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: May 13, 2024

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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.

The average insurance prices for a Nissan Frontier are $1,382 every 12 months for full coverage insurance. Comprehensive insurance costs an estimated $280 each year, collision costs $482, and liability insurance costs around $440. A liability-only policy costs as low as $510 a year, with high-risk insurance costing $2,976 or more. Teenage drivers cost the most to insure at $5,232 a year or more.

Average premium for full coverage: $1,382

Policy rates broken down by type of insurance:

Comprehensive $280
Collision $482
Liability $440

These estimates include $500 deductible amounts, 30/60 liability limits, and includes additional medical/uninsured motorist coverage. Prices are averaged for all 50 states and Frontier models.

Price Range Variability

Using a middle-aged driver as an example, Nissan Frontier insurance rates go from the cheapest price of $510 for just the minimum liability insurance to a high rate of $2,976 for a driver required to buy high-risk insurance.

Liability Only $510
Full Coverage $1,382
High Risk $2,976

Urban vs. Rural Price Range

Where you live has a significant impact on the price of insurance. More rural locations are shown to have more infrequent physical damage claims than densely populated cities.

The graphic below illustrates how where you live affects insurance prices.

Rural Areas $1,037
Small Cities $1,451
Large Cities $1,866

The examples above illustrate why all drivers should compare prices for a targeted area and their own driving history, rather than relying on average rates.

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.

Additional Rate Analysis

The chart below illustrates estimated Nissan Frontier insurance rates for other coverage scenarios.

  • The best discount rate is $810
  • Using higher $1,000 deductibles will save approximately $172 each year
  • The average price for a good driver age 40 who has $500 deductibles is $1,382
  • Using low deductibles for physical damage coverage costs an extra $334 a year
  • Drivers who are prone to accidents and violations could pay up to $2,976 or more
  • Policy cost to insure a teen driver can cost as much as $5,232 or more

View Chart as Image

Nissan Frontier insurance cost comparison chart
Column chart showing full coverage Nissan Frontier insurance prices range from $810 to $5,232

Car insurance rates for a Nissan Frontier also range considerably based on liability limits and deductibles, your risk profile, and the model year and trim level.

Using high physical damage deductibles could cut rates by as much as $510 each year, whereas increasing liability limits will increase premiums. Switching from a 50/100 liability limit to a 250/500 limit will raise rates by up to $351 extra every 12 months. View Rates by Deductible or Liability Limit

More mature drivers with no driving violations and higher deductibles could pay as little as $1,300 a year, or $108 per month, for full coverage. Rates are much higher for teenagers, since even excellent drivers will be charged at least $5,200 a year. View Rates by Age

If you have a few points on your driving record or you were responsible for an accident, you are probably paying $1,600 to $2,300 extra every year, depending on your age. Insurance for high-risk drivers can be anywhere from 44% to 129% more than a normal policy. View High Risk Driver Rates

Your home state has a huge impact on Nissan Frontier insurance rates. A driver around age 40 might see rates as low as $900 a year in states like North Carolina, Wisconsin, and Vermont, or be forced to pay as much as $1,870 on average in Florida, New York, and Michigan.

Nissan Frontier Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,248 -$134 -9.7%
Alaska $1,060 -$322 -23.3%
Arizona $1,148 -$234 -16.9%
Arkansas $1,382 -$0 0.0%
California $1,574 $192 13.9%
Colorado $1,318 -$64 -4.6%
Connecticut $1,418 $36 2.6%
Delaware $1,564 $182 13.2%
Florida $1,728 $346 25.0%
Georgia $1,276 -$106 -7.7%
Hawaii $992 -$390 -28.2%
Idaho $936 -$446 -32.3%
Illinois $1,028 -$354 -25.6%
Indiana $1,042 -$340 -24.6%
Iowa $932 -$450 -32.6%
Kansas $1,310 -$72 -5.2%
Kentucky $1,882 $500 36.2%
Louisiana $2,046 $664 48.0%
Maine $854 -$528 -38.2%
Maryland $1,140 -$242 -17.5%
Massachusetts $1,102 -$280 -20.3%
Michigan $2,400 $1,018 73.7%
Minnesota $1,154 -$228 -16.5%
Mississippi $1,656 $274 19.8%
Missouri $1,228 -$154 -11.1%
Montana $1,486 $104 7.5%
Nebraska $1,092 -$290 -21.0%
Nevada $1,656 $274 19.8%
New Hampshire $996 -$386 -27.9%
New Jersey $1,546 $164 11.9%
New Mexico $1,222 -$160 -11.6%
New York $1,456 $74 5.4%
North Carolina $796 -$586 -42.4%
North Dakota $1,132 -$250 -18.1%
Ohio $954 -$428 -31.0%
Oklahoma $1,418 $36 2.6%
Oregon $1,266 -$116 -8.4%
Pennsylvania $1,316 -$66 -4.8%
Rhode Island $1,844 $462 33.4%
South Carolina $1,252 -$130 -9.4%
South Dakota $1,166 -$216 -15.6%
Tennessee $1,210 -$172 -12.4%
Texas $1,664 $282 20.4%
Utah $1,022 -$360 -26.0%
Vermont $946 -$436 -31.5%
Virginia $826 -$556 -40.2%
Washington $1,066 -$316 -22.9%
West Virginia $1,268 -$114 -8.2%
Wisconsin $954 -$428 -31.0%
Wyoming $1,230 -$152 -11.0%

View Chart as Image

Nissan Frontier insurance rates by U.S. city

Because rates have so much variability, the only way to figure out which auto insurance is cheapest is to do a rate comparison from as many companies as possible. Each insurance company uses a different method to calculate rates, so rate quotes will be varied.

Insurance Rates by Trim Level and Model Year

Rates assume 2023 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
2024 Nissan Frontier $294 $500 $420 $1,394
2023 Nissan Frontier $280 $482 $440 $1,382
2022 Nissan Frontier $270 $478 $450 $1,378
2021 Nissan Frontier $260 $466 $470 $1,376
2020 Nissan Frontier $250 $446 $486 $1,362
2019 Nissan Frontier $238 $430 $500 $1,348
2018 Nissan Frontier $228 $400 $510 $1,318
2017 Nissan Frontier $218 $376 $514 $1,288
2016 Nissan Frontier $210 $338 $520 $1,248
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 Shop for Cheap Nissan Frontier Insurance

Finding cheaper rates on Nissan Frontier insurance requires having a good driving record, maintaining a good credit score, being claim-free, and not having any coverage lapses. Take the time to comparison shop at every policy renewal by requesting quotes from direct insurance companies, and also from insurance agencies where you live.

The next list is a brief summary of the data touched on in the above illustrations.

  • Drivers who want increased levels of liability coverage will pay an extra $480 annually to increase from a 30/60 limit to a 250/500 level
  • It is possible to save approximately $160 per year simply by quoting online in advance
  • Increasing comprehensive and collision deductibles could save as much as $500 each year
  • Drivers age 20 and younger have the highest car insurance rates, possibly costing $436 each month if the policy includes full coverage

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 $5,232
20 $3,180
30 $1,432
40 $1,382
50 $1,262
60 $1,238

Full coverage, $500 deductibles

Rates by Deductible

Nissan Frontier Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,716
$250 $1,562
$500 $1,382
$1,000 $1,210

Full coverage, driver age 40

Rates by Liability Limit

Nissan Frontier Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,382
50/100 $1,458
100/300 $1,556
250/500 $1,809
100 CSL $1,497
300 CSL $1,712
500 CSL $1,868

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Frontier Insurance Rates for High Risk Drivers
Age Premium
16 $7,438
20 $5,052
30 $3,032
40 $2,976
50 $2,840
60 $2,814

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 $189

Potential Rate Discounts

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

Discount Savings
Multi-policy $72
Multi-vehicle $72
Homeowner $21
5-yr Accident Free $97
5-yr Claim Free $88
Paid in Full/EFT $60
Advance Quote $66
Online Quote $96
Total Discounts $572
Rate after discounts $810

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

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