Nissan Frontier Insurance Cost for 2023

How much does Nissan Frontier car insurance cost?

We looked at prices from the S Crew Cab 2WD model up to the top tier SV King Cab 4WD trim level to see how Frontier insurance measures up to competing midsize trucks.

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  • Nissan Frontier insurance costs $1,522 per year for a full coverage policy, depending on the trim level.
  • The cheapest Nissan Frontier insurance is on the S Crew Cab 2WD trim level at an estimated $1,434 per year.
  • The Frontier SV King Cab 4WD is the most expensive to insure at $1,592 per year.
  • The Nissan Frontier is one of the cheaper midsize trucks to insure, costing $144 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 $1,522 annually for full coverage. Average Nissan Frontier insurance cost per month ranges from $120 to $133 depending on the trim level.

Drivers can expect to pay approximately $144 less each year to insure a Nissan Frontier compared to the average rate for midsize trucks, and $163 less per year than the $1,685 national average.

The following chart shows average car insurance rates for a 2023 Nissan Frontier rated for different driver ages and risk profiles.

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Chart Data Details: Average rates are for a 2023 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 January 23, 2023
Nissan Frontier Insurance Cost Summary
2023 Nissan Frontier Insurance Cost Summary
Driver Risk Profile Annual Rate Monthly Rate
High Risk Driver Age 30$3,438$287
Safe Driver Age 20$3,012$251
At-fault Accidents Age 40$2,146$179
Low Deductibles Age 40$1,966$164
Safe Driver Age 30$1,602$134
Safe Driver Age 40$1,522$127
Safe Driver Age 50$1,388$116
Safe Driver Age 60$1,362$114
High Deductibles Age 40$1,292$108
Discount Rate Age 40$1,266$106

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 $11,554 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 2023 model years.

Nissan Frontier Insurance Cost by Model Year
Model Year and Vehicle Driver Age 20 Driver Age 40 Driver Age 60
2023 Nissan Frontier$3,012$1,522$1,362
2022 Nissan Frontier$3,146$1,576$1,412
2021 Nissan Frontier$2,886$1,450$1,296
2020 Nissan Frontier$2,852$1,430$1,280
2019 Nissan Frontier$2,790$1,398$1,252
2018 Nissan Frontier$2,756$1,380$1,238
2017 Nissan Frontier$2,626$1,314$1,178
2016 Nissan Frontier$2,372$1,188$1,066
2015 Nissan Frontier$2,372$1,200$1,072
2014 Nissan Frontier$2,502$1,260$1,132
2013 Nissan Frontier$2,020$1,020$918

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Table Data Details: Average rates for each driver age group are for a 12-month period and assume a 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 January 23, 2023
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 Crew Cab 2WD at an estimated $1,434 per year, or about $120 per month. The next cheapest trim is the SV Crew Cab 2WD also at $1,482 per year, and the third cheapest model to insure is the S Crew Cab 4WD at $1,486 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 SV King Cab 4WD trim levels at an estimated $1,558,  $1,560, and $1,592 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 2023 model year.

2023 Nissan Frontier Insurance Cost by Trim Level
Nissan Frontier Trim Level Annual Policy Six-Month Policy Per Month
S Crew Cab 2WD$1,434$717$120
SV Crew Cab 2WD$1,482$741$124
S Crew Cab 4WD$1,486$743$124
S King Cab 2WD$1,492$746$124
SV Crew Cab 4WD$1,524$762$127
SV Crew Cab Long Bed 2WD$1,524$762$127
SV King Cab 2WD$1,544$772$129
Midnight Edition Crew Cab 4WD$1,546$773$129
S King Cab 4WD$1,550$775$129
PRO-4X Crew Cab 4WD$1,558$779$130
SV Crew Cab Long Bed 4WD$1,560$780$130
SV King Cab 4WD$1,592$796$133

Get Rates in Your AreaWhy is this important?

Table Data Details: Average rates are for a 2023 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 February 5, 2023
Nissan Frontier Insurance Cost by Trim Level

How do rates compare to other midsize pickups?

The Nissan Frontier ranks third out of 10 total comparison vehicles in the 2023 midsize truck segment. The Frontier costs an estimated $1,522 per year to insure for full coverage, while the category average rate is $1,666 annually, a difference of $144 per year.

When rates are compared to the most popular models in the midsize truck segment, insurance for a Nissan Frontier costs $92 less per year than the Toyota Tacoma, $52 more than the Chevrolet Colorado, $44 less than the Ford Ranger, and $312 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 2023 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 January 23, 2023
Nissan Frontier vs Midsize Trucks Insurance Cost Comparison
Nissan Frontier Insurance Cost Compared to All Midsize Trucks
Rank Make/Model Insurance Cost Difference
1Ford Maverick$1,464-$58
2Chevrolet Colorado$1,470-$52
3Nissan Frontier$1,522--
4Ford Ranger$1,566$44
5GMC Canyon$1,602$80
6Toyota Tacoma$1,614$92
7Hyundai Santa Cruz$1,640$118
8Honda Ridgeline$1,752$230
9Jeep Gladiator$1,834$312
10Rivian R1T$2,194$672

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 $1,836 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 $256 per year on Nissan Frontier insurance.
  • Careless drivers spend more for insurance. Causing frequent accidents will increase insurance cost, to the tune of $2,114 per year for a 20-year-old driver and even as much as $488 per year for a 50-year-old driver.
  • Frontier insurance rates for teenagers are high. Average rates for full coverage Frontier insurance costs $5,460 per year for a 16-year-old driver, $5,090 per year for a 17-year-old driver, and $4,748 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 ($1,362 per year) and a 30-year-old driver ($1,602 per year) is $240, or a savings of 15%.
  • Increase physical damage deductibles to save money. Increasing your deductibles from $500 to $1,000 could save around $230 per year for a 40-year-old driver and $444 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 $238 per year for a 40-year-old driver and $470 per year for a 20-year-old driver.