Nissan Frontier Insurance Rates

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 rates for a Nissan Frontier are $1,382 a year including full coverage. Comprehensive insurance costs on average $280 each year, collision costs $482, and liability is estimated at $440. Buying just liability costs approximately $510 a year, with insurance for high-risk drivers costing $2,976 or more. Teen drivers pay the highest rates at $5,232 a year or more.

Average premium for full coverage: $1,382

Price estimates by individual coverage:

Full coverage includes $500 policy deductibles, 30/60 bodily injury liability limits, and includes medical/PIP and uninsured motorist coverage. Estimates are averaged for all 50 U.S. states and Frontier models.

Price Range from Low to High

Geographic Price Range

Living in a larger city can have significant affects on car insurance rates. Rural areas have a lower frequency of comprehensive and collision claims than larger metro areas.

The graphic below illustrates how location helps determine car insurance rates.

The ranges above highlight why all drivers should get quotes based on a specific location and risk profile, instead of using price averages.

Use the form below to get customized rates for your location.

Additional Charts and Tables

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

• The lowest rate with discounts is $810
• Choosing higher $1,000 deductibles can save around $172 every year
• The average rate for the average middle-age driver with $500 deductibles is $1,382
• Choosing low deductibles for comp and collision coverage will cost an extra $334 every year
• Unlucky drivers with multiple violations and an at-fault accident could pay upwards of $2,976 or more
• The price for full coverage for a teen driver may cost $5,232 each year

View Chart as Image

Insurance prices for a Nissan Frontier are also quite variable based on your driving record, the model of your Frontier, and policy deductibles and limits.

More mature drivers with no violations or accidents and high deductibles may pay as little as $1,300 annually on average for full coverage. Prices are highest for teenage drivers, where even good drivers should be prepared to pay upwards of $5,200 a year. View Rates by Age

The state you live in plays a big part in determining prices for Nissan Frontier insurance prices. A good driver about age 40 could pay as low as $1,060 a year in states like Missouri, New Hampshire, and Vermont, or as much as $1,970 on average in Michigan, New York, and Louisiana.

View Chart as Image

Choosing high deductibles can save as much as $510 every year, whereas increasing liability limits will cost you more. Changing from a 50/100 limit to a 250/500 limit will increase prices by as much as $351 more each year. View Rates by Deductible or Liability Limit

If you have some driving violations or tend to cause accidents, you are likely paying at a minimum $1,600 to $2,300 additional each year, depending on your age. Insurance for high-risk drivers ranges as much as 44% to 129% more than average. View High Risk Driver Rates

Since prices can be so different, the best way to figure out exactly what you will pay is to do a rate comparison and see which company has the best price. Each auto insurer uses a different rate calculation, and prices may be quite different from one company to the next.

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.

How to Find More Affordable Nissan Frontier Insurance

Getting lower rates on car insurance takes avoiding accidents and claims, having a good credit history, being claim-free, and insuring your home and auto with the same company. Invest time comparing rates at every other renewal by quoting rates from direct car insurance companies like Progressive and GEICO, and also from local exclusive and independent agents.

The points below are a summary of the concepts that were covered in the charts and tables above.

• Higher risk drivers who have multiple accidents or major violations may pay on average $1,590 more each year to insure a Nissan Frontier
• Drivers under the age of 20 pay higher prices, possibly costing $436 a month including comprehensive and collision insurance
• You may be able to save as much as $160 per year simply by quoting online in advance
• Increasing physical damage deductibles can save around $500 each year
• You may be able to save as much as $160 per year simply by quoting online in advance

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.

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.