Nissan Frontier vs Ford Ranger Insurance Cost
The Ford Ranger is cheaper to insure by about $205 a year for full coverage by our estimate ($1,480 vs. $1,275), and cheaper in 51 of 51 states.
Side-by-side insurance estimate
| Coverage | Nissan Frontier | Ford Ranger | Difference |
|---|---|---|---|
| State minimum | $590 | $505 | +$85 |
| Standard (100/300/100) | $855 | $730 | +$125 |
| Full coverage | $1,480 | $1,275 | +$205 |
National average base rates, driver in their 30s with a clean record, latest model year of each car. Difference = Frontier minus Ranger.
Why one costs more to insure
| Factor | Nissan Frontier | Ford Ranger |
|---|---|---|
| Segment | Pickup truck | Pickup truck |
| Powertrains | Gasoline, Flex-fuel | Gasoline |
| HLDI collision (100 = avg) | 92 | 80 |
| HLDI comprehensive | 77 | 75 |
| HLDI property damage liability | 94 | 70 |
| HLDI bodily injury liability | 93 | — |
| NHTSA overall rating | 4★ | 4★ |
| NICB most-stolen rank | Not in top 10 | Not in top 10 |
| Recalls (latest 3 model years) | 3 | 23 |
Collision losses are the biggest swing factor: the Nissan Frontier has 12 points higher relative collision losses, meaning its crash repairs cost insurers more on average.
Frontier vs Ranger insurance by state
By driver profile (full coverage)
| Driver | Frontier | Ranger |
|---|---|---|
| Teen driver (18, own policy) | $4,070 | $3,510 |
| Young adult (22) | $2,365 | $2,045 |
| Adult in their 30s | $1,480 | $1,275 |
| Adult in their 50s | $1,360 | $1,175 |
| Senior (72) | $1,655 | $1,430 |
| 30s, one at-fault accident | $2,145 | $1,850 |
| 30s, DUI on record | $2,735 | $2,360 |
More comparisons
Frequently asked questions
Is the Nissan Frontier or the Ford Ranger cheaper to insure?
By our estimate the Ford Ranger is cheaper, by about $205 a year for full coverage ($1,480 vs. $1,275) for a driver in their 30s with a clean record.
Why does insurance cost differ between the Nissan Frontier and Ford Ranger?
Mostly because of insurance-loss history: HLDI collision indices of 92 vs. 80 and comprehensive indices of 77 vs. 75 (100 = average), plus repair costs, theft rates and segment.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.