits for military members insuring a Nissan Xterra.
• Low Monthly Rates: Offers reasonable rates at $50 per month for minimum coverage on Nissan Xterra.
• A++ Rating: USAA holds the highest rating from A.M. Best, ensuring excellent financial stability for Nissan Xterra owners.

Cons

• Eligibility Restrictions: Available only to military members and their families, limiting access for some Nissan Xterra owners.
• Limited Discounts: The multi-vehicle discount is just 10%, which may be less competitive for Nissan Xterra insurance.

#5 – Geico: Best for Affordable Rates

Pros

• Affordable Rates: As mention in Geico auto insurance review, Geico offers some of the most affordable rates for Nissan Xterra insurance.
• Low Monthly Rates: Competitive pricing at $45 per month for minimum coverage on Nissan Xterra.
• A++ Rating: Holds a top A++ rating from A.M. Best, ensuring reliability for Nissan Xterra insurance.

Cons

• Limited Customization: Coverage options for Nissan Xterra may offer less customization than other insurers.
• Customer Service: Geico’s customer service ratings may not be as high as some competitors for the insurance of Nissan Xterra.

#6 – Progressive: Best for Customizable Policies

Pros

• Highly Customizable Policies: Progressive offers flexible insurance policies for the Nissan Xterra.
• Low Monthly Rates: Progressive auto insurance review has competitive pricing at $65 per month for minimum coverage on Nissan Xterra.
• A+ Rating: Holds a solid A+ rating, reflecting strong financial stability for Nissan Xterra insurance.

Cons

• Discount Limitations: The multi-vehicle discount is only 12%, lower than some competitors for the auto insurance of  Nissan Xterra.
• Premium Costs: Certain coverage options may still be relatively expensive for Nissan Xterra owners.

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#7 – Liberty Mutual: Best for Policy Options

Pros

• Diverse Policy Options: Liberty Mutual offers a wide range of policy options for the Nissan Xterra.
• Low Monthly Rates: Liberty Mutual auto insurance review provides competitive pricing at $75 per month for minimum coverage on Nissan Xterra.
• A Rating: Holds a strong A rating from A.M. Best, ensuring reliability for Nissan Xterra insurance.

Cons

• Premium Costs: Despite diverse options, premiums might be higher than some competitors for Nissan Xterra insurance.
• Customer Service: Customer service ratings may not be as high as those of other insurers of Nissan Xterra.

#8 – The Hartford: Best for Senior Drivers

Pros

• Senior-Friendly Policies: The Hartford offers policies specifically tailored for senior Nissan Xterra owners.
• Low Monthly Rates: The Hartford auto insurance review provides competitive pricing at $73 per month for minimum coverage on Nissan Xterra.
• A+ Rating: Holds a strong A+ rating from A.M. Best, ensuring reliability for Nissan Xterra insurance.

Cons

• Limited Younger Driver Options: May not offer as many benefits for younger Nissan Xterra drivers.
• Premium Costs: Premiums could be higher than some competitors of Nissan Xterra.

#9 – Allstate: Best for Coverage Options

Pros

• Comprehensive Coverage Options: Allstate auto insurance review provides a wide range of coverage options for the Nissan Xterra.
• Low Monthly Rates: Competitive pricing at $80 per month for minimum coverage on Nissan Xterra.
• A+ Rating: Holds a strong A+ rating from A.M. Best, ensuring reliability for Nissan Xterra insurance.

Cons

• Premium Costs: Premiums might be higher than some competitors for Nissan Xterra insurance.
• Discount Limitations: Some discounts may not be as competitive as those offered by other insurers of Nissan Xterra.

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#10 – Nationwide: Best for Strong Service

Pros

• Excellent Customer Service: Nationwide is recognized for its strong customer service for Nissan Xterra insurance.
• Low Monthly Rates: Nationwide auto insurance review provides competitive rates at $68 per month for minimum coverage on Nissan Xterra.
• A+ Rating: Holds a solid A+ rating from A.M. Best, ensuring financial stability for Nissan Xterra insurance.

Cons

• Limited Multi-Policy Discount: The bundling discount is just 20%, which is lower than some competitors of Nissan Xterra.
• Premium Costs: Premiums may still be relatively higher for certain coverage levels for Nissan Xterra owners.

Cost of Insuring a Nissan Xterra

The insurance cost for a Nissan Xterra varies significantly based on the coverage level and provider. For minimum coverage, monthly rates range from $45 with Geico to $80 with Allstate. Full coverage auto insurance sees a broader spectrum, with Geico again offering the most affordable option at $105, while Allstate’s premium is the highest at $170.

Nissan Xterra Auto Insurance Monthly Rates by Coverage Level & Provider

Other notable providers include Amica, with rates of $60 for minimum and $130 for full coverage, and USAA, which offers competitive pricing at $50 for minimum and $110 for full coverage. These variations highlight the importance of comparing different insurance providers to find the best rate for both minimum and full coverage for the Nissan Xterra.

Keep in mind that insurance costs will vary depending on age, gender, driving history, and a number of other factor. The XTerra is not the cheapest SUV to insure, but it does fall within the average category for insurance. The prices vary greatly because the cost to insure will also depend on the style that you drive. The basic XTerra models will be cheaper to insure.

Nissan Xterra Auto Insurance Monthly Rates by Coverage Type

Many insurance companies will increase premium costs based on the market value of a vehicle. If an expensive vehicle is damaged and a claim is filed, it will cost the insurance company more money to either fix or replace the vehicle. That means heavier premiums.

You can also keep in the mind type of transmission. This is especially important for the XTerra because of its off-road capabilities. Depending on the insurance company, your transmission type can affect premium costs.

How Expensive to Insure Nissan Xterra

The Nissan Xterra tends to be more expensive to insure compared to other SUVs such as the Jeep Grand Cherokee, Lexus RX 350, and Volkswagen Atlas. This higher cost can be attributed to factors such as the Xterra’s off-road capabilities.

Nissan Xterra Auto Insurance Monthly Rates vs. Other Vehicles

This might increase the likelihood of claims, and potentially higher repair costs due to its specific parts and design. Additionally, the Xterra’s performance and safety ratings may also play a role in determining its auto insurance premiums.

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Key Factors Affecting Nissan Xterra Insurance Premiums

The cost of Nissan Xterra insurance is influenced by several factors, including the specific trim and model chosen, as higher-end trims generally come with more expensive repair and replacement costs. Additional factors include the driver’s age, driving history, location, and the vehicle’s safety features. Delve into our evaluation of “Factors That Affect Auto Insurance Rates.”

Age of the Vehicle

Older Nissan Xterra models typically have lower insurance costs due to their decreased market value and the availability of more affordable replacement parts.

Nissan Xterra Auto Insurance Monthly Rates by Model Year & Coverage Type

Insurers consider these factors when determining premiums, resulting in more affordable rates for older vehicles compared to newer models. For a comprehensive analysis, refer to our detailed guide titled “Auto Insurance Discounts.”

Driver Age

Driver age significantly impacts Nissan Xterra auto insurance rates. Younger drivers, particularly those under 25, typically face higher premiums due to their lack of experience and higher risk of accidents.

Nissan Xterra Auto Insurance Monthly Rates by Age

In contrast, mature drivers often enjoy lower rates as they are considered more experienced and less likely to engage in risky driving behaviors. However, rates may increase again for senior drivers over 65 due to potential declines in reaction time and vision. Unlock details in our guide titled “What are the recommended auto insurance coverage levels?”

Driver Location

The location where you reside significantly influences Nissan Xterra insurance rates. Urban areas typically incur higher premiums due to increased traffic, higher crime rates, and greater risk of accidents and theft compared to rural areas.

Nissan Xterra Auto Insurance Monthly Rates by City

Insurers consider these regional risk factors when determining your rates, so living in a high-risk area can lead to higher insurance costs.

Your Driving Record

Your driving record can have an impact on the cost of Nissan Xterra auto insurance. Teens and drivers in their 20’s see the highest jump in their Nissan Xterra auto insurance rates with violations on their driving record.

Nissan Xterra Auto Insurance Monthly Rates by Age & Driving Record

Even minor infractions can lead to substantial premium hikes, making it crucial for young drivers to maintain a clean record. Additionally, serious offenses such as DUIs or reckless driving can result in even steeper increases or difficulty obtaining coverage. Consequently, practicing safe driving habits is essential to keeping insurance costs manageable.

Nissan Xterra Safety Ratings

Your Nissan Xterra auto insurance rates are tied to the Nissan Xterra’s safety ratings. Insurance companies also value a vehicle that comes with many standard safety features. Many insurance providers even offer valuable discounts for customers with certain featured installed in their vehicles. For example, anti-theft devices auto insurance discount usually will get you a discount of some kind.

Nissan Xterra Safety Ratings

Before considering the Nissan XTerra, find out about the standard features it comes with and do your insurance research with that in mind. XTerras typically come equipped with anti-lock braking systems, front and side air bags, and stability control. You can also find models with other valuable safety features like hill-descent control, for the person likes getting off the road more traveled.

Most vehicles also have a slew of other optional features, some of which are safety-related. Before making a new purchase, ask your dealer what additional safety features are available. If you can afford to deck out your new vehicle with as many safety features as possible, you can guarantee a lower insurance cost.

Nissan Xterra Crash Test Ratings

The crash test ratings of the Nissan Xterra can impact your Nissan Xterra auto insurance rates. Being an SUV, and one that is known as a true off-roading vehicle, you can expect exceptional safety ratings from the XTerra. The great part is that solid safety and crash-test ratings for a vehicle means lower insurance rates. Read thoroughly our guide on how credit scores affect auto insurance rates.

Nissan Xterra Crash Test Ratings

Insurance companies base much of their premium rates on risk. If they view a vehicle as safe to drive, you can bet you will have a lower insurance cost for that vehicle. The Nissan XTerra does provide great safety ratings, so it does receive lower than average insurance costs, for an experienced driver.

According to the Insurance Institute for Highway Safety, newer models, ranging from 2011 and newer, received a good rating in every category, except roof strength tests. A good rating is the highest possible score, so the Nissan XTerra checks out as a safe ride.

Regardless, the XTerra has consistently ranked high in its class for safety and crash-test ratings. This makes it a great vehicle to drive if you are looking for lower insurance costs.

Other Features

Safety features and crash-test ratings aside, the Nissan XTerra also offers a powerful V-6 engine, capable of up to 260 horsepower. The rugged XTerra is typically considered an old-school SUV that is designed to go off-road, has power and grit to handle any situation. From an auto insurance standpoint, that means higher costs.

Despite testing well for safety and having a wealth of safety features available, the larger engine will garner higher insurance costs, especially for a newer driver. Every insurance company views a larger engine, especially for SUVs, as a potential for accidents.

With its off-road selling point, the XTerra is an SUV that will usually land somewhere in the middle for auto insurance prices. There are other SUVs on the market that will yield lower premiums. Explore our article to find the best accident forgiveness auto insurance companies.

Also, the Nissan XTerra is not known for its fuel economy. Being a larger SUV and less of a crossover, the XTerra only gets around 15-20 miles per gallon. Again, it does offer great versatility for off-road and has great storage space, but if you are looking to save money on insurance and gas, it may not be the best option in its class.

The XTerra has some great features. However, because of its off-road abilities, and depending on how you drive the vehicle, you will probably be looking at above average insurance costs, when compared to other SUVs.

Nissan Xterra Insurance Loss Probability

The insurance loss probability for a Nissan Xterra directly impacts its auto insurance rates, with lower percentages indicating lower rates and higher percentages leading to higher rates. This probability varies depending on the type of coverage, influencing the overall cost of insuring the vehicle.

Nissan Xterra Auto Insurance Loss Probability

Factors such as the vehicle’s safety features, repair costs, and historical claims data contribute to its insurance loss probability. Understanding these factors can help Nissan Xterra owners find more affordable insurance options by choosing coverages with lower loss probabilities. Check out our guide “Do you need medical payment coverage on auto insurance?”

Tips for Reducing Nissan Xterra Insurance Costs

To save on Nissan Xterra auto insurance, consider asking for a higher auto insurance deductible to lower your premium. Inquire about safety discounts based on the vehicle’s features. Completing an accredited driver safety program can also reduce rates.

Additionally, research insurers by checking reviews and state complaints to find the most reliable options. Lastly, mature drivers over 50 should ask about discounts available to them.

Leading Insurance Providers for Nissan Xterra

Several top auto insurance companies offer competitive rates for the Nissan Xterra rates based on factors like discounts for safety features. Take a look at this list of top auto insurance companies that are popular with Nissan Xterra drivers organized by market share.

Top 10 Nissan Xterra Auto Insurance Providers by Market Share

These insurers provide tailored coverage that leverages the vehicle’s safety features to offer more affordable premiums. By comparing quotes from these top insurers, Xterra drivers can find the best balance of coverage and cost to suit their needs (Read more: How to Compare Auto Insurance Quotes).

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Pricing Insights and Consumer Feedback

The Nissan XTerra is a very popular SUV for consumers who enjoy off-roading. Before you consider buying an XTerra, make sure you consider every possible factor involved in finding the types of auto insurance coverage for this exciting vehicle from Nissan.

America is a country obsessed with cars. Our fascination with the machine was birthed from Henry Ford and continues today. When you find that perfect car, it seems all other considerations about the vehicle disappear. However, things like auto insurance are important aspects to consider before making a purchase.

Reliability is also a major concern for both consumers and insurance providers. Again, it is all about risk factor. If a vehicle has consumer review issues and is not considered reliable, you may see elevated insurance prices.

According to J.D. Power and Associates, the XTerra received moderately high marks in quality, but below average marks for performance and design.

With solid reviews, its reliability has never been a question, which is good news for auto insurance premiums. Finally, if money is a concern, the current XTerra models run around $25,000 to $30,000 depending on the style you buy. As SUVs go, the XTerra is a solid choice for safety and reliability, as well as moderately priced insurance.

Additional Considerations in Buying Nissan Xterra

The car you drive affects every insurance premium. However, that is not the only thing affecting your insurance prices. Even though the XTerra usually has moderate insurance costs does not mean your auto insurance premium will be priced the same. You must consider a few other factors before making your final decision on auto coverage.

One major factor that trumps even the car you drive is your driving history. If you happen to be young or you have not been driving for very long, you are automatically placed in a higher risk pool of clients.

Insurance companies see lack of experience driving as a major risk factor. As such, the insurance providers will always charge more for coverage for younger drivers. The Nissan XTerra can get quite expensive to insure for a rookie on the road.

In addition to age and experience driving, you need to also consider your record. Things like tickets and accidents will cause insurance companies to worry about your reliability as a driver.

Because of this, a poor driving record will always yield high insurance costs. If you are unsure what your record looks like, contact your local department of motor vehicles. Many of the state departments will offer driver histories for a small fee. Explore our guide titled “How Auto Insurance Companies Check Driving Records.”

Many states will remove blemishes on your driving record after a set number of years have passed. Contacting your state department is another great way to check up on their policies. You may also want to consider updating your current insurance provider on your driving record, as errors can occur from time to time.

A few other factors that influence insurance costs are credit histories. Many insurance companies have found a pattern between clients who have poor credit scores and clients who file a large number of claims. Companies found that the lower a credit score is, the amount of claims filed increases.

One other factor that you can help control is the type of coverage you buy. Increasing deductibles on your policy is a great way to lower monthly costs. In addition, removing unnecessary coverage like roadside assistance and rental insurance can be helpful in reducing premium prices. Other coverage like collision and comprehensive can be overlooked as well, depending on your vehicle situation.

Case Studies: Finding the Best Nissan Xterra Auto Insurance

In these case studies, we explore real-life scenarios to understand how different factors influence the cost and quality of Nissan Xterra auto insurance.

• Case Study #1 – Exceptional Customer Service: John, a 35-year-old driver from California, chose Amica for his Nissan Xterra auto insurance due to their renowned customer service. With a clean driving record and multiple safety features in his Xterra, he secured a comprehensive policy at $45/month. John appreciated Amica’s responsiveness and personalized support, which made his experience hassle-free and rewarding.
• Case Study #2 – Excellent Support: Mary, a 45-year-old driver from Pennsylvania, needed an insurer known for strong support. Erie’s reputation for excellent customer service attracted her, and she found their rates competitive at $50/month. Mary was impressed with Erie’s thorough explanations of coverage options, helping her make an informed decision for her Nissan Xterra.
• Case Study #3 – Cheapest Rates: Alex, a 28-year-old driver from Texas, prioritized affordability for his Nissan Xterra auto insurance. State Farm offered him the cheapest rate at $40/month, despite his younger age and less driving experience. Alex valued the cost savings and the convenience of managing his policy through State Farm’s user-friendly mobile app.

These case studies demonstrate the experiences of Nissan Xterra owners with the top insurance providers, cater to the unique needs of Nissan Xterra owners. Check out our guide “Where to Compare Auto Insurance Rates.“

Whether prioritizing customer service, support, or affordability, each provider offers valuable benefits, ensuring comprehensive and reliable coverage. See which companies have the cheapest minimum auto insurance rates by entering your ZIP code into our free comparison tool below.

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