- Nissan Frontier insurance costs $2,270 per year for a full coverage policy, depending on the trim level.
- The cheapest Nissan Frontier insurance is on the S King Cab 2WD trim level at an estimated $2,014 per year.
- The Frontier Hardbody Edition 4WD is the most expensive to insure at $2,524 per year.
- The Nissan Frontier is one of the cheaper midsize trucks to insure, costing $152 less per year on average when compared to other midsize trucks.
How much does Nissan Frontier insurance cost?
Nissan Frontier car insurance costs on average $2,270 annually for full coverage. Average Nissan Frontier insurance cost per month ranges from $168 to $210 depending on the trim level.
Drivers can expect to pay approximately $152 less each year to insure a Nissan Frontier compared to the average rate for midsize trucks, and $6 less per year than the $2,276 national average.
The following chart shows average car insurance rates for a 2024 Nissan Frontier rated for different driver ages and risk profiles.
To help you comprehend how variable insurance rates are for a Frontier, consider that liability-only insurance for a Nissan Frontier in the cheaper areas of Wisconsin or Illinois can cost around $225 a year, while insurance cost for a 16-year-old driver with an accident or two in some areas in California might be as much as $16,450 a year for a policy that provides full coverage.
Due to this amount of rate variation, the recommended way to see if you’re currently paying a good rate, or to compare rates for a newly acquired Nissan Frontier, is to get free rate quotes.
The following table shows average Nissan Frontier car insurance rates for 2013 to 2024 model years.
| Model Year and Vehicle | Driver Age 20 | Driver Age 40 | Driver Age 60 |
|---|---|---|---|
| 2024 Nissan Frontier | $4,580 | $2,270 | $1,888 |
| 2023 Nissan Frontier | $4,028 | $2,012 | $1,676 |
| 2022 Nissan Frontier | $4,216 | $2,084 | $1,734 |
| 2021 Nissan Frontier | $3,864 | $1,914 | $1,596 |
| 2020 Nissan Frontier | $3,754 | $1,858 | $1,550 |
| 2019 Nissan Frontier | $3,652 | $1,804 | $1,508 |
| 2018 Nissan Frontier | $3,534 | $1,748 | $1,460 |
| 2017 Nissan Frontier | $3,362 | $1,662 | $1,390 |
| 2016 Nissan Frontier | $2,966 | $1,468 | $1,232 |
| 2015 Nissan Frontier | $2,948 | $1,470 | $1,238 |
| 2014 Nissan Frontier | $3,112 | $1,548 | $1,304 |
| 2013 Nissan Frontier | $2,520 | $1,262 | $1,060 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Premiums are averaged for all Nissan Frontier trim levels for each model year. Updated October 24, 2025
What is the cheapest Nissan Frontier insurance?
The cheapest model of Nissan Frontier to insure is the S King Cab 2WD at an estimated $2,014 per year, or about $168 per month. The next cheapest trim is the S Crew Cab 2WD also at $2,048 per year, and the third cheapest model to insure is the SV King Cab 2WD at $2,090 per year.
For the more expensive models, the three highest cost Frontier trim levels to insure are the Nissan Frontier PRO-4X Crew Cab 4WD, the SV Crew Cab Long Bed 4WD, and the Hardbody Edition 4WD trim levels at an estimated $2,452, $2,458, and $2,524 per year, respectively.
The rate table below displays average annual and 6-month insurance policy costs, in addition to a monthly budget estimate, for each Nissan Frontier package and trim level available for the 2024 model year.
| 2024 Nissan Frontier Trim Level | Annual Premium | Cost Per Month |
|---|---|---|
| S King Cab 2WD | $2,014 | $168 |
| S Crew Cab 2WD | $2,048 | $171 |
| SV King Cab 2WD | $2,090 | $174 |
| SV Crew Cab 2WD | $2,120 | $177 |
| PRO-4X Crew Cab 2WD | $2,176 | $181 |
| SV Crew Cab Long Bed 2WD | $2,184 | $182 |
| S King Cab 4WD | $2,320 | $193 |
| S Crew Cab 4WD | $2,346 | $196 |
| SV King Cab 4WD | $2,382 | $199 |
| SV Crew Cab 4WD | $2,404 | $200 |
| PRO-4X Crew Cab 4WD | $2,452 | $204 |
| SV Crew Cab Long Bed 4WD | $2,458 | $205 |
| Hardbody Edition 4WD | $2,524 | $210 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Updated October 24, 2025
How do rates compare to other midsize pickups?
The Nissan Frontier ranks second out of 10 total comparison vehicles in the 2024 midsize truck segment. The Frontier costs an estimated $2,270 per year to insure for full coverage, while the category average rate is $2,422 annually, a difference of $152 per year.
When rates are compared to the most popular models in the midsize truck segment, insurance for a Nissan Frontier costs $158 less per year than the Toyota Tacoma, $156 more than the Chevrolet Colorado, $22 less than the Ford Ranger, and $258 less than the Jeep Gladiator.
The chart below shows how well Nissan Frontier car insurance rates compare to the trucks mentioned earlier, plus the Honda Ridgeline and GMC Canyon models.
Additional observations and interesting situations that can impact Frontier insurance rates include:
- High-risk drivers pay extremely high rates. For a 30-year-old driver, having a high frequency of accidents or violations could trigger a rate increase of $2,828 or more per year.
- Earn policy discounts to save money. Discounts may be available if the insured drivers are good students, are senior citizens, insure multiple vehicles on the same policy, belong to certain professional organizations, or other policy discounts which could save the average driver as much as $388 per year on Nissan Frontier insurance.
- Careless drivers spend more on insurance. Causing frequent accidents will increase insurance costs, to the tune of $3,270 per year for a 20-year-old driver and even as much as $704 per year for a 50-year-old driver.
- Frontier insurance rates for teenagers are high. Average rates for full coverage Frontier insurance costs $8,190 per year for a 16-year-old driver, $7,911 per year for a 17-year-old driver, and $7,047 per year for an 18-year-old driver.
- Older drivers tend to pay less than younger drivers. The difference in Frontier insurance cost between a 60-year-old driver ($1,888 per year) and a 30-year-old driver ($2,414 per year) is $526, or a savings of 24.5%.
- Increase physical damage deductibles to save money. Increasing your deductibles from $500 to $1,000 could save around $344 per year for a 40-year-old driver and $672 per year for a 20-year-old driver.
- Decreasing deductibles will cost more. Dropping your physical damage deductibles from $500 to $250 could cost an additional $358 per year for a 40-year-old driver and $710 per year for a 20-year-old driver.