Annual full coverage insurance costs for a Nissan Frontier range from $1,047 to $6,000. Rates vary widely based on the model year, driver age, address, driving history, coverage level and insurer. MoneyGeek breaks down the costs and coverage for Nissan Frontier insurance, offering insights into the best companies and most affordable options.
Nissan Frontier Insurance Cost
Updated: March 25, 2025
Key Takeaways
State Farm offers the most affordable annual rates for minimum coverage across all model years, averaging $484.
For a Nissan Frontier, the average annual insurance cost is $621 for minimum coverage and $1,362 for full coverage.
MoneyGeek analyzed data and 4,183 Nissan Frontier insurance quotes from Quadrant Information Services to provide these insights.
Nissan Frontier Insurance Rates
What Is the Average Nissan Frontier Car Insurance Cost?
The average cost of full coverage for a Nissan Frontier is $114 per month or $1,362 per year, based on a 40-year-old male driver with a clean record. Minimum coverage costs about $52 monthly or $621 annually.
| Minimum Coverage | $621 |
| Full Coverage | $1,362 |
Nissan Frontier Insurance Costs by Company
Nissan Frontier insurance costs range from $1,078 to $1,961 per year, varying by age, model year and coverage level. The table below compares average Nissan Frontier insurance rates with the averages for all vehicles from several national and mid-size providers.
| Allstate | $1,576 | $1,812 | -13% |
| Auto-Owners | $1,135 | $1,227 | -8% |
| Farmers | $1,734 | $1,956 | -11% |
| GEICO | $1,165 | $1,333 | -13% |
| Kemper | $1,961 | $2,213 | -11% |
| Nationwide | $1,372 | $1,590 | -14% |
| Progressive | $1,712 | $1,742 | -2% |
| State Farm | $1,126 | $1,270 | -11% |
| Travelers | $1,253 | $1,523 | -18% |
| USAA | $1,078 | $1,200 | -10% |
Read more: Best Car Insurance Companies
Cost of Insuring a Nissan Frontier by Model Year
The year your Nissan Frontier was produced can impact your insurance rates, with older models typically costing less. For example, a 2022 model has a full coverage rate of $1,537, while it costs $1,231 for a 2009 model. Below are the average full and minimum coverage rates for every production year.
| 2022 | $636 | $1,537 |
| 2021 | $620 | $1,525 |
| 2020 | $603 | $1,495 |
| 2019 | $631 | $1,470 |
| 2018 | $635 | $1,440 |
| 2017 | $611 | $1,405 |
| 2016 | $632 | $1,369 |
| 2015 | $630 | $1,334 |
| 2014 | $616 | $1,319 |
| 2013 | $649 | $1,304 |
| 2012 | $656 | $1,288 |
| 2011 | $631 | $1,270 |
| 2010 | $655 | $1,250 |
| 2009 | $652 | $1,231 |
Nissan Frontier Insurance Costs by Driver Age
Nissan Frontier insurance rates vary widely based on driver age. For instance, 16-year-olds pay around $6,000 annually for full coverage, while 40-year-olds pay about $1,374. Below are the average full and minimum coverage rates for drivers across ages.
| 16 | $2,922 | $6,000 |
| 17 | $2,371 | $4,893 |
| 18 | $2,068 | $4,305 |
| 19 | $1,465 | $3,051 |
| 20 | $1,316 | $2,774 |
| 21 | $1,041 | $2,237 |
| 22 | $949 | $2,056 |
| 23 | $880 | $1,919 |
| 24 | $834 | $1,826 |
| 25 | $741 | $1,633 |
| 26 | $721 | $1,576 |
| 27 | $704 | $1,542 |
| 28 | $692 | $1,518 |
| 29 | $682 | $1,498 |
| 30 | $658 | $1,444 |
| 35 | $640 | $1,400 |
| 40 | $633 | $1,374 |
| 45 | $627 | $1,357 |
| 50 | $612 | $1,315 |
| 55 | $596 | $1,280 |
| 60 | $596 | $1,276 |
| 65 | $635 | $1,330 |
| 70 | $690 | $1,424 |
| 75 | $767 | $1,561 |
| 80 | $870 | $1,737 |
| 85 | $940 | $1,863 |
| 90 | $992 | $1,950 |
Nissan Frontier Insurance Rates Explained
Car insurance rates depend on your driver profile and vehicle-related factors. Below is a list of cost factors tied to your vehicle that may influence your premiums.
Nissan Frontier Rates vs. National Average
All Vehicles
Average Full Coverage Rate
$1,296Nissan Frontier
Average Full Coverage Rate
$1,362Premiums for Nissan Frontier are:$66 more
This is 5% more expensive.
Value
The Nissan Frontier, classified as a pickup truck, has an MSRP of $42,095. Its value may result in higher insurance premiums.
Repair costs
The Nissan Frontier's annual repair cost is $470, below the national average. Lower repair costs can help reduce insurance premiums.
Performance
The Nissan Frontier has 310 horsepower and a 0-to-60 time of 7.3 seconds. As a non-high-performance vehicle, it may have lower insurance costs.
Vehicle age
Newer Nissan Frontiers are typically more expensive to insure than older models. However, collector and classic vehicles can be exceptions and may have higher insurance costs.
Safety features
Safety features like stability control, airbags and antilock brakes can qualify the Nissan Frontier for insurance discounts. The vehicle has an NHTSA safety rating of 4 out of 5, which can reduce the risk of accidents.
Vehicle size
Larger vehicles like the Nissan Frontier, with a curb weight of 4,856 lbs, may cost more to insure due to potential property damage.
Trim level
Higher trim levels of the Nissan Frontier often feature premium upgrades, leading to a higher MSRP. This results in higher insurance costs than the base model.
Theft rates
Vehicles at higher risk of theft, like the Nissan Frontier with a theft relative claims frequency of 46, may have higher insurance rates.
Cheapest Nissan Frontier Insurance
State Farm offers the most affordable minimum coverage for a Nissan Frontier at $484 annually, based on a 40-year-old male with a clean driving record. Below is a breakdown of the cheapest auto insurance rates for various coverage levels, age groups, driving records, model years and more.
Cheapest Nissan Frontier Insurance by Coverage Level
The coverage level you choose greatly influences your Nissan Frontier insurance rate. State Farm offers the most affordable minimum and full coverage rates. Below is a breakdown of the cheapest providers for both types.
Cheapest Nissan Frontier Minimum Coverage
State Farm offers the cheapest minimum coverage for Nissan Frontier owners at $40 per month. Other affordable options include GEICO at $44, Travelers at $49 and Allstate at $55.
| USAA | $37 | $440 |
| State Farm | $40 | $484 |
| GEICO | $44 | $525 |
| Travelers | $49 | $586 |
| Allstate | $55 | $665 |
| Nationwide | $57 | $679 |
| Progressive | $60 | $717 |
| Farmers | $63 | $752 |
*State Farm offers non-military-affiliated Nissan Frontier owners the lowest average minimum coverage insurance rate. USAA is the most affordable option for military-affiliated drivers.
Best Nissan Frontier Insurance Rates by Model Year
The list above doesn’t account for your Nissan Frontier’s production year, which can impact insurance rates. Older models may qualify for lower premiums. Use the table below to filter and find the lowest minimum coverage rates by production year.
Data filtered by:Results filtered by:
Select
Model Year:2009
| Allstate | $668 | $56 |
| Farmers | $793 | $66 |
| GEICO | $525 | $44 |
| Nationwide | $688 | $57 |
| Progressive | $766 | $64 |
| State Farm | $485 | $40 |
| Travelers | $653 | $54 |
| USAA | $464 | $39 |
*USAA is available only to military veterans, active service members and their families.
Cheapest Full Coverage Nissan Frontier Insurance
State Farm offers the cheapest full coverage insurance for a Nissan Frontier at $1,092 annually or $91 monthly. Below is the complete list of full coverage providers and rates.
| USAA | $87 | $1,047 |
| State Farm | $91 | $1,092 |
| GEICO | $95 | $1,140 |
| Travelers | $103 | $1,242 |
| Nationwide | $108 | $1,301 |
| Allstate | $125 | $1,502 |
| Farmers | $135 | $1,624 |
| Progressive | $136 | $1,629 |
*On average, State Farm is the cheapest insurer for non-military-affiliated Nissan Frontier owners seeking full coverage. For military-affiliated drivers, USAA is the most affordable option.
Cheapest Nissan Frontier Insurance by Age
Younger drivers (16 to 25) and seniors (55 and older) often face higher Nissan Frontier insurance rates. Finding the lowest rate is crucial for these groups. Below is a breakdown of the cheapest options by age.
Cheapest Nissan Frontier Insurance for Young Drivers
State Farm offers the cheapest auto insurance for young drivers, averaging $88 monthly or $1,060 yearly for minimum coverage. Below is the complete list of affordable rates for Nissan Frontier drivers aged 16 to 25.
| USAA | $76 | $915 |
| State Farm | $88 | $1,060 |
| Travelers | $103 | $1,232 |
| GEICO | $106 | $1,270 |
| Allstate | $130 | $1,555 |
| Nationwide | $149 | $1,793 |
| Progressive | $168 | $2,014 |
| Farmers | $171 | $2,056 |
*State Farm is the cheapest insurer for young non-military-affiliated drivers. USAA is the most affordable option for military-affiliated drivers.
Cheapest Nissan Frontier Insurance for Seniors
State Farm offers the cheapest car insurance for seniors aged 55 and up, starting at $44 monthly or $533 annually. See the full list of affordable Nissan Frontier insurers below.
| State Farm | $44 | $533 |
| USAA | $49 | $586 |
| GEICO | $53 | $632 |
| Travelers | $59 | $708 |
| Nationwide | $66 | $797 |
| Allstate | $68 | $815 |
| Progressive | $77 | $919 |
| Farmers | $84 | $1,008 |
Cheapest Nissan Frontier Insurance After an Accident
State Farm, GEICO and Travelers offer Nissan Frontier drivers the most affordable car insurance after an accident. See the complete list below for more options.
| State Farm | $51 | $607 |
| USAA | $56 | $672 |
| GEICO | $69 | $830 |
| Travelers | $70 | $838 |
| Allstate | $76 | $907 |
| Nationwide | $87 | $1,049 |
| Progressive | $99 | $1,183 |
| Farmers | $125 | $1,500 |
Nissan Frontier Insurance Cost: Bottom Line
Regularly compare car insurance rates from different providers to find the most affordable option. This article explores Nissan Frontier insurance, including costs for various demographic groups and the cheapest providers.
Nissan Frontier Insurance Rates: FAQ
Below are answers to common questions about Nissan Frontier insurance costs to help you understand your options.
What company has the cheapest car insurance for a Nissan Frontier?
State Farm is the cheapest insurance provider for a Nissan Frontier, with an annual minimum coverage rate of $484.
What is the average cost of car insurance for a Nissan Frontier?
The average annual insurance cost for a Nissan Frontier is $621 for minimum coverage and $1,362 for full coverage.
Nissan Frontier Insurance Ratings: Our Review Methodology
MoneyGeek analyzed data and 4,183 Nissan Frontier insurance quotes from Quadrant Information Services.
Drivers and Cars
MoneyGeek used a sample driver profile with the following characteristics to calculate the average rates for insuring a Nissan Frontier:
- 40-year-old male
- Clean driving record
- 12,000 miles driven annually
We also modified the sample driver profile to determine Nissan Frontier insurance rates for different age groups, driving records and model years. MoneyGeek collected data for the following model years:
- 2012
- 2013
- 2014
- 2015
- 2016
- 2017
- 2018
- 2019
- 2020
- 2021
- 2022
If data on specific model years wasn't available, our data scientists estimated rates based on how insurers typically price car models each year. The published rates are estimates and may not reflect the rate you'll receive for your Nissan Frontier.
Coverage Levels
Each state differs in minimum coverage requirements, so our rates are a combination of minimum coverage policies in the states where we gathered our data.
MoneyGeek’s analysis also includes average rates for a full coverage policy that includes comprehensive and collision coverage (with a $1,000 deductible) and the following increased liability coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.