How much is auto insurance for a Nissan Xterra?

According to the National Automobile Dealers Association (NADA), auto insurance rates for the Nissan Xterra are about average for its class. Owners with driving histories longer than six years will pay approximately $946 annually to insure a 2-wheel drive base model Nissan Xterra with an automatic transmission.

An owner with less than three years’ driving history will pay more than double this rate, roughly $2,725 annually, reports the NADA.

Owners who have between three and six years’ driving history will pay about $1,761 a year to insure the base model 2011 Nissan Xterra.

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Adding 4-wheel drive or upgrading to the most expensive available trim won’t affect your auto insurance rates much. The NADA projects that it will cost between $965 and $975 per year to insure a 4-wheel drive Nissan Xterra, regardless of which trim you choose.

These rates are similar to those projected by the NADA for the 2011 Xterra’s closest competitor, the Jeep Wrangler. The Jeep Wrangler Sport, which is the base model, will cost about $956 annually to insure for experienced drivers.

However, the most expensive Wrangler model available, the Jeep Rubicon, will cost the typical driver over $1,000 a year to insure. Toyota’s FJ Cruiser is expected to cost around $1,267 per year to insure.

Read on for Nissan Xterra info and reviews!

2011 Nissan Xterra Overview

U.S. News and World Report asserts that like the Jeep Wrangler, the Nissan Xterra is one of the few SUVs left that is truly meant to go off-road. Unlike many compact crossovers, which are built on the same platforms that manufacturers use for cars, the Xterra feels more like a truck.

Although no one would describe its on-road ride as smooth, it is a bit more comfortable for around-town driving than the Wrangler, reviewers say.

U.S. News suggests that if you want a tough-looking compact SUV without the truck-like ride, the GMC Terrain is a good choice. For a practical family hauler, consider the top-ranked Toyota RAV4, Chevrolet Equinox, or Honda CR-V.

Nissan Xterra Trims and Pricing

The base model for this vehicle is the Nissan Xterra X. Equipped with 2-wheel drive, it starts at $24,260, and adding 4-wheel drive tacks just over $2,000 onto the base price. The Xterra X’s V6 engine gets 15 mpg in the city and 20 mpg on the highway. The 2-wheel drive version gets one additional mile per gallon around town.

The Nissan Xterra X’s cabin, which accommodates five, is nicely equipped for a utility vehicle like this one. Cruise control, an alarm, keyless entry, and power locks and windows are standard.

There’s also a CD/MP3 player and air conditioning, which the base model Wrangler lacks.

The next step up for Xterra buyers is the S trim. Outfitted with a 2-wheel drive powertrain, its MSRP is $26,250, and this goes up to $28,300 with 4-wheel drive.

There’s also an Xterra S model with 4-wheel drive and a manual transmission that starts at $27,250.

At the S trim level, you’ll add alloy wheels, an Easy Clean cargo bay, and a driver’s seat that you can manually adjust eight ways. Additional performance features on 4-wheel drive models include a front tow hook and splash guards.

The Pro-4X trim is only available with 4-wheel drive.

Designed for serious 4-wheelers, it’s equipped for a challenge with off-road lights and performance shocks, specialized trail-riding tires, and electronic booster systems for climbing and descending hills. The Nissan Xterra Pro-4X’s cabin gets an upgrade, too.

A premium audio system, a Bluetooth hookup, a luggage rack, and a leather-wrapped steering wheel are included. The Pro-4X with a manual transmission starts at $29,670, and the addition of an automatic transmission increases the price by about $1,000.

Nissan Xterra Crash Test Results

In the front- and side-impact crash tests conducted by the Insurance Institute for Highway Safety (IIHS) and the National Highway Traffic Safety Administration (NHTSA), the Nissan Xterra earned solid scores.

In the IIHS’ 2011 testing, it obtained the highest available ratings in these categories, although it received the second-worst score of “Marginal” for its performance in the rear-impact crash test.

In the NHTSA’s 2010 testing, the Xterra won four stars in front-impact crash testing and the full five stars in side-impact tests.

The only test that the NHTSA has conducted on the 2011 Xterra to date is a rollover test. It earned three stars, which is typical for a high-clearance off-road vehicle. The Jeep Wrangler also received a 3-star rating for this test.

Nissan Xterra Safety Features

The 2011 Xterra comes equipped with supplemental side air bags, which are optional on the Jeep Wrangler. It also features a standard tire pressure monitoring system, which is particularly helpful for off-roading.

Additionally, there’s standard traction control, vehicle dynamic control, and active head restraints for the front seats.

Warranty for the 2011 Nissan Xterra

The Xterra’s powertrain is guaranteed by Nissan for five years or until the odometer reaches 60,000 miles. Chrysler warrants the Jeep Wrangler’s powertrain for five years as well, but the allotted mileage is 100,000.

The limited warranty for the 2011 Xterra is the same as the Wrangler’s 36 month/36,000 mile limited warranty.

Nissan Xterra Reliability

The 2011 Nissan Xterra’s Predicted Reliability score is a 6.0, which means that it had about the same amount of initial quality problems as were reported for the Mitsubishi Outlander, the Nissan Rouge, the Mazda CX-9, and the Dodge Nitro.

Predicted Reliability scores are calculated by J.D. Power and Associates based on consumer surveys.

The Element and the CR-V from Honda had the highest scores in the compact SUV class, at 9.0, while the Suzuki Grand Vitara’s score of 4.0 was the lowest.

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