- Nissan Xterra car insurance rates average $1,378 per year (about $115 per month) for full coverage.
- With an insurance cost range of $136, the cheapest Xterra trim level to insure is the X 2WD at around $1,322 per year, and the most expensive trim being the Pro-4x 4WD at $1,458 annually.
- Out of 23 models in the 2015 midsize SUV segment, the Xterra ranks second for car insurance cost.
How much does Nissan Xterra insurance cost?
Nissan Xterra car insurance averages around $1,378 a year for full coverage, or $115 on a monthly basis. Drivers can plan on paying around $254 less per year for Nissan Xterra insurance as compared to the average rate for midsize SUVs, and $898 less per year than the $2,276 average for all vehicles.
The next price chart displays average insurance cost per year for a 2015 Nissan Xterra with a variety of policy scenarios.
The following table shows average insurance rates for drivers age 20 to 60 for a Nissan Xterra starting with the 2005 model and ending with the 2015 model year, when the Xterra was discontinued in the U.S.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2015 Nissan Xterra | $2,800 | $1,378 | $1,162 |
| 2014 Nissan Xterra | $2,832 | $1,392 | $1,172 |
| 2013 Nissan Xterra | $2,844 | $1,408 | $1,192 |
| 2012 Nissan Xterra | $2,787 | $1,380 | $1,168 |
| 2011 Nissan Xterra | $2,731 | $1,352 | $1,145 |
| 2010 Nissan Xterra | $2,677 | $1,325 | $1,122 |
| 2009 Nissan Xterra | $2,623 | $1,299 | $1,099 |
| 2008 Nissan Xterra | $2,571 | $1,273 | $1,077 |
| 2007 Nissan Xterra | $2,519 | $1,247 | $1,056 |
| 2006 Nissan Xterra | $2,469 | $1,222 | $1,035 |
| 2005 Nissan Xterra | $2,420 | $1,198 | $1,014 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Nissan Xterra trim levels for each model year. Updated October 24, 2025
The rate table below displays the average yearly and 6-month policy costs, including a monthly amount for budgeting, for each Nissan Xterra model and trim level.
| 2015 Nissan Xterra Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| X 2WD | $1,322 | $110 |
| S 2WD | $1,366 | $114 |
| X 4WD | $1,366 | $114 |
| S 4WD | $1,380 | $115 |
| Pro-4x 4WD | $1,458 | $122 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated October 24, 2025
Xterra vs other midsize SUVs: Which is cheaper to insure?
When compared side-by-side to other midsize SUV models, insurance rates for a Nissan Xterra cost $364 less per year than the Jeep Grand Cherokee, $282 less than the Toyota Highlander, and $254 less than the Ford Explorer.
The Nissan Xterra ranks second out of 23 comparison vehicles in the midsize SUV segment for the 2015 model year for most affordable auto insurance rates. The Xterra costs an average of $1,378 per year for full coverage car insurance and the category average cost is $1,632 per year, a difference of $254 per year.
The table below shows how average Nissan Xterra car insurance rates compare to the top 10 most popular midsize SUVs in the U.S. like the Jeep Cherokee, Subaru Outback, and the Chevrolet Traverse.
| Rank | Make and Model | Annual Premium | Difference |
|---|---|---|---|
| 1 | Subaru Outback | $1,328 | -$50 |
| 2 | Nissan Xterra | $1,378 | -- |
| 3 | Nissan Murano | $1,532 | $154 |
| 4 | Mazda CX-9 | $1,556 | $178 |
| 5 | Jeep Cherokee | $1,564 | $186 |
| 6 | Honda Pilot | $1,572 | $194 |
| 7 | Ford Edge | $1,580 | $202 |
| 8 | Dodge Journey | $1,584 | $206 |
| 9 | Chevrolet Traverse | $1,590 | $212 |
| 10 | Ford Flex | $1,594 | $216 |
| 11 | Toyota 4Runner | $1,614 | $236 |
| 12 | Ford Explorer | $1,632 | $254 |
| 13 | Hyundai Santa Fe | $1,644 | $266 |
| 14 | Toyota Highlander | $1,660 | $282 |
| 15 | Toyota Venza | $1,668 | $290 |
| 16 | GMC Acadia | $1,686 | $308 |
| 17 | Jeep Wrangler | $1,698 | $320 |
| 18 | Dodge Durango | $1,716 | $338 |
| 19 | Buick Enclave | $1,736 | $358 |
| 20 | Jeep Grand Cherokee | $1,742 | $364 |
| 21 | Nissan Pathfinder | $1,758 | $380 |
| 22 | Kia Sorento | $1,768 | $390 |
| 23 | Volkswagen Touareg | $1,946 | $568 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all trim levels for each vehicle from the 2015 model year. Updated October 24, 2025
