Nissan Xterra Car Insurance Comparison: 2025 Edition

How much does Nissan Xterra car insurance cost? We compared rates from the base Xterra X 2WD up to the Pro-4x 4WD trim level to discover how insurance costs compare side-by-side to other midsize SUVs.

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  • Nissan Xterra car insurance rates average $1,348 per year (about $112 per month) for full coverage.
  • With an insurance cost range of $134, the cheapest Xterra trim level to insure is the X 2WD at around $1,292 per year, and the most expensive trim being the Pro-4x 4WD at $1,426 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 $1,348 a year for full coverage, or $112 on a monthly basis. Drivers can plan on paying around $247 less per year for Nissan Xterra insurance as compared to the average rate for midsize SUVs, and $873 less per year than the $2,221 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.

Average 2015 Nissan Xterra insurance premiums for different driver ages and risk scenarios.
Figure 1: Average 2015 Nissan Xterra insurance premiums for different driver ages and risk scenarios. Rates updated on June 26, 2025.

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Data Methodology: Average rates are for a 2015 model year Nissan Xterra with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Nissan Xterra trim levels.

2015 Nissan Xterra Insurance Cost Summary
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$3,128$261
Safe Driver Age 20$2,734$228
At-fault Accidents Age 40$1,948$162
Low Deductibles Age 40$1,644$137
Safe Driver Age 30$1,418$118
Safe Driver Age 40$1,348$112
Safe Driver Age 50$1,214$101
High Deductibles Age 40$1,196$100
Safe Driver Age 60$1,136$95
Discount Rate Age 40$1,118$93

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2015 Nissan Xterra trim levels. Updated June 26, 2025

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.

Nissan Xterra Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2015 Nissan Xterra$2,734$1,348$1,136
2014 Nissan Xterra$2,762$1,360$1,144
2013 Nissan Xterra$2,772$1,374$1,164
2012 Nissan Xterra$2,717$1,347$1,141
2011 Nissan Xterra$2,662$1,320$1,118
2010 Nissan Xterra$2,609$1,293$1,096
2009 Nissan Xterra$2,557$1,267$1,074
2008 Nissan Xterra$2,506$1,242$1,052
2007 Nissan Xterra$2,456$1,217$1,031
2006 Nissan Xterra$2,406$1,193$1,010
2005 Nissan Xterra$2,358$1,169$990

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 June 27, 2025

Average insurance rates for 2005 to 2015 Nissan Xterra models for drivers age 20, 40 and 60
Average insurance rates for 2005 to 2015 Nissan Xterra models for drivers age 20, 40 and 60

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 Insurance Rates by Trim Level
2015 Nissan Xterra Trim Level Annual Premium Cost Per Month
X 2WD$1,292$108
S 2WD$1,336$111
X 4WD$1,336$111
S 4WD$1,350$113
Pro-4x 4WD$1,426$119

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 June 26, 2025

Insurance cost by trim level for a 2015 Nissan Xterra ranging from the X 2WD model at $1,292 per year to the Pro-4x 4WD model at $1,426
Insurance cost by trim level for a 2015 Nissan Xterra ranging from the X 2WD model at $1,292 per year to the Pro-4x 4WD model at $1,426

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 $354 less per year than the Jeep Grand Cherokee, $272 less than the Toyota Highlander, and $246 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 $1,348 per year for full coverage car insurance and the category average cost is $1,595 per year, a difference of $247 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.

Insurance Cost Comparison: Nissan Xterra vs Midsize SUVs
Rank Make and Model Annual Premium Difference
1Subaru Outback$1,296-$52
2Nissan Xterra$1,348--
3Nissan Murano$1,494$146
4Mazda CX-9$1,520$172
5Jeep Cherokee$1,530$182
6Honda Pilot$1,536$188
7Ford Edge$1,542$194
8Dodge Journey$1,550$202
9Chevrolet Traverse$1,552$204
10Ford Flex$1,554$206
11Toyota 4Runner$1,576$228
12Ford Explorer$1,594$246
13Hyundai Santa Fe$1,606$258
14Toyota Highlander$1,620$272
15Toyota Venza$1,632$284
16GMC Acadia$1,648$300
17Jeep Wrangler$1,656$308
18Dodge Durango$1,678$330
19Buick Enclave$1,696$348
20Jeep Grand Cherokee$1,702$354
21Nissan Pathfinder$1,718$370
22Kia Sorento$1,726$378
23Volkswagen Touareg$1,900$552

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 June 27, 2025

At $1,348 per year, insurance cost for a 2015 Nissan Xterra ranks second out of 23 models in the midsize SUV segment
At $1,348 per year, insurance cost for a 2015 Nissan Xterra ranks second out of 23 models in the midsize SUV segment