Nissan Frontier Insurance Cost

Full coverage for a Nissan Frontier costs about $1,480 a year ($123/month) by our estimate — ▼ −7% versus the average vehicle, ranking 82nd cheapest of 310 current models.

Nissan Frontier exterior (photo from Wikimedia Commons) — Photo: Alexander Migl, CC BY-SA 4.0

These are estimates, not quotes. Figures are modeled from public data (NAIC, Census, FEMA, IIHS/HLDI) for comparison only. Your actual premium depends on your insurer, driving history, vehicle and coverage choices. We are not an insurance company or agency. How we estimate

Nissan Frontier insurance cost at a glance

Full coverage

$1,480

$123/mo · $1,215–$1,745

Minimum liability

$590

$49/mo

Segment

Pickup truck

Gasoline, Flex-fuel

HLDI collision losses

Better than average (100 = avg)

NHTSA overall

★★★★☆

2026 model year

These figures assume a driver in their 30s with a clean record, 7,500–12,000 miles a year, $500 deductibles and national-average base rates, for the 2027 model year. Our vehicle data covers the 2005–2027 model years of the Nissan Frontier.

Estimated Nissan Frontier premium by coverage level (national average rates)
Coverage level	What it includes	Per year	Per month	Typical range
State minimum liability	Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car.	$590	$49	$485–$695
Standard liability (100/300/100)	Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car.	$855	$71	$700–$1,010
Full coverage	Standard liability plus collision and comprehensive, typically required on a financed or leased car.	$1,480	$123	$1,215–$1,745

What drives the cost of insuring a Nissan Frontier

The strongest predictor of what insurers charge for a specific model is its claims history. HLDI publishes relative insurance losses for recent models (2022-2024), where 100 is the average of all passenger vehicles. The Nissan Frontier's results put our vehicle factor at 0.96× for liability, 0.93× for collision and 0.81× for comprehensive.

HLDI relative insurance losses — Nissan Frontier crew cab SWB (Small Pickups)
Coverage	Index	Rating	What it measures
Collision	92	Better than average	Damage to this car in crashes; driven by repair costs and crash frequency
Comprehensive	77	Much better than average	Theft, vandalism, glass, weather and animal damage
Property damage liability	94	Better than average	Damage this car does to other vehicles and property
Bodily injury liability	93	Better than average	Injuries to people in other vehicles (claim frequency)
Personal injury protection	87	Better than average	Injuries to occupants of this car (claim frequency)
Medical payments	99	Average	Injuries to occupants of this car (claim frequency)

HLDI results by body style / drivetrain (6)

Variant	Collision	Comprehensive	Prop. damage	Bodily injury
Nissan Frontier crew cab SWB	92	77	94	93
Nissan Frontier crew cab SWB 4WD	83	80	87	82
Nissan Frontier ext. cab 4WD	74	74	68	—
Nissan Frontier ext. cab	90	72	109	—
Nissan Frontier crew cab LWB 4WD	77	90	76	—
Nissan Frontier crew cab LWB	67	—	—	—

Repair and parts costs: Pickup truck — mainstream parts availability keeps repairs moderate.
Safety: 4-star NHTSA overall rating (frontal 3★, side 5★, rollover 3★) — better occupant protection lowers injury-claim costs.
Recalls & complaints: 3 NHTSA recall campaigns and 15 owner complaints across its latest three model years. Recalls don't change premiums directly, but open recalls should be fixed.

Nissan Frontier trims and configurations (2027)

Higher trims with bigger engines, all-wheel drive or more technology usually cost more to repair or replace, which raises collision and comprehensive premiums.

Configuration	Drive	Engine	MPG (comb.)
Frontier 2WD	RWD	3.8L 6-cyl	21
Frontier 4WD	4WD	3.8L 6-cyl	19
Frontier 4WD PRO4X	4WD	3.8L 6-cyl	18

Nissan Frontier insurance cost by model year

Older model years cost less to insure for full coverage because the car is worth less, so collision and comprehensive payouts are smaller. Liability costs stay about the same.

Model year	Engines	Drive	MPG	Est. full / yr
2027	3.8L 6-cyl	4WD, RWD	18–21	$1,480
2026	3.8L 6-cyl	4WD, RWD	18–21	$1,450
2025	3.8L 6-cyl	4WD, RWD	18–21	$1,425
2024	3.8L 6-cyl	4WD, RWD	19–21	$1,395
2023	3.8L 6-cyl	4WD, RWD	18–21	$1,365
2022	3.8L 6-cyl	4WD, RWD	19–20	$1,340
2021	3.8L 6-cyl	4WD, RWD	19–20	$1,310
2020	3.8L 6-cyl	4WD, RWD	19–20	$1,285
2019	2.5L 4-cyl, 4.0L 6-cyl	4WD, RWD	17–21	$1,255
2018	2.5L 4-cyl, 4.0L 6-cyl	4WD, RWD	17–21	$1,225
2017	2.5L 4-cyl, 4.0L 6-cyl	4WD, RWD	17–21	$1,200
2016	2.5L 4-cyl, 4.0L 6-cyl	4WD, RWD	17–21	$1,170
2015	2.5L 4-cyl, 4.0L 6-cyl	4WD, RWD	17–21	$1,170
2014	2.5L 4-cyl, 4.0L 6-cyl	4WD, RWD	17–21	$1,170
2013	2.5L 4-cyl, 4.0L 6-cyl	4WD, RWD	17–21	$1,170
2012	2.5L 4-cyl, 4.0L 6-cyl	4WD, RWD	16–21	$1,170
2011	2.5L 4-cyl, 4.0L 6-cyl	4WD, RWD	16–21	$1,170
2010	2.5L 4-cyl, 4.0L 6-cyl	4WD, RWD	16–21	$1,170
2009	2.5L 4-cyl, 4.0L 6-cyl	4WD/AWD, RWD	16–21	$1,170
2008	2.5L 4-cyl, 4.0L 6-cyl	4WD/AWD, RWD	16–21	$1,170

Nissan Frontier insurance cost by state

The same car can cost very different amounts to insure depending on where it is garaged. Select a state for its rules and city-level costs, or open the Frontier page for that state.

State	Full coverage	Minimum	vs. national	Frontier page
Alabama	$1,285	$460	−13%	Frontier in AL
Alaska	$1,295	$600	−13%	Frontier in AK
Arizona	$1,550	$635	+5%	Frontier in AZ
Arkansas	$1,295	$430	−13%	Frontier in AR
California	$1,455	$550	−2%	Frontier in CA
Colorado	$1,665	$625	+13%	Frontier in CO
Connecticut	$1,580	$685	+7%	Frontier in CT
Delaware	$1,660	$770	+12%	Frontier in DE
District of Columbia	$1,865	$715	+26%	Frontier in DC
Florida	$2,125	$1,035	+44%	Frontier in FL
Georgia	$1,840	$840	+24%	Frontier in GA
Hawaii	$1,020	$420	−31%	Frontier in HI
Idaho	$1,005	$385	−32%	Frontier in ID
Illinois	$1,280	$480	−14%	Frontier in IL
Indiana	$1,050	$390	−29%	Frontier in IN
Iowa	$990	$295	−33%	Frontier in IA
Kansas	$1,170	$385	−21%	Frontier in KS
Kentucky	$1,245	$505	−16%	Frontier in KY
Louisiana	$2,045	$760	+38%	Frontier in LA
Maine	$940	$410	−36%	Frontier in ME
Maryland	$1,665	$725	+13%	Frontier in MD
Massachusetts	$1,455	$570	−2%	Frontier in MA
Michigan	$1,610	$735	+9%	Frontier in MI
Minnesota	$1,225	$450	−17%	Frontier in MN
Mississippi	$1,405	$510	−5%	Frontier in MS
Missouri	$1,335	$490	−10%	Frontier in MO
Montana	$1,165	$380	−21%	Frontier in MT
Nebraska	$1,170	$385	−21%	Frontier in NE
Nevada	$1,710	$835	+16%	Frontier in NV
New Hampshire	$1,050	$385	−29%	Frontier in NH
New Jersey	$1,795	$900	+21%	Frontier in NJ
New Mexico	$1,325	$500	−10%	Frontier in NM
New York	$1,995	$895	+35%	Frontier in NY
North Carolina	$1,100	$430	−26%	Frontier in NC
North Dakota	$935	$265	−37%	Frontier in ND
Ohio	$1,055	$390	−29%	Frontier in OH
Oklahoma	$1,320	$455	−11%	Frontier in OK
Oregon	$1,335	$600	−10%	Frontier in OR
Pennsylvania	$1,285	$410	−13%	Frontier in PA
Rhode Island	$1,795	$790	+21%	Frontier in RI
South Carolina	$1,585	$705	+7%	Frontier in SC
South Dakota	$1,110	$305	−25%	Frontier in SD
Tennessee	$1,225	$435	−17%	Frontier in TN
Texas	$1,745	$665	+18%	Frontier in TX
Utah	$1,350	$630	−9%	Frontier in UT
Vermont	$955	$305	−35%	Frontier in VT
Virginia	$1,270	$600	−14%	Frontier in VA
Washington	$1,295	$565	−13%	Frontier in WA
West Virginia	$1,225	$420	−17%	Frontier in WV
Wisconsin	$1,005	$360	−32%	Frontier in WI
Wyoming	$1,135	$310	−23%	Frontier in WY

Nissan Frontier insurance by driver profile

Estimated annual Nissan Frontier premium by driver (national average rates)
Driver	Minimum	Standard	Full coverage	Full / month
Teen driver (18, own policy)	$1,620	$2,350	$4,070	$339
Young adult (22)	$945	$1,370	$2,365	$197
Adult in their 30s	$590	$855	$1,480	$123
Adult in their 50s	$545	$785	$1,360	$113
Senior (72)	$660	$960	$1,655	$138
30s, one at-fault accident	$855	$1,240	$2,145	$179
30s, DUI on record	$1,090	$1,580	$2,735	$228

Nissan Frontier vs. rivals

Model	Full coverage / yr	HLDI collision	HLDI comprehensive	Comparison
Nissan Frontier	$1,480	92	77	—
Toyota Tacoma	$1,375	87	86	Compare
Ford F-150	$1,580	92	84	Compare
Ford Ranger	$1,275	80	75	Compare

Estimate Nissan Frontier insurance for your ZIP code

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State ZIP code or city (optional) Driver age Vehicle make Model Coverage Driving record Annual mileage

Estimated annual premium

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Per month

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Other Nissan models

Kicks $1,600/yr
Murano $1,465/yr
Sentra $2,045/yr
Z $1,670/yr
Altima $1,995/yr
Ariya $1,500/yr
Armada $1,420/yr
Leaf $1,465/yr
Pathfinder $1,455/yr
Rogue $1,430/yr
Versa $1,825/yr
GT-R $1,775/yr
Titan $1,420/yr
Maxima $1,445/yr
Rogue Sport $1,315/yr
370Z $1,655/yr
NV200 $1,370/yr
Juke $1,195/yr
Quest $1,165/yr
Xterra $1,165/yr
Cube $1,190/yr
350Z $1,445/yr

All Nissan insurance costs →

Frequently asked questions

How much is insurance for a Nissan Frontier?

We estimate about $1,480 a year ($123 a month) for full coverage and $590 for state-minimum liability, for a driver in their 30s with a clean record at national-average rates. That is 7% less than the average vehicle.

Is the Nissan Frontier expensive to insure?

HLDI insurance-loss data rates it at 92 for collision and 77 for comprehensive losses (100 = average of all vehicles), meaning collision losses are better than average.

Which state is cheapest to insure a Nissan Frontier?

North Dakota has the lowest estimate (about $935 a year for full coverage) and Florida the highest (about $2,125).

What is the Nissan Frontier's NHTSA safety rating?

The 2026 Nissan Frontier earned 4 out of 5 stars overall in NHTSA crash testing. Better crash protection can lower injury-claim costs.

Is the Nissan Frontier cheaper to insure than the Toyota Tacoma?

By our estimate the Nissan Frontier costs about $1,480 a year versus $1,400 for the Toyota Tacoma, making the Toyota Tacoma cheaper to insure.

How much is Nissan Frontier insurance for a teen driver?

An 18-year-old on their own full-coverage policy would pay about $4,070 a year at national-average rates by our estimate.

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.

Sources used on this page