Nissan Frontier Insurance Rates

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Cheapest 2002 Nissan Frontier Insurance Rates in 2025

Looking for the cheapest insurance rates for your Nissan Frontier? Have you had enough of trying to scrape together enough money to buy car insurance? Your situation is no different than the majority of other car owners. Companies like State Farm, Progressive and GEICO all promote huge savings with ads and consumers find it hard to ignore the flying pigs and cute green geckos and find the best pri...

Dani Best

Licensed Insurance Producer

Dani Best has been a licensed insurance producer for nearly 10 years. Dani began her insurance career in a sales role with State Farm in 2014. During her time in sales, she graduated with her Bachelors in Psychology from Capella University and is currently earning her Masters in Marriage and Family Therapy. Since 2014, Dani has held and maintains licenses in Life, Disability, Property, and Casualt...

Licensed Insurance Producer

UPDATED: Jun 5, 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.

U.S. average insurance prices for a Nissan Frontier are $1,378 every 12 months for full coverage insurance. Comprehensive insurance costs on average $270, collision costs $478, and liability insurance is estimated at $450. Liability-only insurance costs approximately $518 a year, with high-risk driver insurance costing $2,972 or more. Teenage drivers pay the highest rates at $5,248 a year or more.

Average premium for full coverage: $1,378

Price estimates by individual coverage:

Comprehensive $270
Collision $478
Liability $450

Price estimates include $500 policy deductibles, minimum liability limits, and includes uninsured/under-insured motorist coverage. Estimates are averaged for all 50 states and for all Frontier models.

Price Range from Low to High

For a 40-year-old driver, Nissan Frontier insurance prices go from the cheapest price of $518 for your basic liability-only policy to the much higher price of $2,972 for high-risk insurance.

Liability Only $518
Full Coverage $1,378
High Risk $2,972

Geographic Price Range

Living in a larger city has a significant impact on insurance rates. Rural areas have more infrequent physical damage claims than densely populated cities.

The example below illustrates how your location can change car insurance rates.

Rural Areas $1,034
Small Cities $1,447
Large Cities $1,860

The ranges above illustrate why everyone should get quotes based on a specific location 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.

More Rate Information

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

  • The best discount rate is $806
  • Choosing higher $1,000 deductibles can save around $172 each year
  • The average price for the average middle-age driver with $500 deductibles is $1,378
  • Using pricier low deductibles for comp and collision coverage costs an extra $326 a year
  • High-risk insureds who are prone to accidents and violations could pay upwards of $2,972 or more
  • The price to insure a teen driver for full coverage may cost $5,248 each year

View Chart as Image

Nissan Frontier insurance cost comparison chart
Column chart showing full coverage Nissan Frontier insurance prices range from $806 to $5,248

Car insurance prices for a Nissan Frontier are also quite variable based on deductibles and policy limits, your risk profile, and the trim level of your Frontier.

Using high physical damage deductibles can save as much as $500 each year, whereas buying more liability protection will cost you more. Switching from a 50/100 liability limit to a 250/500 limit will increase prices by as much as $358 extra every 12 months. View Rates by Deductible or Liability Limit

A more mature driver with no driving violations and higher deductibles could pay as little as $1,300 annually on average for full coverage. Prices are much higher for teenage drivers, since even excellent drivers will be charged upwards of $5,200 a year. View Rates by Age

If you have some driving violations or you were responsible for an accident, you are probably paying at a minimum $1,600 to $2,300 extra each year, depending on your age. Nissan Frontier insurance for high-risk drivers ranges anywhere from 44% to 130% more than a normal policy. View High Risk Driver Rates

The state you live in plays a big part in determining prices for Nissan Frontier insurance rates. A good driver about age 40 could pay as low as $900 a year in states like Vermont, Wisconsin, and North Carolina, or be forced to pay as much as $1,860 on average in Michigan, New York, and Florida.

Nissan Frontier Insurance Rates by State
State Premium Compared to U.S. Avg Percent Difference
Alabama $1,246 -$132 -9.6%
Alaska $1,056 -$322 -23.4%
Arizona $1,144 -$234 -17.0%
Arkansas $1,378 -$0 0.0%
California $1,568 $190 13.8%
Colorado $1,312 -$66 -4.8%
Connecticut $1,412 $34 2.5%
Delaware $1,558 $180 13.1%
Florida $1,720 $342 24.8%
Georgia $1,270 -$108 -7.8%
Hawaii $988 -$390 -28.3%
Idaho $934 -$444 -32.2%
Illinois $1,024 -$354 -25.7%
Indiana $1,038 -$340 -24.7%
Iowa $928 -$450 -32.7%
Kansas $1,308 -$70 -5.1%
Kentucky $1,878 $500 36.3%
Louisiana $2,036 $658 47.8%
Maine $850 -$528 -38.3%
Maryland $1,136 -$242 -17.6%
Massachusetts $1,100 -$278 -20.2%
Michigan $2,388 $1,010 73.3%
Minnesota $1,154 -$224 -16.3%
Mississippi $1,650 $272 19.7%
Missouri $1,220 -$158 -11.5%
Montana $1,478 $100 7.3%
Nebraska $1,084 -$294 -21.3%
Nevada $1,650 $272 19.7%
New Hampshire $992 -$386 -28.0%
New Jersey $1,540 $162 11.8%
New Mexico $1,216 -$162 -11.8%
New York $1,450 $72 5.2%
North Carolina $792 -$586 -42.5%
North Dakota $1,126 -$252 -18.3%
Ohio $950 -$428 -31.1%
Oklahoma $1,412 $34 2.5%
Oregon $1,260 -$118 -8.6%
Pennsylvania $1,312 -$66 -4.8%
Rhode Island $1,834 $456 33.1%
South Carolina $1,248 -$130 -9.4%
South Dakota $1,162 -$216 -15.7%
Tennessee $1,204 -$174 -12.6%
Texas $1,656 $278 20.2%
Utah $1,020 -$358 -26.0%
Vermont $942 -$436 -31.6%
Virginia $824 -$554 -40.2%
Washington $1,062 -$316 -22.9%
West Virginia $1,262 -$116 -8.4%
Wisconsin $952 -$426 -30.9%
Wyoming $1,226 -$152 -11.0%

View Chart as Image

Nissan Frontier insurance rates by U.S. city

Since prices can be so different, the only way to figure out exactly what you will pay is to regularly compare prices from as many companies as possible. Each auto insurer uses a different method to calculate prices, so rate quotes may be quite different.

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 $280 $482 $440 $1,382
2023 Nissan Frontier $270 $478 $450 $1,378
2022 Nissan Frontier $260 $466 $470 $1,376
2021 Nissan Frontier $250 $446 $486 $1,362
2020 Nissan Frontier $238 $430 $500 $1,348
2019 Nissan Frontier $228 $400 $510 $1,318
2018 Nissan Frontier $218 $376 $514 $1,288
2017 Nissan Frontier $210 $338 $520 $1,248
2016 Nissan Frontier $196 $310 $520 $1,206
2014 Nissan Frontier $184 $272 $534 $1,170
2012 Nissan Frontier $166 $228 $540 $1,114
2011 Nissan Frontier $156 $210 $534 $1,080
2008 Nissan Frontier $140 $166 $520 $1,006
2007 Nissan Frontier $136 $160 $510 $986
2006 Nissan Frontier $126 $152 $504 $962
2005 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 Cheaper Nissan Frontier Insurance

Getting lower rates on Nissan Frontier insurance takes being safe and accident-free, maintaining a good credit score, not filing small claims, and maximizing policy discounts. Invest the time to shop around every couple of years by requesting quotes from direct insurance companies like Progressive, GEICO, and Esurance, and also from several local insurance agents.

Below you'll find a condensed summary of the material that was illustrated above.

  • Drivers who require more liability protection will pay an extra $500 annually to raise limits from a low limit to a 250/500 level
  • Youthful drivers are expensive to insure, as much as $437 a month if the policy includes full coverage
  • High-risk drivers with multiple at-fault accidents pay on average $1,590 more each year than a low-risk driver
  • Increasing physical damage deductibles could save as much as $500 each year

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 $5,248
20 $3,176
30 $1,426
40 $1,378
50 $1,258
60 $1,234

Full coverage, $500 deductibles

Rates by Deductible

Nissan Frontier Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,704
$250 $1,554
$500 $1,378
$1,000 $1,206

Full coverage, driver age 40

Rates by Liability Limit

Nissan Frontier Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,378
50/100 $1,448
100/300 $1,547
250/500 $1,806
100 CSL $1,487
300 CSL $1,706
500 CSL $1,866

Full coverage, driver age 40

Rates for High Risk Drivers

Nissan Frontier Insurance Rates for High Risk Drivers
Age Premium
16 $7,456
20 $5,052
30 $3,028
40 $2,972
50 $2,838
60 $2,812

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 $806

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

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