Nissan Frontier Insurance Cost for 2022

How much does Nissan Frontier car insurance cost? We checked average rates from the base S King Cab up to the SL Crew Cab trim level to see how the Frontier ranks against other midsize trucks.

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  • Nissan Frontier insurance costs $1,452 per year for a full coverage policy, depending on the trim level.
  • The cheapest Nissan Frontier insurance is on the S King Cab 4WD trim level at an estimated $1,392 per year.
  • The Frontier PRO-X Crew Cab 2WD is the most expensive to insure at $1,512 per year.
  • The Nissan Frontier is one of the cheaper midsize trucks to insure, costing $12 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 $1,452 annually for full coverage. Average Nissan Frontier insurance cost per month ranges from $116 to $126 depending on the trim level.

Drivers can expect to pay approximately $12 less each year to insure a Nissan Frontier compared to the average rate for midsize trucks, and $115 less per year than the $1,567 national average.

The following chart shows average car insurance rates for a 2022 Nissan Frontier rated for different driver ages and risk profiles.

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Chart Data Details: Average rates are for a 2022 model year Nissan Frontier with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others. Physical damage deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Rates are averaged across all U.S. states and all Nissan Frontier trim levels.Data last updated on September 13, 2022
Nissan Frontier Insurance Cost Summary
Nissan Frontier Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,302$275
Safe Driver Age 20$2,892$241
At-fault Accidents Age 40$2,052$171
Low Deductibles Age 40$1,886$157
Safe Driver Age 30$1,528$127
Safe Driver Age 40$1,452$121
Safe Driver Age 50$1,324$110
Safe Driver Age 60$1,300$108
High Deductibles Age 40$1,230$103
Discount Rate Age 40$1,206$101

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 $11,824 a year for a policy that provides full coverage.

Due to this amount of rate variation, the recommended way to see if your 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 the 2013 to 2022 model years.

Nissan Frontier Insurance Cost for 2013-2022 Models
Model Year Driver Age 20 Age 30 Age 40 Age 50 Age 60
2022$2,892$1,528$1,452$1,324$1,300
2021$2,640$1,388$1,326$1,208$1,188
2020$2,596$1,364$1,302$1,188$1,168
2019$2,566$1,344$1,286$1,174$1,154
2018$2,534$1,326$1,270$1,160$1,138
2017$2,440$1,274$1,222$1,116$1,096
2016$2,200$1,146$1,102$1,008$990
2015$2,228$1,164$1,124$1,028$1,006
2014$2,320$1,206$1,172$1,072$1,050
2013$1,876$978$946$868$852

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Table Data Details: Average rates assume clean driving record and no at-fault accidents. Full coverage physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 13, 2022
Nissan Frontier Insurance Cost by Model Year

What is the cheapest Nissan Frontier insurance?

The cheapest model of Nissan Frontier to insure is the S King Cab 4WD at an estimated $1,392 per year, or about $116 per month. The next cheapest trim is the S King Cab 2WD also at $1,406 per year, and the third cheapest model to insure is the S Crew Cab 4WD at $1,410 per year.

For the more expensive models, the three highest cost Frontier trim levels to insure are the Nissan Frontier SV Crew Cab 2WD, the SV Crew Cab Long Bed 2WD, and the PRO-X Crew Cab 2WD trim levels at an estimated $1,480,  $1,508, and $1,512 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 2022 model year.

2022 Nissan Frontier Insurance Cost by Trim Level
Nissan Frontier Trim Level Annual Policy 6-month Policy Per Month
S King Cab 4WD$1,392$696$116
S King Cab 2WD$1,406$703$117
S Crew Cab 4WD$1,410$705$118
S Crew Cab 2WD$1,434$717$120
SV King Cab 4WD$1,434$717$120
SV Crew Cab 4WD$1,450$725$121
SV King Cab 2WD$1,458$729$122
SV Crew Cab Long Bed 4WD$1,474$737$123
PRO-4X Crew Cab 4WD$1,476$738$123
SV Crew Cab 2WD$1,480$740$123
SV Crew Cab Long Bed 2WD$1,508$754$126
PRO-X Crew Cab 2WD$1,512$756$126

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2022 Nissan Frontier, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 13, 2022
Nissan Frontier Insurance Cost by Trim Level

How do rates compare to other midsize pickups?

The Nissan Frontier ranks #5 out of 10 total comparison vehicles in the 2022 midsize truck segment. The Frontier costs an estimated $1,452 per year to insure for full coverage, while the category average rate is $1,464 annually, a difference of $12 per year.

When rates are compared to the most popular models in the midsize truck segment, insurance for a Nissan Frontier costs $38 more per year than the Toyota Tacoma, $196 more than the Chevrolet Colorado, $98 more than the Ford Ranger, and $46 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.

Get Rates in Your AreaWhy is this important?

Chart Data Details: Average rates are for a 2022 model year Nissan Frontier, 40-year-old married male driver with a clean driving record and no at-fault accidents. Safe driver and claim-free discounts are applied to policy premium, which is averaged for all Nissan Frontier trim levels. Physical damage deductibles are $500 and rates are averaged for all U.S. states.Data last updated on September 13, 2022
Nissan Frontier vs Midsize Trucks Insurance Cost Comparison
Nissan Frontier Insurance Cost Compared to All Midsize Trucks
Rank Make/Model Insurance Cost Difference
1Chevrolet Colorado$1,256-$196
2Ford Maverick$1,304-$148
3Ford Ranger$1,354-$98
4Toyota Tacoma$1,414-$38
5Nissan Frontier$1,452--
6Hyundai Santa Cruz$1,464$12
7GMC Canyon$1,470$18
8Honda Ridgeline$1,486$34
9Jeep Gladiator$1,498$46
10Rivian R1T$1,938$486

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 $1,774 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 many other policy discounts which could save the average driver as much as $246 per year on Nissan Frontier insurance.
  • Careless drivers spend more for insurance. Causing frequent accidents will increase insurance cost, to the tune of $2,040 per year for a 20-year-old driver and even as much as $472 per year for a 50-year-old driver.
  • Frontier insurance rates for teenagers are high. Average rates for full coverage Frontier insurance costs $5,242 per year for a 16-year-old driver, $4,896 per year for a 17-year-old driver, and $4,568 per year for a 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 ($1,300 per year) and a 30-year-old driver ($1,528 per year) is $228, or a savings of 14.9%.
  • Increase physical damage deductibles to save money. Increasing your deductibles from $500 to $1,000 could save around $222 per year for a 40-year-old driver and $432 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 $234 per year for a 40-year-old driver and $460 per year for a 20-year-old driver.