Nissan X-Trail insurance group

The Nissan X-Trail is a mid-size SUV that has been on the road since 2001. In general, it has low running costs and it’s relatively cheap to buy and insure. In this guide, you’ll learn everything you need to know about insuring this vehicle.

What insurance group does the Nissan X-Trail fall under?

All vehicles are given a specific insurance group ranging from 1 (cheapest) to 50 (most expensive). This helps insurers determine the cost of your premium. Nissan X-Trail models appear in insurance groups from 15 to 23, so the car insurance will be on the cheap side compared to the other vehicle.

The costs will vary slightly between different Nissan X-Trail insurance groups, due to a number of different factors related to the vehicle. As an example, a 30-year-old driver in an average postcode could pay around £791 for cover on a Nissan X-Trail N-Vision dCi 130 2WD 7 Seat 5d that is in insurance group 16 or around £841 for a Nissan X-Trail Acenta dCi Xtronic auto 5d that is in insurance group 23. This is a good example of the premium pricing that applies when one car is in a much higher insurance group.

• How we got these rates

  These rates are based on the average cost of cover for cars in the insurance groups shown for drivers of different ages with a Newcastle (NE1) postcode, which our research suggests represents an average for insurance rates in the UK. Updated: March 2021 (source: Quotezone).

Nissan X-Trail insurance cost by location

To show how your location affects your car insurance premium, here are some average quotes for a 30-year-old living in three different locations. The quotes are for a Nissan X-Trail 1.1 Black 5d.

• Expensive: £972 (London SE1)
• Average: £816 (Newcastle NE1)
• Cheap: £615 (Galashiels TD1)

• How we got these rates

  These rates are based on the average cost of cover for cars in the locations shown. Our research suggests SE1 is one of the most expensive locations, NE1 represents an average cost location and TD1 represents one of the cheapest locations. Updated: March 2021 (source: Quotezone).

Which factors affect my Nissan X-Trail insurance rate?

Here are some more factors that have a key impact on your insurance premium costs:

• Engine type and capacity. In general, the bigger the engine, the more it will cost to insure a vehicle. For example, it may cost £948 to insure a Nissan X-Trail 1.6 DiG-T Visia SE 5d, while you may pay £972 for a Nissan X-Trail 2.0 dCi Acenta SE Smt Vis 4WD Xtronic 7 St 5d which is 0.4 litres bigger in size.
• Driver location. Insurers will use your address to help calculate the risk of your car being stolen or being involved in an accident. This will affect the cost of insurance. For example, a 30-year-old in central London may pay £948 for insurance for a Nissan X-Trail 1.6 DiG-T Visia SE 5d, while the same 30-year-old in Newcastle may only pay £791. This £157 applies because Londoners are statistically more likely to make a claim on their car insurance than those living in Newcastle.
• Driver age. The youngest drivers are the most likely to make a claim on their insurance and that’s why they have to pay a lot more than older motorists. The average 20-year-old driver in London may pay £1,683 for the Nissan X-Trail Visia dCi 130 2WD 5d, while the average 40-year-old Londoner will only pay £882. As you can see, the 20-year-old will have to pay almost double to insure a Nissan X-Trail, compared to a 40-year-old.

Other factors that influence the cost of your insurance include:

• Your credit history and job
• Your car’s safety rating score
• The model and age of your car
• Your car’s security and any extra anti-theft precautions
• Annual miles driven
• Your driving history and activity, including your no-claims discount
• Your marital status

How can I save on my Nissan X-Trail premiums?

When searching for insurance, you’ll surely want to find the best deal for a price that’s within your budget. Here are some ideas to lower the cost of your premium:

• Limit your annual mileage (where possible). When you use your car less, you’ll be considered a lower risk of making a claim, then you’ll have to pay lower premiums.
• Pay annually rather than monthly. By paying annually, you eliminate the possibility of paying interest on monthly repayments.
• Install extra safety precautions. The safer your car is, the less of a risk it will be for companies to insure. By adding extra safety measures, you’re quite likely to lower your premium.
• Don’t just accept your renewal quote. When it’s time to renew your car insurance, shop around for the best deal. There may be better options out there from a competitor.

Bottom line

There are a lot of SUVs out there to choose from, and the Nissan X-Trail trails its competitors in a number of key aspects. It is comparitively cheap to insure though, and the tips in this guide will help you to cut your premiums even further

Frequently asked questions

• What is the top speed of a Nissan X-Trail?

  Depending on the model version, Nissan X-Trails can reach top speeds of 127 mph.

• Is the Nissan X-Trail safe?

  This vehicle received a five-star rating in its Euro NCAP car crash tests. It rated 86% for protecting adult occupants and 83% for protecting child occupants.

• How much car tax do I have to pay for the Nissan X-Trail?

  The UK standard car tax rate starts at £140 per year. However, you might pay more or less depending on your car’s emissions.

• Where can I buy a Nissan X-Trail?

  The Nissan X-Trail is available to buy from dealerships, online sellers or perhaps from current owners as a second-hand purchase.

• What engine size is the Nissan X-Trail?

  This comes with a broad selection of engines, ranging from 1.3 litres up to 2.0 litres.

• Is the Nissan X-Trail any good?

  There are better cars in the mid-size SUV market, but when you consider the price and the running costs, it’s no surprise that this vehicle continues to sell well.

• Where can I find Nissan X-Trail car insurance?

  You can compare the costs of insuring a Nissan X-Trail using any price comparison website.

• Is a Nissan X-Trail expensive to insure?

  Nissan X-Trail models appear in insurance groups ranging from 15 to 23, meaning the insurance will be on the relatively cheap side.