Nissan Frontier Car Insurance: How Much Should You Expect to Pay?

Quick Facts

• A Nissan Frontier costs less than most other trucks to insure.

• Full coverage auto insurance for a Frontier comes in at about $142 a month, on average, while liability only insurance typically tends to be around $72.

• FirstChicago is the cheapest insurance carrier for a Frontier.

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Frontier Overview

The Nissan Frontier is a great budget-friendly truck for drivers of all types, with base prices starting at just $29,340 for new 2022 models. With four different trim levels currently available, you'll drive off the dealership lot in style.

Based on thousands of car insurance quotes from Compare.com, we've found that Nissan Frontier auto insurance rates run about $152 per month, on average. But how does that stack up to other similar vehicles out there on the market?

How Much is Car Insurance for a Nissan Frontier?

Based on the table above, car insurance premiums for a Nissan Frontier are below average. On average, Frontier drivers will pay around $142 a month for full coverage, which has comprehensive and collision coverages in addition to liability, and about $72 per month for liability only insurance (discover more about the difference with our guide "State Minimum vs. Full Coverage").

Comparing it to other models, the Frontier is less expensive, with prices more than 10% lower than other vehicles in Nissan's lineup. Compared to truck offerings from other brands, insurance for a Frontier runs close to average, with liability insurance premiums coming in at $2 higher than other trucks and full coverage insurance prices at $6 cheaper.

Compared to all vehicles, regardless of make, model, or body style, the Frontier is more expensive for liability only insurance, but full coverage rates are less expensive.

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Who has the Cheapest Car Insurance for a Nissan Frontier?

Shopping around for a car insurance policy for your Nissan Frontier? You most likely want to know which company offers the most affordable prices. Even though costs will generally be pretty different from person to person, the most affordable average rates for liability only insurance are as cheap as just $24 monthly from Shelter Mutual. The runner up for lowest rates is Aspire, with car insurance policies starting as little as just $29 a month.

Completing the top 5 companies are Verti, NationalGeneral, and Clearcover. That being said, just because these five carriers offer the cheapest average rates doesn't necessarily mean they'll give you the best rates for your Nissan Frontier.

Auto insurance companies take a whole range of factors into consideration when calculating monthly premiums. By getting quotes from quite a few insurance carriers at once, you can be sure you're finding the most affordable rate.

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What Factors Affect Car Insurance Rates for a Nissan Frontier?

There are many variables that auto insurance companies take a look at to decide how much to charge for a policy -- and every carrier weighs certain factors more than others, so there's not a single company that's the lowest for each driver.

The sections below show a multitude of things car insurance carriers use to calculate rates:

Vehicle Age

The Nissan Frontier has been around for a while, so vehicle age will likely make a difference in what you end up paying for insurance. Usually, newer cars are going to cost more to insure because they're worth more, however, as time goes on and Frontiers begin to depreciate, insurance costs will gradually get lower.

From the table above, you can see the Nissan Frontier is in line with this trend, as the cheapest models to insure are those that are 11 to 14 years old, while on average, the most expensive models are Frontiers that are 2 to 3 years old.

Your Age

Age makes a big difference in how much you pay for auto insurance. Based on the information in the table above, older Frontier drivers have lower premiums than young Frontier drivers. Nissan Frontier drivers under 18 actually pay more than twice as much as those 25 or older.

Car insurance prices continue to go lower as you get older, with the cheapest age group being 55-64 for Frontier drivers.

Your Gender

Because women are less likely to get into accidents and get tickets, they run a lower risk of filing a claim with insurance. When it comes to Frontier drivers specifically, women pay about $69 per month for insurance and men pay around $74.

Where You Live

It may be obvious that variables such as how old you are and what vehicle you drive play a role in your auto insurance prices, but did you know that where you live is just as important? Since car insurance is regulated at the state level, rates can vary quite a bit depending on where you live.

For example, the average Nissan Frontier owner from New York pays about $123 monthly for liability coverage. Meanwhile, on average, the same Californian driver will pay less than 50% of that price. The table above shows average prices for the 10 largest states by population, just to give you a good idea of how much rates can change between states.

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Nissan Frontier Car Insurance Discounts

No matter your home state, your car, or your age, it's always important to take advantage of as many insurance discounts as possible.

While no two car insurance companies offer the same exact discounts, there are a few that you'll find with most insurers. These include discounts like:

• Vehicle safety discounts for having a vehicle with higher than average safety ratings or one with certain safety features (like air bags or anti-lock brakes)
• Defensive driving discounts for drivers who take a defensive driving class through an accredited school or institution
• Multi-policy discounts for bundling your home and auto policies with the same carrier
• Pay-in-full discounts for choosing to pay your entire policy rate at once, rather than by monthly payments

These are just a few of the discounts auto insurance carriers offer, and sometimes, the best way to get the cheapest rates is by strengthening your overall insurance profile that carriers look at. This includes things like avoiding lapses in coverage, not having recent insurance claims, and driving safely.

While you can't control every single aspect of your insurance profile (like some of the variables we mentioned above), you do have a say over some of it. Below are just a few of the things you can use in your favor when it comes to saving cash:

Your Driving Record

You've probably observed ads from car insurance companies offering large discounts for good drivers. And you probably wouldn't be surprised that if you get into a collision or get a speeding ticket, auto insurance premiums will go higher. But you're probably wondering exactly how much these infractions will cost you.

As you can tell from the table above, accidents will usually cost Frontier drivers less than tickets, but both will result in above average rates. Nissan Frontier drivers with one accident on their record pay about $89 every month (up $17 from the $72/mo. overall average), while drivers with a single ticket will pay an average of $93 a month. The rates only increase the more tickets you get or collisions you have.

How Much You Drive

How much you drive each year affects your car insurance prices. Those who are on the roads less often have fewer opportunities to get into an accident, so they'll normally end up paying less for insurance. In the table above, you can see that Nissan Frontier owners who drive 10,000 miles or more pay $71 for auto insurance, while those who drive fewer than 2,500 miles per year pay an average of $70 monthly.

If you work from home or drive less often than the average driver, you might consider getting a usage-based or pay-per-mile insurance policy. With these kinds of plans, you pay a small monthly amount, and your final monthly bill is calculated based on the number of miles you drove.

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How Do Nissan Frontiers Compare to Other Vehicles?

If you're considering purchasing a new vehicle and a Nissan Frontier is on your shortlist, you might be wondering how it compares to other cars. Insurance is just one cost that comes with buying a new car, but it's definitely one that's worth considering carefully.

Check out the table below to see how the Nissan Frontier compares:

Overall, the Nissan Frontier is a fantastic value when it comes to price, with an MSRP that's less than the going rate for a new vehicle. The Frontier has a base price of $32,140, which is much cheaper than the national average vehicle price of $42,283.

Full coverage insurance for a Nissan Frontier is around $7 per month more than average, while liability only coverage is per month.

When it comes to usage, Nissan Frontier owners drive about the same amount annually as the national average, with 10,890 miles a year compared to 11,660 for all vehicles.

Nissan Frontier Car Insurance Costs by Model Year

Thus far, you've seen how different factors affect how much the average driver pays for auto insurance. But if you're thinking about buying a new vehicle and the Frontier is one you're considering, having a good idea of exactly what you'll pay can be extremely valuable as you weigh your options.

That's why we've decided to break down Nissan Frontier car insurance premiums by model year. Simply choose a specific Frontier model year in the dropdown below and see average rates for both full coverage and liability only insurance, as well as some other helpful info, like base price, cheapest insurance company, and even available trims for each Frontier model year.

Choose Your Model

2021 Nissan Frontier Car Insurance 2020 Nissan Frontier Car Insurance 2019 Nissan Frontier Car Insurance 2018 Nissan Frontier Car Insurance 2017 Nissan Frontier Car Insurance 2016 Nissan Frontier Car Insurance 2015 Nissan Frontier Car Insurance 2014 Nissan Frontier Car Insurance 2013 Nissan Frontier Car Insurance 2012 Nissan Frontier Car Insurance 2011 Nissan Frontier Car Insurance 2010 Nissan Frontier Car Insurance

2021 Nissan Frontier Car Insurance

If you're in the market for a brand new Nissan Frontier, you've got options. A 2022 Nissan Frontier starts at about $29,340 for the base model, with four different trim levels to pick from.

When it comes to insuring a Frontier, on average, it costs around $100 a month to insure a 2021 Nissan Frontier for liability only and $108 per month for full coverage. And if you want the cheapest insurance possible, Kemper offers liability only policies for sometimes as little as $54 monthly.

Although it helps to know the average price drivers pay to insure a 2021 Frontier, you'll only find out exactly what you'll pay if you get a personalized quote. Luckily, with Compare.com you can compare quotes from a variety of carriers at once, all for free. To get started, just enter your ZIP code below.

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2020 Nissan Frontier Car Insurance

If you're looking to buy a 2020 Frontier or already own one, you can expect an average auto insurance premium of about $180 for full coverage or $104 for a liability only policy.

And if you're just looking for the lowest car insurance for your Frontier, Safeco offers liability only policies for as little as $23 per month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get free quotes in minutes.

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2019 Nissan Frontier Car Insurance

On average, drivers who own a 2019 Frontier can expect to pay $137 to $191 monthly for liability only and full coverage insurance, respectively.

With rates sometimes as cheap as $29 a month, DirectGeneral offered the cheapest policy we found.

Interested in exactly how much you'll pay? Enter your ZIP code below to get several customized quotes for free.

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2018 Nissan Frontier Car Insurance

The average cost to insure a 2018 Nissan Frontier with liability only coverage is $83 per month, while full coverage runs around $160 monthly.

With prices as low as just $27 a month, Mercury offered the most affordable policy we found for the 2018 Nissan Frontier.

These average premiums are a great starting point if you're in the market for a 2018 Nissan Frontier, but there are a whole range of different things that go into calculating your policy rates. If you want to figure out exactly what you'll be asked to pay, get customized quotes by entering your ZIP below.

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2017 Nissan Frontier Car Insurance

You can expect full coverage for a 2017 Frontier to run about $149 monthly, while liability only coverage will average around $68 a month.

We found MetLife offered the lowest policy, with rates as cheap as $23 per month.

And if you want more accurate rates tailored specifically to you, just enter your ZIP code below and get free quotes in minutes.

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2016 Nissan Frontier Car Insurance

2016 Nissan Frontier drivers can expect to pay an average of $75 monthly for liability or $152 for full coverage.

Mapfre has rates sometimes as low as $23 per month for the 2016 Nissan Frontier.

Want to find the best rates? Enter your ZIP code below to get lots of personalized quotes for free.

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2015 Nissan Frontier Car Insurance

It costs about $73 a month for liability or $146 for a full coverage policy for the 2015 Frontier.

If you're looking for the most affordable 2015 Nissan Frontier insurance policy, MetLife offered the cheapest policy we found, with rates as low as $26 monthly.

If you want to know just how much your price will be, just enter your ZIP code below and get several free quotes in minutes.

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2014 Nissan Frontier Car Insurance

On average, drivers who own a 2014 Nissan Frontier can expect to pay $67 to $133 per month for liability only and full coverage auto insurance, respectively.

MetLife offered the most affordable policy we found, with rates sometimes as little as $25 a month.

While these are good estimates of what the average driver might pay to insure a 2014 Nissan Frontier, these premiums might differ based on your driver profile. Just enter your ZIP code below, to get free personalized quotes in minutes.

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2013 Nissan Frontier Car Insurance

It costs around $76 per month for liability or $140 for a full coverage policy for the 2013 Frontier.

Looking for the lowest policy? MetLife offered liability only coverage for sometimes as low as $20 monthly.

If you want more accurate quotes of how much you can expect to pay, get free quotes in minutes by just entering your ZIP code below.

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2012 Nissan Frontier Car Insurance

The average cost to insure a 2012 Nissan Frontier with liability only coverage is $74 a month, while full coverage runs about $131 monthly.

With prices as low as just $23 a month, Sun Coast offered the most affordable policy we found for the 2012 Nissan Frontier.

Want to know exactly what your car insurance premium will be? Enter your ZIP code below to get multiple free customized quotes.

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2011 Nissan Frontier Car Insurance

2011 Frontier drivers can expect to pay an average of $71 per month for liability or $128 for full coverage.

Hugo offered the cheapest policy we found, with rates as little as just $17 a month.

If you want more accurate quotes of how much you can expect to pay, just enter your ZIP code below and get several free quotes in minutes.

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2010 Nissan Frontier Car Insurance

You can expect full coverage for a 2010 Nissan Frontier to run around $143 per month, while liability only coverage will average about $71 monthly.

If you're looking for the lowest possible 2010 Nissan Frontier insurance policy, Workmens offered the lowest policy we found, with rates as low as $26 a month.

Want something more accurate than national averages? Just enter your ZIP code below to get lots of customized quotes for free.

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Nissan Frontier Insurance FAQs

Is a Nissan Frontier expensive to insure?

Liability insurance runs an average of $72 per month, while full coverage will cost you around $142. When compared to the national average of all trucks, rates come in on the cheaper end of the spectrum.

How can I get the best price on car insurance for my Nissan Frontier?

There's only one way to make sure you're getting the cheapest rates -- regularly shopping around and getting quotes. Over time, your driver profile changes, which could change your rates, so it's recommended that you get quotes every 6 months or so. Luckily, sites like Compare.com let you compare prices from a whole bunch of companies at once, meaning you can find the most affordable rates (or guarantee you already have the best deal) in just a few minutes.

Does the color of my Nissan Frontier affect my insurance rates?

You've probably heard that it costs more to insure red cars than silver or white ones, but that's simply not true. There are a variety of factors insurance carriers look at when they decide how much to charge you, but your Nissan Frontier's color is not used to make that determination.

Do I need to have insurance before I buy a Nissan Frontier?

Before you can legally drive your new (or new to you) Frontier off the dealership lot, you'll need to have a valid auto insurance policy. Some dealerships will offer you one during the purchase process, but the easiest thing to do is to let your insurance carrier know ahead of time.

What car insurance discounts can I get for my Nissan Frontier?

You will find a ton of discounts out there when it comes to car insurance. Many of them (like "safe driver discounts" and "pay-in-full discounts") are based less on your vehicle and more on you, but if your Frontier has safety features like airbags, anti-lock brakes, anti-theft systems, and other features, it may be eligible for certain discounts. The only way to know is to get in touch with your insurance company and ask about which discounts they offer.