Cheap Nissan Xterra Car Insurance in 2024 (Save Money With These 10 Companies)
State Farm, USAA, and American Family are the best insurers for cheap Nissan Xterra car insurance, offering monthly rates of $42. State Farm excels in customer service, USAA is ideal for military families, and American Family provides excellent plans for households, ensuring unmatched and prudent protection.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
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UPDATED: Oct 14, 2024
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Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
UPDATED: Oct 14, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance company and cannot guarantee quotes from any single insurance company.
Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
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The top companies for cheap Nissan Xterra car insurance are State Farm, USAA, and American Family, with monthly rates starting at just $42.
These insurers offer competitive premiums, extensive coverage options, and excellent customer service. This article highlights what makes these top providers stand out, including valuable discounts and flexible coverage options. For additional details, explore our comprehensive resource titled “Early-Signing Car Insurance Discount.”
Our Top 10 Company Picks: Cheap Nissan Xterra Car Insurance
Company Rank Monthly Rates Good Driver Discount Best For Jump to Pros/Cons
#1 $42 20% Customer Service State Farm
#2 $45 15% Military Fams USAA
#3 $46 15% Family Plans American Family
#4 $47 25% Bundling Discounts Nationwide
#5 $48 14% Specialized Coverage Auto-Owners
#6 $50 20% Online Tools Progressive
#7 $51 15% Discount Variety Farmers
#8 $52 12% Young Drivers Liberty Matual
#9 $53 10% New Drivers Allstate
#10 $54 10% Unique Coverage Travelers
Discover how these top providers can help you save on insurance for your Nissan Xterra while ensuring reliable protection.
Your car insurance rates will likely increase after an at-fault accident, but you can find your cheapest coverage option by using our free quote comparison tool above today.
- State Farm offers the best value with rates starting at $42
- Affordable rates and coverage options for Nissan Xterra drivers
- Discounts available to lower your Nissan Xterra insurance costs
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#1– State Farm: Top Overall Pick
Pros
- Customer Service Excellence: State Farm insurance review & ratings promote the company’s exceptional customer service, ensuring that any issues or claims involving your Nissan Xterra are handled efficiently and with personalized attention.
- Comprehensive Coverage Options: They offer a wide range of coverage options tailored to meet the needs of Nissan Xterra owners, including comprehensive and collision coverage.
- Strong Local Presence: With numerous local agents, State Farm provides easy access to in-person assistance and support for your Nissan Xterra insurance needs.
Cons
- Limited Discounts for Specific Vehicles: State Farm may not offer as many vehicle-specific discounts, which could be less beneficial for owners of older Nissan Xterra models.
- Potentially Higher Rates for High-Risk Drivers: If you have a history of traffic violations, State Farm’s rates for a Nissan Xterra might be higher compared to some competitors.
#2 – USAA: Best for Military Families
Pros
- Tailored for Military Families: USAA offers specialized coverage options and discounts for military families, which can be advantageous if you’re stationed or deployed and own a Nissan Xterra.
- Excellent Customer Service: USAA insurance review & ratings manifest the company’s top-tier customer support, USAA ensures that claims for your Nissan Xterra are processed smoothly and efficiently.
- Strong Coverage Options: USAA provides comprehensive and collision coverage that suits the rugged nature of the Nissan Xterra, ensuring protection in various driving conditions.
Cons
- Eligibility Restrictions: USAA is only available to military members and their families, so if you don’t qualify, you won’t be able to benefit from their offerings for Nissan Xterra.
- Limited Physical Locations: With fewer local offices, accessing in-person support for your Nissan Xterra might be more challenging.
#3 – American Family: Best for Family Plans
Pros
- Family-Oriented Plans: American Family offers insurance plans that are particularly beneficial for families, which can be ideal if you have multiple drivers or need extensive coverage for your Nissan Xterra.
- Flexible Coverage Options: They provide a variety of coverage options, allowing you to tailor your policy to suit the specific needs of your Nissan Xterra.
- Strong Financial Stability: American Family insurance review & ratings reveal the company’s solid financial standing, and well-positioned to handle claims and provide consistent support for Nissan Xterra.
Cons
- Potentially Limited Discounts for Certain Vehicles: American Family might offer fewer discounts specific to the Nissan Xterra, particularly older models.
- Higher Premiums for Certain Drivers: If you have a less-than-perfect driving record with a Nissan Xterra, you might find American Family’s premiums to be on the higher side.
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#4 – Nationwide: Best for Bundling Discounts
Pros
- Bundling Discounts: Nationwide insurance review & ratings unveil the company’s significant discounts if you bundle multiple policies, which can be cost-effective if you insure your Nissan Xterra along with other vehicles or home insurance.
- Comprehensive Coverage: They provide extensive coverage options that can be tailored to the needs of a Nissan Xterra, ensuring you’re well-protected in various situations.
- Customer Satisfaction: Nationwide has a strong reputation for customer satisfaction, which means you can expect reliable service and support for your Nissan Xterra.
Cons
- Higher Premiums for Some Drivers: Depending on your driving history with a Nissan Xterra, Nationwide’s rates might be higher compared to some other insurers.
- Limited Discounts for Older Vehicles: If you have an older Nissan Xterra, Nationwide might not offer as many vehicle-specific discounts.
#5 – Auto-Owners: Best for Specialized Coverage
Pros
- Specialized Coverage: Auto-Owners provides specialized coverage options that can be tailored to the unique needs of your Nissan Xterra, including off-road and adventure coverage.
- Strong Customer Service: Auto-Owners insurance review & ratings introduce the company’s high-quality customer service, ensuring that claims and inquiries regarding your Nissan Xterra are handled promptly and effectively.
- Flexible Policy Options: Auto-Owners offers flexible policy options for the Nissan Xterra that can be customized based on your driving habits and vehicle use.
Cons
- Potentially Higher Rates: Auto-Owners might have higher premiums for a Nissan Xterra compared to some competitors, especially if you have a history of claims.
- Limited Discount Programs: They may offer fewer discount opportunities specifically for the Nissan Xterra compared to other insurers.
#6 – Progressive: Best for Online Tools
Pros
- Advanced Online Tools: Progressive provides a range of online tools that can help you manage your policy and track claims for your Nissan Xterra, making it easy to handle everything digitally.
- Customizable Coverage Options: They offer various customizable coverage options that can be tailored to fit the specific needs of your Nissan Xterra.
- Discount Opportunities: Progressive insurance review & ratings broadcast the company’s several discount opportunities that might benefit you if you have a Nissan Xterra, such as multi-policy and safe driver discounts.
Cons
- Potentially Higher Rates for Some Drivers: Depending on your driving history and risk profile, you might find Progressive’s rates for a Nissan Xterra to be on the higher side.
- Customer Service Variability: While many Nissan Xterra customers have positive experiences, some report inconsistent customer service levels depending on the representative.
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#7 – Farmers: Best for Discount Variety
Pros
- Variety of Discounts: Farmers insurance review & ratings publicize the company’s wide range of discount options that could be beneficial for insuring your Nissan Xterra, such as multi-policy and safety feature discounts.
- Comprehensive Coverage Options: They offer extensive coverage options that can be tailored to the needs of your Nissan Xterra, ensuring you have the protection you need.
- Flexible Payment Plans: Farmers provides various payment plan options, making it easier to manage your premiums for your Nissan Xterra.
Cons
- Higher Premiums for High-Risk Drivers: If you have a history of traffic violations, Farmers might charge higher premiums for a Nissan Xterra compared to some competitors.
- Variable Customer Service: Some customers report inconsistent experiences with customer service, which could affect how claims for your Nissan Xterra are handled.
#8 – Liberty Mutual: Best for Young Drivers
Pros
- Discounts for Young Drivers: Liberty Mutual offers discounts tailored for young drivers, which can be advantageous if you have a younger driver in your household with a Nissan Xterra.
- Flexible Coverage Options: Liberty Mutual review & ratings advertise the company’s wide range of coverage options that can be adjusted to suit the specific needs of your Nissan Xterra.
- Innovative Tools: Liberty Mutual offers various innovative tools and resources to help manage your Nissan Xterra policy and track claims effectively.
Cons
- Potentially Higher Rates for Some Drivers: Depending on your driving profile, Liberty Mutual’s premiums for a Nissan Xterra might be higher compared to some competitors.
- Limited Local Agent Access: With fewer local agents, accessing personalized in-person support for your Nissan Xterra might be less convenient.
#9 – Allstate: Best for New Drivers
Pros
- New Driver Discounts: Allstate offers discounts specifically for new drivers, which can be beneficial if you have a new driver with a Nissan Xterra.
- Comprehensive Coverage Options: They provide a variety of coverage options that can be customized to fit the needs of your Nissan Xterra.
- Strong Financial Stability: Allstate insurance review & ratings illustrate the company’s solid financial standing ensures reliable claims processing and support for Nissan Xterra.
Cons
- Potentially Higher Premiums for High-Risk Drivers: Allstate might have higher premiums for Nissan Xterra drivers with a history of claims or traffic violations.
- Variable Customer Service: Customer service experiences can vary, which might affect how efficiently claims for your Nissan Xterra are processed.
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#10 – Travelers: Best for Unique Coverage
Pros
- Unique Coverage Options: Travelers insurance review & ratings disclose the company’s unique coverage options that can be tailored to the specific needs of your Nissan Xterra, including protection for off-road activities.
- Innovative Tools and Resources: They provide advanced tools and resources for managing your Nissan Xterra policy and claims, making it easier to handle your insurance needs.
- Comprehensive Coverage: Travelers offers extensive coverage options to ensure your Nissan Xterra is well-protected in various scenarios.
Cons
- Potentially Higher Rates: Travelers may have higher premiums compared to some competitors, especially if you have a less-than-perfect driving record for a Nissan Xterra.
- Customer Service Variability: Some customers report inconsistent service levels, which could impact the handling of claims for your Nissan Xterra.
Factors Affecting Nissan Xterra Insurance Costs
When determining the cost of car insurance for a Nissan Xterra, insurers consider several key factors. Your driving history plays a significant role, as safe drivers with clean records typically receive lower premiums. Age and experience also affect rates, with younger, less experienced drivers often facing higher costs. To delve deeper, refer to our in-depth report titled “Car Insurance Discounts by Age.”
The model and year of your Xterra can influence premiums newer models might be more expensive to insure, but safety features may offer discounts.
Nissan Xterra Car Insurance Monthly Rates by Coverage Level & Provider
Insurance Company Minimum Coverage Full Coverage
Allstate $53 $125
American Family $46 $112
Auto-Owners $48 $118
Farmers $51 $123
Liberty Mutual $52 $124
Nationwide $47 $115
Progressive $50 $120
State Farm $42 $105
Travelers $54 $128
USAA $45 $110
Your location impacts rates too, with urban areas generally having higher premiums due to increased risks. Additionally, credit history can affect insurance costs, with good credit often leading to lower rates. Lastly, the coverage options you choose, such as comprehensive or collision coverage, will impact your overall premium.
Types of Coverage for Your Nissan Xterra
When shopping for car insurance for your Nissan Xterra, understanding the different types of coverage is crucial. Liability coverage is essential and typically required by law, as it covers damages and injuries you cause to others in an accident where you are at fault. For a comprehensive analysis, refer to our detailed guide titled “Personal Injury Protection (PIP) Insurance: A Complete Guide.”
Collision coverage reimburses you for repairs or replacement if your Xterra is damaged or totaled in an accident, regardless of fault. Comprehensive coverage protects against non-accident-related damages, such as theft, vandalism, fire, or natural disasters.
Carefully evaluating your coverage needs based on your financial situation, driving habits, and the age of your vehicle will help you choose the right options for your Nissan Xterra.
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Saving on Nissan Xterra Insurance
Finding affordable car insurance for your Nissan Xterra doesn’t have to be challenging. By using a few strategic approaches, you can lower your insurance premiums and save money.
- Maintain a Clean Driving Record: Insurance providers often offer lower premiums to individuals with a history of safe driving.
- Bundle Your Insurance Policies: Combining your car insurance with other policies, like home or renters insurance, can lead to discounts.
- Increase Your Deductible: Choosing a higher deductible can reduce your premium, but ensure you have sufficient savings to cover it if needed. To learn more, explore our comprehensive resource on commercial auto insurance titled “What is the difference between a deductible and a premium in car insurance?“
Implementing these tips can help you secure more affordable coverage for your Nissan Xterra and reduce your overall insurance costs. Keep these strategies in mind to ensure you’re getting the best value for your insurance premium.
Comparing Car Insurance Quotes For A Nissan Xterra
One of the most effective ways to find affordable car insurance for a Nissan Xterra is to compare quotes from multiple insurers. Each insurance company uses its own formula to calculate rates, so prices can vary significantly. By comparing quotes, you can ensure you are getting the best coverage at the most competitive price.
When obtaining quotes, make sure to provide accurate and consistent information to each insurer. This will help you receive accurate quotes and make an informed decision. For a thorough understanding, refer to our detailed analysis titled “How to Get Free Insurance Quotes Online.”
In addition to price, it’s also important to consider the insurer’s reputation, customer service, and the coverage options they offer. A reputable insurer with good customer reviews and a wide range of coverage options can provide you with peace of mind.
Nissan Xterra Insurance Costs: Comparison and Location Impact
When evaluating the cost of car insurance for a Nissan Xterra, it’s useful to compare it to other SUVs. Generally, the Xterra falls into the mid-range for insurance costs—more expensive luxury SUVs have higher premiums due to costly repairs and theft risks, while smaller, more affordable SUVs tend to have lower rates.
Additionally, where you live significantly impacts your insurance rates. Factors such as accident rates, population density, local laws, and weather conditions all play a role. To expand your knowledge, refer to our comprehensive handbook titled “If you have an accident while driving with an expired license will insurance cover damages?”
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Driving Record and Xterra Insurance Rates
Your driving record significantly impacts your Nissan Xterra car insurance rates. Insurance companies closely examine factors such as at-fault accidents, traffic violations, DUI or DWI convictions, and claims history.
Previous accidents and traffic violations can lead to higher premiums, while DUI convictions may result in very high rates or policy cancellations. Understanding the factors that influence your car insurance rates can help you make informed decisions. Key elements include:
To keep your insurance rates low, maintain a clean driving record by following traffic laws, practicing safe driving, and avoiding accidents and violations tickets. To gain profound insights, consult our extensive guide titled “If my license is suspended due to unpaid parking tickets, will my car insurance rates go up?”
Lowering Your Xterra Insurance Premium
To lower your Nissan Xterra car insurance premium, consider increasing your deductible, but ensure you have sufficient savings to cover it if needed. For older vehicles, reducing coverage options like collision and comprehensive may be cost-effective, given their depreciated value.
Maintaining a good credit score can also help lower your premium in states where credit history affects rates. Additionally, take advantage of available discounts and regularly compare quotes from different insurers to secure the best rate.
By applying these strategies, you can save money on your insurance premium while maintaining essential coverage. To enhance your understanding, explore our comprehensive resource on business insurance titled “Types of Car Insurance Coverage.”
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Finding the Best Xterra Insurance Rates
Shopping around for the best Nissan Xterra car insurance rates is essential because prices can vary widely between insurers, and comparing quotes ensures you aren’t overpaying for coverage. For detailed information, refer to our comprehensive report titled “How much is car insurance?”
Additionally, considering customer service reputation and policy flexibility can impact your overall satisfaction with your insurance. The deductible plays a key role in determining your premium; a higher deductible generally results in a lower premium, but you should have sufficient savings to cover it if needed.
Conversely, a lower deductible increases your premium but reduces your out-of-pocket expenses in the event of a claim. Balancing your deductible and premium according to your financial situation and risk tolerance is crucial.
Case Studies: Customized Insurance Solutions for Your Nissan Xterra
Discover how State Farm, USAA, and American Family offer tailored insurance options to effectively cover your Nissan Xterra.
- Case Study #1 – Affordable Premiums With High Deductibles: Alex, a Nissan Xterra owner with State Farm, opts for a higher deductible to lower his monthly premiums. State Farm’s flexible policy options and discounts for safe drivers help Alex manage his insurance costs efficiently while maintaining adequate coverage for his vehicle.
- Case Study #2 – Enhanced Savings for Military Members: Jamie, a USAA member and Nissan Xterra driver, takes advantage of USAA’s military-specific discounts and benefits. To gain in-depth knowledge, consult our comprehensive resource titled “Best Military Car Insurance Discounts.”
- Case Study #3 – Comprehensive Coverage and Personalization: Jordan chooses American Family for his Nissan Xterra due to its broad coverage options and personalized service. American Family’s commitment to tailoring policies and offering competitive rates ensures Jordan’s vehicle is well-protected while he receives attentive, customer-focused care.
These case studies illustrate how State Farm, USAA, and American Family provide customized insurance solutions to meet the diverse needs of Nissan Xterra owners.
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By exploring these tailored approaches, you can find the best coverage for your vehicle, ensuring you get the protection you need at a price that suits your budget. Each insurer offers unique benefits and services, making it essential to assess which aligns best with your personal requirements and preferences.
Conclusion: Getting the Best Nissan Xterra Insurance Rates
Finding affordable car insurance for your Nissan Xterra in 2024 is achievable with the right strategies. By comparing quotes from top insurers like State Farm, USAA, and American Family, you can secure coverage that fits your budget and needs.
Consider factors such as your driving history, location, and vehicle age to get the most accurate rates. To broaden your understanding, explore our comprehensive resource on insurance coverage titled “Fleet Vehicle Insurance.” Additionally, leveraging discounts and choosing higher deductibles can help reduce your premiums.
Remember, thorough comparison and understanding of your coverage options will ensure you get the best value for your insurance. Explore various providers, review their offerings, and apply cost-saving strategies to enjoy reliable protection for your Nissan Xterra at a price that works for you.
Find the best comprehensive car insurance quotes by entering your ZIP code below into our free comparison tool today.
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Frequently Asked Questions
Is full coverage car insurance cheaper for a Nissan Xterra or a Toyota SUV?
Full coverage insurance rates for the Nissan Xterra are generally comparable to those for Toyota SUVs. State Farm, USAA, and American Family offer competitive rates for both types of SUVs.
What is the cheapest full coverage car insurance for a Nissan Xterra that is over 10 years old?
For a Nissan Xterra over 10 years old, liability-only insurance is usually cheaper. For full coverage, State Farm, USAA, and American Family offer competitive rates for older models.
Protect your vehicle from whatever the road throws at it by entering your ZIP code into our free comparison tool below to see affordable car insurance quotes.
Which insurance company offers the cheapest coverage for a Nissan Xterra compared to other SUVs?
For the Nissan Xterra, State Farm, USAA, and American Family often provide competitive rates compared to other SUVs, though exact costs can vary based on the model year and location.
For an in-depth examination, consult our thorough guide entitled “Cheapest Car Insurance Companies.”
Which insurance is best for a Nissan Xterra after 10 years of ownership?
For a Nissan Xterra that is over 10 years old, USAA, State Farm, and American Family are often recommended due to their favorable rates and coverage options for older vehicles.
Is a Nissan Xterra cheaper to insure than a Toyota 4Runner for a second-hand car?
The Nissan Xterra might be slightly cheaper to insure than a Toyota 4Runner. State Farm, USAA, and American Family are known for offering competitive rates for second-hand vehicles.
What is the cheapest insurance type for a Nissan Xterra compared to a Toyota SUV?
Liability-only insurance is typically the cheapest option for both the Nissan Xterra and Toyota SUVs. State Farm, USAA, and American Family often provide this basic coverage at lower rates.
For a detailed breakdown, consult our comprehensive guide named “Liability Insurance: A Complete Guide.”
Which insurance company offers the best rates for a second-hand Nissan Xterra?
For a second-hand Nissan Xterra, State Farm, USAA, and American Family are often recommended for their competitive rates and comprehensive coverage options.
Which insurance is best for a Nissan Xterra if it’s an older model?
For an older Nissan Xterra, State Farm, USAA, and American Family are frequently considered the best options due to their affordable rates and good coverage for older vehicles.
Which insurance company offers the lowest prices for full coverage on a Nissan Xterra?
For full coverage on a Nissan Xterra, State Farm, USAA, and American Family are often among the insurers providing some of the lowest prices, but it’s advisable to compare quotes for the best rate.
For an exhaustive analysis, check out our complete guide entitled “Full Coverage Car Insurance: A Complete Guide.”
What is the cheapest category for car insurance for a Nissan Xterra versus a Toyota SUV?
Liability-only insurance is generally the cheapest category for both the Nissan Xterra and Toyota SUVs. State Farm, USAA, and American Family offer this coverage at competitive prices.
Comparing quotes is the easiest way to find affordable car insurance. Simply enter your ZIP code below into our free comparison tool to see rates in your area.
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Eric Stauffer
Licensed Insurance Agent
Eric Stauffer is an insurance agent and banker-turned-consumer advocate. His priority is educating individuals and families about the different types of insurance coverage. He is passionate about helping consumers find the best coverage for their budgets and personal needs. Eric is the CEO of C Street Media, a full-service marketing firm and the co-founder of ProperCents.com, a financial educat...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about insurance. Our goal is to be an objective, third-party resource for everything insurance related. We update our site regularly, and all content is reviewed by insurance experts.
