Nissan Frontier Insurance Rates

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Jun 6, 2023

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When the time comes to secure a quality car insurance policy, drivers are often left with more questions than answers. In order to alleviate that stress, we are here to provide you with accurate information so you know exactly how much Nissan Frontier insurance costs and how those rates are calculated.

This comprehensive article is structured in a way to give you detailed information about the class, liability rates, safety features, MSRP value, and repair estimates of the Nissan Frontier. By reading through it, you will be able to discover for yourself if getting a cheap insurance policy is myth or reality.

To get started, simply read the information we prepared for you in the article below. Once you’re ready to compare quotes, use our free online tool for instant results.

Average auto insurance rates for a Nissan Frontier are $1,348 annually with full coverage. Comprehensive costs an estimated $238 each year, collision insurance costs $430, and liability costs around $500. Buying just liability costs as low as $560 a year, and insurance for high-risk drivers costs around $2,920. 16-year-old drivers receive the highest rates at up to $5,250 a year.

Average premium for full coverage: $1,348

Rate estimates broken down by individual coverage type:

Comprehensive $238
Collision $430
Liability $500

Includes $500 policy deductibles, bodily injury liability limits of 30/60, and includes both medical and UM/UIM coverage. Rates are averaged for all U.S. states and Frontier models.

Price Range by Coverage and Risk

For a driver around age 40, prices range range from as cheap as $560 for basic liability insurance to a high rate of $2,920 for a driver who has had serious violations or accidents.

Liability Only $560
Full Coverage $1,348
High Risk $2,920

Price Range by Location

Where you live can make a big difference on car insurance rates. More rural locations tend to have fewer collision claims than congested cities. The graphic below illustrates the difference between rural and urban areas on insurance prices.

Rural Areas $1,011
Small Cities $1,415
Large Cities $1,820

These examples demonstrate why all drivers should compare prices for a targeted area and their own personal driving habits, instead of making a decision based on rate averages.

Use the form below to get customized rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Rate Comparisons

The chart below details average Nissan Frontier insurance rates for other coverage scenarios.

  • The best full coverage rate is $791
  • Using higher $1,000 deductibles will save approximately $152 annually
  • The estimated rate for a 40-year-old driver who has $500 deductibles is $1,348
  • Buying low deductibles for physical damage coverage will cost $1,642
  • High-risk insureds with multiple tickets or accidents could pay up to $2,920
  • The cost with full coverage for a 16-year-old driver can cost as much as $5,250 or more

View Chart as Image

Nissan Frontier insurance cost comparison chart
Column chart showing Nissan Frontier insurance rates range from $791 to $5,250 for full coverage

Auto insurance rates for a Nissan Frontier can also vary considerably based on the trim level of your Frontier, your driving record, and liability limits and deductibles.

More mature drivers with a good driving record and high physical damage deductibles may pay as low as $1,300 a year for full coverage. Rates are highest for teen drivers, where even without any violations or accidents they will have to pay at least $5,200 a year. View Rates by Age

If you like to drive fast or you caused a few accidents, you may be forking out $1,600 to $2,300 in extra premium per year, depending on your age. Insurance for high-risk drivers can be from 44% to 132% more than the average rate. View High Risk Driver Rates

Opting for high physical damage deductibles could cut rates by as much as $450 annually, whereas increasing liability limits will increase premiums. Moving from a 50/100 bodily injury limit to a 250/500 limit will cost as much as $398 extra every year. View Rates by Deductible or Liability Limit

Where you live has a huge impact on Nissan Frontier insurance prices. A driver around age 40 might see rates as low as $970 a year in states like Utah, Ohio, and New Hampshire, or at least $1,820 on average in New York, Michigan, and Florida.

Nissan Frontier Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,218 -$130 -9.6%
Alaska $1,034 -$314 -23.3%
Arizona $1,118 -$230 -17.1%
Arkansas $1,348 -$0 0.0%
California $1,534 $186 13.8%
Colorado $1,286 -$62 -4.6%
Connecticut $1,384 $36 2.7%
Delaware $1,526 $178 13.2%
Florida $1,684 $336 24.9%
Georgia $1,246 -$102 -7.6%
Hawaii $966 -$382 -28.3%
Idaho $912 -$436 -32.3%
Illinois $1,000 -$348 -25.8%
Indiana $1,014 -$334 -24.8%
Iowa $908 -$440 -32.6%
Kansas $1,278 -$70 -5.2%
Kentucky $1,838 $490 36.4%
Louisiana $1,996 $648 48.1%
Maine $832 -$516 -38.3%
Maryland $1,112 -$236 -17.5%
Massachusetts $1,076 -$272 -20.2%
Michigan $2,338 $990 73.4%
Minnesota $1,126 -$222 -16.5%
Mississippi $1,614 $266 19.7%
Missouri $1,194 -$154 -11.4%
Montana $1,446 $98 7.3%
Nebraska $1,062 -$286 -21.2%
Nevada $1,616 $268 19.9%
New Hampshire $970 -$378 -28.0%
New Jersey $1,506 $158 11.7%
New Mexico $1,192 -$156 -11.6%
New York $1,420 $72 5.3%
North Carolina $776 -$572 -42.4%
North Dakota $1,104 -$244 -18.1%
Ohio $930 -$418 -31.0%
Oklahoma $1,382 $34 2.5%
Oregon $1,234 -$114 -8.5%
Pennsylvania $1,282 -$66 -4.9%
Rhode Island $1,796 $448 33.2%
South Carolina $1,220 -$128 -9.5%
South Dakota $1,138 -$210 -15.6%
Tennessee $1,178 -$170 -12.6%
Texas $1,622 $274 20.3%
Utah $996 -$352 -26.1%
Vermont $922 -$426 -31.6%
Virginia $806 -$542 -40.2%
Washington $1,040 -$308 -22.8%
West Virginia $1,234 -$114 -8.5%
Wisconsin $932 -$416 -30.9%
Wyoming $1,202 -$146 -10.8%

View Chart as Image

Nissan Frontier insurance rates by U.S. city

Insurance Rates by Trim Level and Model Year

Rates assume 2019 model year, a 40-year-old male driver with no accidents or violations, $500 comprehensive and collision deductibles, minimum liability limits, and uninsured/under-insured motorist coverage included. Rates are for comparison only and are averaged for all 50 U.S. states.

Nissan Frontier Insurance Rates by Model Year
Model Year Comprehensive Collision Liability Total Premium
2019 Nissan Frontier $238 $430 $500 $1,348
2018 Nissan Frontier $228 $400 $510 $1,318
2017 Nissan Frontier $218 $376 $514 $1,288
2014 Nissan Frontier $190 $292 $524 $1,186
2012 Nissan Frontier $172 $252 $534 $1,138
2011 Nissan Frontier $166 $228 $540 $1,114
2008 Nissan Frontier $142 $170 $530 $1,022
2007 Nissan Frontier $140 $166 $520 $1,006
2006 Nissan Frontier $136 $160 $510 $986
2005 Nissan Frontier $126 $152 $504 $962
2004 Nissan Frontier $120 $144 $500 $944

Rates are averaged for all Nissan Frontier models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.

How to Buy the Cheapest Nissan Frontier Insurance

Saving money on insurance for a Nissan Frontier requires avoiding accidents and claims, having above-average credit, eliminating unnecessary coverage, and consideration of higher deductibles. Set aside time to compare rates every other policy renewal by obtaining price quotes from direct companies like Progressive and GEICO, and also from several local insurance agents.

The points below are a recap of the ideas that were covered above.

  • Drivers under the age of 20 are the costliest to insure, with premiums as much as $438 per month if full coverage is included
  • Drivers considered higher risk that have major violations or accidents pay on average $1,570 more annually to insure a Nissan Frontier
  • Increasing deductibles could save up to $450 each year
  • You may be able to save approximately $160 per year just by quoting online in advance

Even though the average annual Nissan Frontier insurance cost is $1,394, your policy can be higher or lower depending upon your individual profile. Those factors include your age, home address, driving history, and the model year of your pickup.

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How does the size and class of the Nissan Frontier affect liability rates?

The most basic form of coverage that everybody who drives must carry is called liability car insurance, which is broken up into two forms called bodily injury liability and property damage liability.

Your liability rates are impacted by the size and class of the vehicle you drive. In the case of the Nissan Frontier, the Insurance Institute for Highway Safety (IIHS) classifies the model as a small pickup truck.

These types of models are generally considered to be safer than smaller vehicles you see on the road like economy cars or sports cars. For this reason, insurance rates tend to be more affordable since there is less risk of injury to the driver and occupants in the Nissan Frontier.

Although it’s helpful to know how size and class play a factor in what you will end up paying for Nissan Frontier insurance costs, you are likely more concerned with how it impacts your wallet.

What does liability insurance cost for a Nissan Frontier?

Bodily injury liability insurance will kick in after an accident that is your fault. This coverage will help pay for things like medical expenses and lost wages incurred by the opposing driver.

The following general quotes will show a breakdown of how much bodily injury liability costs for the Nissan Frontier from low to high coverage.

  • Low ($25,000): $88.45
  • Medium ($50,000): $109.11
  • High ($100,000): $121.12

Property damage liability insurance will pay for damage you inflicted on the other driver’s property, such as their vehicle.

Let’s take a look at what property damage liability insurance costs for a Nissan Frontier based on the level of coverage you wish to receive.

  • Low ($25,000): $105.65
  • Medium ($50,000): $106.46
  • High ($100,000): $111.18

Property damage rates on the Nissan Frontier remain mostly the same, even with more coverage.

What are the safety features and ratings of the Nissan Frontier?

Equipping a pickup like the Nissan Frontier with innovative safety features is vital to the safety of the driver and the truck’s occupants.

Take a look at the following list of safety features on the Nissan Frontier with information sourced from AutoBlog.com.

  • Anti-Lock Brakes – Also known as ABS, these brakes have sensors that detect when the tire(s) have stopped moving when extreme braking occurs. The ABS system will modify pressure allowing the tire(s) to continue rotating safely.
  • Front-Impact Airbags – This feature serves to protect the heads of the driver and passengers during a front-end crash.
  • Stability Control This feature automatically senses when the van’s handling limits have been exceeded and reduces engine power and applies select brakes to help prevent the driver from losing control.
  • Anti-Whiplash These head restraints actively react to rear collision forces and cradle the occupants’ head in an effort to reduce the likelihood of a whiplash injury.
  • Pretensioners – This feature automatically tightens the seatbelts to place the occupant in the optimal seating position during a collision.

Even though the safety features of the Nissan Frontier are impressive, insurance rates for this pickup are still tied to every model that belongs to the same size and class.

The IIHS reports that out of 1,276,485 registered small pickups, a total of 33 deaths have been reported for this class. Broken down, that is a fatality rate of 26 per one million registered people who drive a model like the Nissan Frontier.

Beyond vehicle type, fatality statistics vary based on the point of impact from which the crash occurred. Take a look at the following figures to see how some types of crashes are more fatal than others.

  • Frontal Impact: 2,493 deaths  
  • Side Impact: 807 deaths 
  • Rear Impact: 173 deaths
  • Other (mostly rollovers): 896 deaths

As you can see from these figures, frontal impact crashes tend to be the most fatal.

What is the MSRP of the Nissan Frontier?

As of the writing of this article, Kelley Blue Book (KBB) reports that the MSRP value of a base-level 2019 Nissan Frontier is $24,255 with a fair market value between $22,005 and $23,734.

If you want to protect your very own Frontier, you will need to explore the option of getting full coverage. Having this on your policy is the only way your truck is covered in the event of a crash.

Two types of coverage you can get to protect your car are collision and comprehensive insurance.

  • Collision car insurance is a type of coverage that will pay for any costs associated with repairing or even replacing your vehicle if it gets damaged after colliding with another car or object.
  • Comprehensive car insurance protects you from any damage sustained that is outside of your control, such as a bicycle running into your vehicle while it is parked on the street.

The IIHS reports that the Nissan Frontier has a loss ratio of -28 percent for collision coverage, which is better than the average. On the other hand, the comprehensive loss percentage on this model is -2 percent, which is on par with the average for this vehicle class.

How much will it cost to repair my Nissan Frontier?

All cars start depreciating the minute they are driven off the dealership lot. Therefore, paying for repairs is a reality for all vehicle owners, regardless of the model’s long-term durability. The only thing that changes is how much you are going to pay to keep your vehicle in great-driving condition.

In the case of the Nissan Frontier, experts from RepairPal suggest that the annual cost of repairs on this forward-thinking pickup truck is $470 per year.

Beyond the average overall cost of ownership, different parts of the truck cost varying amounts to fix. Take a look at the following repair quotes courtesy of Instant Estimator.

  • Front Bumper: $387.80
  • Rear Bumper: $397.80
  • Hood: $377
  • Roof: $389.40
  • Front Door: $389.20
  • Back Door: $377.80
  • Fender: $327.40
  • Quarter Panel: $377

By now, we have gone into extensive detail about Nissan Frontier insurance costs but want to ask, “is there anything we might have missed or additional topics you would’ve liked to know more about?” If not, feel encouraged to use our free online tool to start comparing quotes from different insurance providers.

Rates by Driver Age

Nissan Frontier Insurance Rates by Driver Age
Driver Age Premium
16 $5,250
20 $3,120
30 $1,388
40 $1,348
50 $1,236
60 $1,210

Full coverage, $500 deductibles

Rates by Deductible

Nissan Frontier Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,642
$250 $1,506
$500 $1,348
$1,000 $1,196

Full coverage, driver age 40

Rates by Liability Limit

Nissan Frontier Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,348
50/100 $1,416
100/300 $1,527
250/500 $1,814
100 CSL $1,461
300 CSL $1,704
500 CSL $1,881

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Frontier Insurance Rates for High Risk Drivers
Age Premium
16 $7,454
20 $4,972
30 $2,968
40 $2,920
50 $2,792
60 $2,768

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $187

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $70
Multi-vehicle $72
Homeowner $22
5-yr Accident Free $93
5-yr Claim Free $86
Paid in Full/EFT $57
Advance Quote $64
Online Quote $93
Total Discounts $557
Rate after discounts $791

Discounts are estimated and may not be available from every company or in every state.

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