Nissan Frontier Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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Written by Jeffrey Johnson
Insurance Lawyer Jeffrey Johnson

UPDATED: Apr 30, 2020

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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 insurance rates for a Nissan Frontier are $1,376 a year for full coverage. Comprehensive costs on average $260 a year, collision costs $466, and liability insurance costs $470. A liability-only policy costs as little as $536 a year, with high-risk insurance costing around $2,974. Teen drivers receive the highest rates at $5,280 a year or more.

Average premium for full coverage: $1,376

Rate estimates by individual coverage type:

Comprehensive $260
Collision $466
Liability $470

Rates include $500 deductibles, 30/60 liability limits, and includes uninsured motorist coverage. Rates are averaged for all states and Frontier trim levels.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $536 for only liability insurance to a high of $2,974 for a high risk driver.

Liability Only $536
Full Coverage $1,376
High Risk $2,974

Price Range by Location

Your location has a significant impact on car insurance rates. Rural areas tend to have a lower frequency of accident claims than larger metro areas.

The diagram below illustrates the effect of location on car insurance rates.

Rural Areas $1,032
Small Cities $1,445
Large Cities $1,858

These examples show why it is important to compare rates based on a specific location and risk profile, rather than relying on price 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.

Insurance Rate Analysis

The chart below shows estimated Nissan Frontier insurance rates for different risk profiles and scenarios.

  • The lowest rate with discounts is $804
  • Drivers who choose higher $1,000 deductibles will pay around $1,212 a year
  • The average rate for a 40-year-old driver with $500 deductibles is $1,376
  • Choosing low $100 deductibles for comprehensive and collision insurance will increase the cost to $1,696
  • High risk drivers with multiple violations and an at-fault accident could pay upwards of $2,974 or more
  • The cost for full coverage for a teen driver may cost $5,280 a year

View Chart as Image

Nissan Frontier insurance cost comparison chart
Column chart showing full coverage Nissan Frontier insurance rates range from $804 to $5,280

for a Nissan Frontier can also vary considerably based on your driver profile, the trim level of your Frontier, and policy deductibles and limits.

Older drivers and high deductibles could pay as little as $1,300 per year on average for full coverage. Rates are highest for teen drivers, where even good drivers upwards of $5,200 a year. View Rates by Age

Where you live makes a big difference in Nissan Frontier insurance rates. A 40-year-old driver could pay as low as $910 a year in states like Idaho, Maine, and Iowa, or as much as $1,960 on average in Michigan, Louisiana, and New York.

Nissan Frontier Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,240 -$136 -9.9%
Alaska $1,054 -$322 -23.4%
Arizona $1,142 -$234 -17.0%
Arkansas $1,376 -$0 0.0%
California $1,566 $190 13.8%
Colorado $1,312 -$64 -4.7%
Connecticut $1,414 $38 2.8%
Delaware $1,556 $180 13.1%
Florida $1,720 $344 25.0%
Georgia $1,270 -$106 -7.7%
Hawaii $986 -$390 -28.3%
Idaho $932 -$444 -32.3%
Illinois $1,024 -$352 -25.6%
Indiana $1,038 -$338 -24.6%
Iowa $928 -$448 -32.6%
Kansas $1,304 -$72 -5.2%
Kentucky $1,876 $500 36.3%
Louisiana $2,036 $660 48.0%
Maine $850 -$526 -38.2%
Maryland $1,134 -$242 -17.6%
Massachusetts $1,098 -$278 -20.2%
Michigan $2,386 $1,010 73.4%
Minnesota $1,152 -$224 -16.3%
Mississippi $1,650 $274 19.9%
Missouri $1,220 -$156 -11.3%
Montana $1,478 $102 7.4%
Nebraska $1,082 -$294 -21.4%
Nevada $1,650 $274 19.9%
New Hampshire $992 -$384 -27.9%
New Jersey $1,538 $162 11.8%
New Mexico $1,216 -$160 -11.6%
New York $1,450 $74 5.4%
North Carolina $792 -$584 -42.4%
North Dakota $1,126 -$250 -18.2%
Ohio $950 -$426 -31.0%
Oklahoma $1,410 $34 2.5%
Oregon $1,258 -$118 -8.6%
Pennsylvania $1,310 -$66 -4.8%
Rhode Island $1,834 $458 33.3%
South Carolina $1,248 -$128 -9.3%
South Dakota $1,160 -$216 -15.7%
Tennessee $1,204 -$172 -12.5%
Texas $1,656 $280 20.3%
Utah $1,016 -$360 -26.2%
Vermont $942 -$434 -31.5%
Virginia $824 -$552 -40.1%
Washington $1,060 -$316 -23.0%
West Virginia $1,260 -$116 -8.4%
Wisconsin $952 -$424 -30.8%
Wyoming $1,224 -$152 -11.0%

View Chart as Image

Nissan Frontier insurance rates by U.S. city

Choosing high deductibles could save up to $490 each year, while buying higher liability limits will cost you more. Going from a 50/100 limit to a 250/500 limit will cost as much as $375 . View Rates by Deductible or Liability Limit

If you like to drive fast or tend to cause accidents, you could be paying at a minimum $1,600 to $2,300 per year, depending on your age. A high-risk auto insurance policy can cost anywhere from 44% to 129% more than average. View High Risk Driver Rates

With so much variability in rates, the only way to know exactly what you will pay is to get quotes from as many companies as possible. Every company uses a different rate calculation, can be significantly different from one company to the next.

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 $260 $466 $470 $1,376
2018 Nissan Frontier $250 $446 $486 $1,362
2017 Nissan Frontier $238 $430 $500 $1,348
2014 Nissan Frontier $210 $338 $520 $1,248
2012 Nissan Frontier $190 $292 $524 $1,186
2011 Nissan Frontier $184 $272 $534 $1,170
2008 Nissan Frontier $156 $210 $534 $1,080
2007 Nissan Frontier $146 $190 $534 $1,050
2006 Nissan Frontier $142 $170 $530 $1,022
2005 Nissan Frontier $140 $166 $520 $1,006
2004 Nissan Frontier $136 $160 $510 $986
2003 Nissan Frontier $126 $152 $504 $962
2002 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 Find Cheaper Nissan Frontier Insurance

Saving money on Nissan Frontier insurance not only requires being a safe driver, but also maintaining good credit, eliminating unneeded coverage, and bundling your home and auto policies. Take the time to shop around at least every two years by getting price quotes from direct carriers like GEICO and Progressive, and also from your local insurance agents.

Here is a summary of the information that was covered in this article.

  • Increasing deductibles can save around $475 each year
  • Drivers can save as much as $160 per year simply by quoting early and online
  • Drivers who require more liability insurance will pay about $520 each year to go from a minimum limit to 250/500 limits
  • Young drivers pay the highest rates, costing as high as $440 per month for full coverage
  • High-risk drivers that have multiple accidents or serious violations will pay on average $1,600 more each year for insurance

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 $5,280
20 $3,178
30 $1,422
40 $1,376
50 $1,258
60 $1,236

Full coverage, $500 deductibles

Rates by Deductible

Nissan Frontier Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,696
$250 $1,548
$500 $1,376
$1,000 $1,212

Full coverage, driver age 40

Rates by Liability Limit

Nissan Frontier Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,376
50/100 $1,447
100/300 $1,551
250/500 $1,822
100 CSL $1,489
300 CSL $1,718
500 CSL $1,884

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Frontier Insurance Rates for High Risk Drivers
Age Premium
16 $7,504
20 $5,058
30 $3,028
40 $2,974
50 $2,842
60 $2,816

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 $190

Potential Rate Discounts

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

Discount Savings
Multi-policy $72
Multi-vehicle $73
Homeowner $21
5-yr Accident Free $97
5-yr Claim Free $88
Paid in Full/EFT $59
Advance Quote $66
Online Quote $96
Total Discounts $572
Rate after discounts $804

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

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