The Nissan Frontier is a midsize pickup truck that first debuted in the U.S. in 2004. The vehicle remains a popular choice today, and the 2026 Frontier is known for combining great towing and hauling specs with smooth handling, a comfortable ride, and the latest technology. No matter which type of Nissan Frontier you drive, it needs to be protected with the right car insurance.
When it's time to find the best Nissan Frontier insurance, an independent insurance agent can assist you. These agents know where to get the right Nissan insurance at a great rate. But first, here's a closer look at how much it costs to insure a Nissan Frontier by model year and top-rated insurance company in 2026.
Key Takeaways - Nissan Frontier Car Insurance
Nissan Frontier insurance costs an average of $2,011 per year, or approximately $168 per month, for full coverage in 2026.
Progressive, American Family, and Nationwide are the cheapest carriers for model-year 2025 Nissan Frontier insurance this year.
Your age, location, credit, trim level, and driving history are all major factors that can influence the cost of Nissan Frontier insurance.
Nissan Frontier insurance costs vary widely by state, with drivers in Wyoming paying an average of only $31 monthly for minimum coverage, while those in Louisiana pay $170.
Working with an independent insurance agent is highly recommended, as they can tailor a policy to meet the coverage needs of your unique Nissan Frontier model.
What Is Nissan Frontier Insurance?
Nissan Frontier insurance is a specialized car insurance policy that offers customized coverage for your specific vehicle. As a midsize pickup, the Frontier may require additional coverage beyond what standard cars need. However, the Frontier's average car insurance rates trend cheaper than those for similar pickups in its class.
Recommended coverage options for Nissan Frontier drivers:
- Liability insurance: This covers the cost of lawsuits and other expenses stemming from third-party claims of bodily injury or personal property damage caused by your vehicle.
- Collision insurance: This pays for damage to your car from a collision with another object, regardless of fault.
- Comprehensive insurance: This pays for damage to your car due to a non-collision event, such as a flood or theft.
- Medical payments coverage: This coverage pays for the cost of your injuries and those of your passengers after an accident, regardless of fault.
- Uninsured/underinsured motorist insurance: This coverage pays for expenses resulting from an accident involving a driver who is uninsured or underinsured, or after a hit-and-run.
- Personal injury protection: This coverage pays for the cost of your injuries and those of your passengers, as well as lost wages resulting from an accident, regardless of fault.
- Towing and roadside assistance coverage: This covers the cost of professional towing and roadside assistance services if your vehicle breaks down on the side of the road.
Add-on coverage options worth considering for a Nissan Frontier:
- Gap insurance: If you have a new or financed Nissan vehicle, this coverage can pay the difference in the amount owed on a loan or lease and the amount your insurance pays for your vehicle after a total covered loss.
- New car replacement coverage: This can cover the cost of replacing your vehicle with another of the same model if your car is stolen or totaled due to a covered cause within the first year of ownership.
- Nissan warranty insurance: This can extend Nissan's manufacturer warranty to cover the cost of future routine maintenance and repairs, where available.
- Accident forgiveness coverage: This coverage can help you avoid a car insurance premium rate increase following an accident.
- OEM parts coverage: This coverage can pay to replace your vehicle's parts with genuine Nissan parts during the repair process.
A local independent insurance agent can help you get set up with all the required auto insurance for your Nissan Frontier truck.
How Much Does Nissan Frontier Insurance Cost?
The average cost of car insurance for a Nissan Frontier is $2,011 per year, or approximately $168 per month, for full coverage. Minimum coverage for a Nissan Frontier costs an average of $1,041 annually, or approximately $87 monthly. However, several factors can influence the cost of Nissan insurance, including:
- The specific type of Frontier you drive
- Your driving history
- Your claims history
- Annual mileage
- The types and amount of coverage you need
- Vehicle safety features
- Your location
- Your credit score (where allowed)
An independent insurance agent can help you find the most affordable coverage, whether you're looking for Nissan Frontier full coverage insurance or a basic Nissan Frontier liability insurance policy.
Is the Nissan Frontier Expensive to Insure?
No, the Nissan Frontier isn't expensive to insure when compared to other Nissans and other pickup trucks in general. The table below compares average auto insurance rates for the Nissan Frontier with those for all Nissans and other trucks.
| Vehicle | Average Monthly Cost of Full Coverage |
| Nissan Frontier | $168 |
| All Nissans | $181 |
| All Trucks | $185 |
Average Nissan Frontier Insurance Rates Compared to Similar Vehicles
The Nissan Frontier's average monthly auto insurance rates are comparable with those of many similar trucks, including the Ram 1500, the GMC Canyon, and the Chevy Silverado 3500. The table below compares the Frontier's average monthly rates to those of similar pickup trucks.
| Vehicle | Average Monthly Cost of Car Insurance |
| Ford Ranger | $126 |
| GMC Canyon | $126 |
| Ram 1500 | $127 |
| Nissan Frontier | $127 |
| Chevrolet Silverado 3500 | $130 |
| GMC Sierra 3500 | $131 |
| Mitsubishi Raider | $135 |
Nissan Frontier Insurance Costs by Model Year
Next, we'll break down several model years of the Nissan Frontier and the average insurance costs for each.
| Model Year | Average Annual Cost of Car Insurance |
| 2026 Nissan Frontier* | $2,785 |
| 2025 Nissan Frontier | $1,192 |
| 2024 Nissan Frontier | $1,913 |
| 2023 Nissan Frontier | $759 |
| 2022 Nissan Frontier | $730 |
| 2021 Nissan Frontier | $809 |
| 2020 Nissan Frontier | $863 |
| 2019 Nissan Frontier | $615 |
| 2018 Nissan Frontier | $630 |
| 2017 Nissan Frontier | $537 |
| 2016 Nissan Frontier | $525 |
| 2015 Nissan Frontier | $534 |
| 2014 Nissan Frontier | $628 |
| 2013 Nissan Frontier | $641 |
| 2012 Nissan Frontier | $548 |
| 2011 Nissan Frontier | $515 |
| 2010 Nissan Frontier | $617 |
Note: The 2026 Frontier's average rates are a projection based on the evaluation of inflation trends and current market data.
Cheapest Nissan Frontier Car Insurance Companies for 2026
Many car insurance companies offer affordable Nissan Frontier insurance. These top-rated Nissan car insurance companies provide the cheapest model-year 2025 Frontier insurance in 2026.
| Top Car Insurance Companies | Average Annual Cost of Full Coverage |
| Progressive | $1,619 |
| American Family | $1,679 |
| Nationwide | $1,828 |
| USAA | $1,924 |
| Erie | $1,983 |
| Allstate | $3,773 |
Nissan Frontier Car Insurance Rates by State
Your location has a significant impact on the cost of auto insurance. Here are some average auto insurance rates for the Nissan Frontier by state for 2026.
| State | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| Alabama | $73 | $138 |
| Alaska | $60 | $128 |
| Arizona | $105 | $195 |
| Arkansas | $70 | $156 |
| California | $83 | $168 |
| Colorado | $83 | $198 |
| Connecticut | $120 | $206 |
| Delaware | $122 | $205 |
| Florida | $113 | $261 |
| Georgia | $128 | $211 |
| Hawaii | $46 | $102 |
| Idaho | $47 | $96 |
| Illinois | $80 | $148 |
| Indiana | $56 | $110 |
| Iowa | $47 | $114 |
| Kansas | $62 | $144 |
| Kentucky | $107 | $181 |
| Louisiana | $170 | $366 |
| Maine | $44 | $91 |
| Maryland | $133 | $224 |
| Massachusetts | $87 | $184 |
| Michigan | $129 | $248 |
| Minnesota | $69 | $141 |
| Mississippi | $73 | $145 |
| Missouri | $98 | $197 |
| Montana | $59 | $140 |
| Nebraska | $63 | $144 |
| Nevada | $158 | $285 |
| New Hampshire | $60 | $106 |
| New Jersey | $142 | $234 |
| New Mexico | $71 | $158 |
| New York | $109 | $196 |
| North Carolina | $69 | $135 |
| North Dakota | $49 | $107 |
| Ohio | $66 | $128 |
| Oklahoma | $78 | $174 |
| Oregon | $106 | $185 |
| Pennsylvania | $72 | $170 |
| Rhode Island | $108 | $191 |
| South Carolina | $88 | $164 |
| South Dakota | $44 | $134 |
| Tennessee | $68 | $137 |
| Texas | $110 | $225 |
| Utah | $94 | $160 |
| Vermont | $37 | $89 |
| Virginia | $83 | $134 |
| Washington | $81 | $150 |
| West Virginia | $72 | $147 |
| Wisconsin | $56 | $123 |
| Wyoming | $31 | $96 |
Average Nissan Frontier Insurance Rates by Trim Level
Auto insurance rates for the Nissan Frontier are also affected by the trim level. Here are some average Nissan Frontier insurance rates by trim level in 2026.
| Trim Level | Average Monthly Cost of Minimum Coverage | Average Monthly Cost of Full Coverage |
| King Cab S Pickup 2d 6 Ft | $69 | $134 |
| King Cab Se Pickup 2d 6 Ft | $69 | $134 |
| King Cab Xe | $70 | $135 |
| King Cab Xe Pickup 2d 6 Ft | $70 | $136 |
| Crew Cab Se Pickup 4d 5 Ft | $71 | $138 |
| Crew Cab Supercharged Long Bed | $72 | $139 |
| Crew Cab Se Pickup 4d 6 Ft | $72 | $140 |
| King Cab Le Pickup 2d 6 Ft | $73 | $140 |
| Crew Cab Supercharged Short Bed | $74 | $143 |
| King Cab Pickup | $75 | $143 |
| Crew Cab Se Long Bed 4d | $75 | $144 |
| King Cab Desert Runner Xe | $75 | $145 |
| King Cab Desert Runner Se | $76 | $146 |
| King Cab Pro-4x Pickup 2d 6 Ft | $76 | $147 |
| King Cab Nismo Pickup 2d 6 Ft | $76 | $147 |
| King Cab Sv Pickup 2d 6 Ft | $77 | $148 |
| Crew Cab Nismo Pickup 4d 5 Ft | $77 | $149 |
| King Cab Se | $77 | $149 |
| Crew Cab Xe Short Bed | $77 | $149 |
| King Cab Pickup 2d 6 Ft | $78 | $150 |
| King Cab Desert Runner Se Pickup 2d 6 Ft | $78 | $150 |
| King Cab Xe Short Bed | $78 | $151 |
| King Cab Supercharged | $79 | $152 |
| Crew Cab Xe 4d | $79 | $152 |
| Crew Cab Supercharged | $80 | $153 |
| Crew Cab Xe Pickup 4d 6 Ft | $80 | $154 |
| Crew Cab Xe Pickup 4d 4 1/2 Ft | $80 | $154 |
| Crew Cab Le Pickup 4d 6 Ft | $80 | $155 |
| Crew Cab Super Charger Pickup 4d 4 1/2 Ft | $80 | $155 |
| King Cab Desert Runner Xe Pickup 2d 6 Ft | $81 | $155 |
| Crew Cab Super Charger Pickup 4d 6 Ft | $81 | $156 |
| Crew Cab Le Pickup 4d 5 Ft | $82 | $157 |
| King Cab Se Short Bed | $82 | $158 |
| Crew Cab Se 4d | $83 | $159 |
| Crew Cab Le Pickup 4d 4 1/2 Ft | $83 | $160 |
| Crew Cab Se Short Bed | $84 | $162 |
| Crew Cab Sl (2017.5) Pickup 4d 5 Ft | $85 | $165 |
| King Cab Super Charger Pickup 2d 6 Ft | $85 | $164 |
| Crew Cab Sl (2017.5) Pickup 4d 6 Ft | $85 | $166 |
| King Cab S (2023.25) Pickup 2d 6 Ft | $86 | $166 |
| Crew Cab S Pickup 4d 5 Ft | $86 | $166 |
| Crew Cab Xe Long Bed | $86 | $166 |
| King Cab Sv (2017.5) Pickup 2d 6 Ft | $88 | $169 |
| Crew Cab Sv Pickup 4d 5 Ft | $88 | $171 |
| Crew Cab Se Pickup 4d 4 1/2 Ft | $89 | $171 |
| Crew Cab Sv Pickup 4d 6 Ft | $90 | $174 |
| King Cab S | $90 | $175 |
| Crew Cab Pro-X Pickup 4d 5 Ft | $90 | $175 |
| Crew Cab S | $92 | $179 |
| King Cab Sv (2023.25) Pickup 2d 6 Ft | $94 | $182 |
| Crew Cab S (2023.25) Pickup 4d 5 Ft | $94 | $182 |
| Crew Cab S (2017.5) Pickup 4d 5 Ft | $94 | $182 |
| King Cab Sv | $95 | $185 |
| Crew Cab Pro-4x Pickup 4d 5 Ft | $98 | $190 |
| Crew Cab Sv | $99 | $193 |
| Crew Cab Pro-X (2023.25) Pickup 4d 5 Ft | $100 | $193 |
| King Cab Desert Runner Pickup 2d 6 Ft | $100 | $194 |
| Crew Cab Desert Runner Pickup 4d 5 Ft | $101 | $195 |
| Crew Cab Sv (2017.5) Pickup 4d 5 Ft | $101 | $196 |
| Crew Cab Sv (2017.5) Pickup 4d 6 Ft | $102 | $197 |
| Crew Cab Sl Pickup 4d 5 Ft | $102 | $197 |
| Crew Cab Sv (2023.25) Pickup 4d 5 Ft | $102 | $198 |
| Crew Cab Sv (2023.25) Pickup 4d 6 Ft | $105 | $204 |
| Crew Cab Pro-X | $107 | $208 |
| King Cab Pro-4x Pickup 2d 6 Ft | $114 | $219 |
| Crew Cab Sl | $116 | $225 |
| Crew Cab Pro-4x | $117 | $226 |
| Crew Cab Pro-4x (2023.25) Pickup 4d 5 Ft | $117 | $228 |
| Crew Cab Sl Pickup 4d 6 Ft | $121 | $233 |
Average Nissan Frontier Insurance Rates by Driver Age and Profile
A driver's age, credit, and driving record also impact the cost of their car insurance premiums. Teens and young drivers pay the highest average insurance rates for a Nissan Frontier. Auto insurance rates tend to decline considerably starting around age 25.
However, once a driver reaches about age 65, auto insurance rates begin to climb through their senior years. Here are some average Nissan Frontier insurance rates by driver age and profile for 2026.
| Driver Age | Clean Record | Accident on Record | Poor Credit |
| 18 | $7,078 | $10,397 | $12,184 |
| 20 | $5,504 | $8,003 | $9,392 |
| 25 | $3,197 | $4,669 | $5,476 |
| 30 | $2,505 | $3,668 | $4,284 |
| 35 | $2,360 | $3,422 | $4,030 |
| 40 | $2,225 | $3,301 | $3,860 |
| 45 | $2,165 | $3,206 | $3,741 |
| 55 | $2,028 | $2,948 | $3,435 |
| 65 | $2,047 | $3,067 | $3,614 |
| 75 | $2,621 | $3,855 | $4,564 |
Best Nissan Frontier Insurance Discounts: How to Lower Your Nissan Frontier Insurance Premiums
Want to save even more money on Nissan Frontier insurance? Just follow any of these easy steps:
- Work with an independent insurance agent: A local independent insurance agent can find the cheapest Nissan Frontier insurance from a trusted carrier near you.
- Ask about telematics programs: Your insurance company or Nissan may offer programs that track your driving habits or vehicle usage to help reduce your insurance rates.
- Choose a higher deductible: Selecting a higher deductible can lower your car insurance premium rates, but keep in mind that you'll have to pay more each time you file a claim.
- Ask about Nissan Frontier insurance discounts: Most car insurance companies offer discounts for bundling policies, insuring multiple vehicles, maintaining low annual mileage, and storing your vehicle in a garage.
- Maintain a clean driving record: Avoid accidents, tickets, and other traffic violations to earn good driver discounts and possibly reduce your premium rates.
- Compare quotes from multiple carriers: Comparing Nissan Frontier insurance quotes from multiple carriers in your area can help you find the best rate for your coverage.
A local independent insurance agent can compare Nissan Frontier pickup truck insurance quotes from several top-rated insurers near you to find the best deal. They can also recommend additional tips that can reduce your premiums even further.
An Independent Insurance Agent Can Help You Get the Best Nissan Frontier Insurance Quotes
When it's time to find the most affordable Nissan Frontier insurance, no one's better equipped to help than a local independent insurance agent. Your agent knows which local carriers deliver the best overall blend of Nissan Frontier insurance coverage and cost.
Even better, they'll help you score any discounts you're eligible for to bring your premium rates down even further. And down the road, your agent will still be there to help you file car insurance claims or update your coverage when necessary.
FAQs About Nissan Frontier Insurance
How much does Nissan Frontier insurance cost per year?
The average annual cost of full coverage for a Nissan Frontier is $2,011 per year, or approximately $168 per month, for full coverage. However, the cost of your specific policy can vary depending on many factors, such as your age, location, and more.
Which factors can increase Nissan Frontier insurance premiums?
Having traffic violations or accidents on your record, poor credit, prior claims, or living in a high-theft rate area can all increase the cost of Nissan Frontier auto insurance.
Is the Nissan Frontier expensive to insure?
No, the Nissan Frontier isn't expensive to insure when compared to other pickup trucks and other Nissan vehicles.
What are the best and cheapest carriers for Nissan Frontier insurance in 2026?
We found that Progressive, American Family, and Nationwide are the best and cheapest car insurance companies for model-year 2025 Nissan Frontier insurance this year.
Is insurance cheaper for the Nissan Frontier than for other Nissans?
Yes, the Nissan Frontier's average monthly car insurance rate of $168 is lower than the $181 average for other Nissan vehicles.
How can I get cheaper Nissan Frontier insurance?
Finding cheaper Nissan Frontier insurance is easy when you work with an independent insurance agent, who can shop and compare quotes from multiple carriers in your area. You can also ask about car insurance discounts, maintain a clean driving record, and keep your credit in good standing to keep your rates low.
Sources
https://www.insuranceopedia.com/auto-insurance/nissan-frontier-car-insurance
https://www.thezebra.com/auto-insurance/vehicles/nissan/frontier/
https://www.moneygeek.com/insurance/auto/nissan-frontier-insurance/