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: 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.

Estimated insurance prices for a Nissan Frontier are $1,348 every 12 months including full coverage. Comprehensive costs around $238 each year, collision costs $430, and liability insurance is estimated at $500. Liability-only coverage costs approximately $560 a year, with high-risk coverage costing around $2,920. 16-year-old drivers pay the most at $5,250 a year or more.

Average premium for full coverage: $1,348

Premium estimates for type of coverage:

Comprehensive $238
Collision $430
Liability $500

Prices include $500 policy deductibles, liability coverage up to 30/60, and includes UM/UIM and medical coverage. Rates include averaging for all 50 U.S. states and Frontier models.

Insurance Price Range by Risk and Coverage

Using a 40-year-old driver as an example, insurance rates for a Nissan Frontier go from the cheapest price of $560 for a discount liability-only rate to a high rate of $2,920 for a high-risk driver policy.

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

Insurance Price Range by Location

Living in a larger city has a significant impact on the price of insurance. Areas with sparse population are statistically proven to have more infrequent comprehensive and collision claims than congested cities.

The graphic below illustrates how rural and urban location affects auto insurance rates.

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

These rate differences highlight why all drivers should get quotes for a specific zip code and their own driving history, rather than relying 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.

Rates by State, City, and Model

The chart below breaks down estimated Nissan Frontier insurance rates for additional coverage choices and driver risks.

  • The best full coverage rate is $791
  • Choosing higher $1,000 deductibles can save about $152 every year
  • The average price for a 40-year-old good driver using $500 deductibles is $1,348
  • Buying low deductibles for comp and collision coverage increases the price to $1,642
  • High-risk insureds with multiple tickets or accidents could pay at least $2,920 or more
  • An auto insurance policy to insure a teen driver can be $5,250 each year

View Chart as Image

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

Insurance prices for a Nissan Frontier also have a wide range based on physical damage deductibles and liability limits, your driving characteristics, and the trim level and model year.

Opting for high physical damage deductibles can save as much as $450 each year, whereas increasing liability limits will increase prices. Changing from a 50/100 liability limit to a 250/500 limit will cost up to $398 more per year. View Rates by Deductible or Liability Limit

More mature drivers with a clean driving record and higher deductibles could pay as little as $1,300 annually on average, or $108 per month, for full coverage. Prices are highest for drivers in their teens, since even excellent drivers can expect to pay as much as $5,200 a year. View Rates by Age

If you have a few violations or you were responsible for an accident, you are likely paying at least $1,600 to $2,300 extra annually, depending on your age. Insurance for high-risk drivers ranges anywhere from 44% to 132% more than the average rate. View High Risk Driver Rates

Where you choose to live plays a big part in determining prices for Nissan Frontier insurance rates. A good driver about age 40 could pay as low as $1,030 a year in states like Missouri, New Hampshire, and Vermont, or at least $1,920 on average in Michigan, New York, and Louisiana.

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

With such a large range in prices, the best way to figure out your exact price is to do a rate comparison from as many companies as possible. Each auto insurer utilizes a different rate formula, so the prices will be substantially different.

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 Shop for the Right Nissan Frontier Insurance

Finding better rates on Nissan Frontier insurance takes being a good driver, having good credit, refrain from filing small claims, and insuring your home and auto with the same company. Set aside time to shop around every time your policy renews by quoting rates from direct car insurance companies, and also from insurance agencies where you live.

The following list is a quick rundown of the information raised in the charts and tables above.

  • You may be able to save up to $160 per year simply by quoting online in advance
  • Drivers age 16 to 20 pay higher prices, with the cost nearing $438 per month if they have full coverage
  • Increasing policy deductibles could save as much as $450 each year
  • High-risk drivers with reckless driving or DUI convictions could be forced to pay on average $1,570 more every year than a safer driver
  • Drivers who may need an increased level of liability coverage will pay around $550 per year to raise limits from 30/60 bodily injury limits to a 250/500 level

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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