Are you considering insuring your Nissan Frontier in 2025 and wondering how much it might cost? You’re in the right place. Car insurance rates for the Nissan Frontier can vary widely based on factors such as your location, driving history, and vehicle model year.
A 2023 Nissan Frontier typically costs around $2,158 per year to insure, although prices vary widely for older models. For example, a 2021 Frontier costs $2,025 annually, whereas you’ll pay $1,871 annually for a 2018 model (on average).
In this guide, we’ll explore the costs and offer tips on securing the best insurance rates for your Nissan Frontier.
What is the cost to insure your Nissan Frontier in 2025?
The average cost to insure a Nissan Frontier is $184 per month, or $2,209 per year for a full coverage policy. However, your actual rate may differ depending on factors like your age, where you live, the level of coverage you choose, your driving history and the insurance company.
Your rates may be higher if you’re a young driver or have a history of accidents. On the other hand, experienced drivers with a clean driving record might pay lower premiums for the same policy. Other factors, such as your state and ZIP code, also influence premiums. Insurance costs also vary by state and ZIP code.
Use the tool below to know car insurance costs based on your state and the car’s make and model.
Insurance rates by car model
Check out our detailed guide on car insurance rates by car model
Which companies offer the cheapest rates for Nissan Frontier
Nationwide offers the cheapest car insurance rates for Nissan Frontier at an average annual cost of $1,770 a year or $148 monthly, based on CarInsurance.com’s rate analysis.
The table below highlights top insurance providers with the best rates for your Nissan Frontier
| Company | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Nationwide | $1,770 | $885 | $148 |
| State Farm | $1,772 | $886 | $148 |
| Geico | $1,840 | $920 | $153 |
| Progressive | $2,080 | $1,040 | $173 |
| Farmers | $2,853 | $1,427 | $238 |
| Allstate | $3,034 | $1,517 | $253 |
Explore our expert guide to the cheapest cars to insure in 2025
Compare Nissan Frontier car insurance rates by model year
Newer cars have higher insurance premiums due to higher market value and pricier repair expenses. For example, the insurance cost for a 2023 Nissan Frontier will typically be more expensive than that of a 2019 model. However, older vehicles may lack advanced safety technologies, affecting insurance rates.
The table below shows the average annual insurance costs for various model years of the Nissan Frontier, helping you understand how insurance premiums vary with the car’s age.
| Model year | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| 2014 | $1,635 | $817 | $136 |
| 2015 | $1,697 | $848 | $141 |
| 2016 | $1,741 | $871 | $145 |
| 2017 | $1,817 | $908 | $151 |
| 2018 | $1,871 | $935 | $156 |
| 2019 | $1,947 | $974 | $162 |
| 2020 | $1,978 | $989 | $165 |
| 2021 | $2,025 | $1,012 | $169 |
| 2022 | $2,091 | $1,046 | $174 |
| 2023 | $2,158 | $1,079 | $180 |
Nissan Frontier car insurance rates for different trims
When it comes to insuring a Nissan Frontier, the trim level can significantly influence the insurance rates. Different trims come with various features, safety equipment and price points, which contribute to the insurance cost.
For instance, higher-end trims, such as the Frontier SL, equipped with advanced technologies, usually have higher insurance rates due to increased repair and replacement costs.
The table below shows the average annual insurance premiums for various trims of the Nissan Frontier.
| Vehicle trim | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Frontier S | $2,174 | $1,087 | $181 |
| Frontier SV | $2,192 | $1,096 | $183 |
| Frontier Pro-4X | $2,236 | $1,118 | $186 |
| Frontier Pro-X | $2,261 | $1,130 | $188 |
| Frontier SL | $2,284 | $1,142 | $190 |
Nissan Frontier insurance rates: State-by-state breakdown
The cost to insure a Nissan Frontier can vary widely from state to state due to differences in state laws, average repair costs and car theft or accident rates.
Find the Nissan Frontier car insurance rates for different states in the table below.
| State | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Alaska | $2,162 | $1,081 | $180 |
| Alabama | $2,126 | $1,063 | $177 |
| Arkansas | $2,264 | $1,132 | $189 |
| Arizona | $2,184 | $1,092 | $182 |
| California | $2,787 | $1,394 | $232 |
| Colorado | $2,898 | $1,449 | $241 |
| Connecticut | $2,386 | $1,193 | $199 |
| Washington, D.C. | $2,561 | $1,280 | $213 |
| Delaware | $2,205 | $1,102 | $184 |
| Florida | $2,752 | $1,376 | $229 |
| Georgia | $2,901 | $1,451 | $242 |
| Hawaii | $1,432 | $716 | $119 |
| Iowa | $1,822 | $911 | $152 |
| Idaho | $1,459 | $730 | $122 |
| Illinois | $2,205 | $1,102 | $184 |
| Indiana | $1,983 | $992 | $165 |
| Kansas | $2,236 | $1,118 | $186 |
| Kentucky | $2,765 | $1,383 | $230 |
| Louisiana | $3,667 | $1,833 | $306 |
| Massachusetts | $1,902 | $951 | $158 |
| Maryland | $2,034 | $1,017 | $170 |
| Maine | $1,593 | $797 | $133 |
| Michigan | $2,777 | $1,388 | $231 |
| Minnesota | $2,415 | $1,207 | $201 |
| Missouri | $2,664 | $1,332 | $222 |
| Mississippi | $2,217 | $1,109 | $185 |
| Montana | $2,242 | $1,121 | $187 |
| North Carolina | $1,845 | $923 | $154 |
| North Dakota | $1,912 | $956 | $159 |
| Nebraska | $2,383 | $1,191 | $199 |
| New Hampshire | $1,609 | $804 | $134 |
| New Jersey | $2,136 | $1,068 | $178 |
| New Mexico | $2,290 | $1,145 | $191 |
| Nevada | $2,124 | $1,062 | $177 |
| New York | $1,637 | $819 | $136 |
| Ohio | $1,609 | $805 | $134 |
| Oklahoma | $2,404 | $1,202 | $200 |
| Oregon | $2,180 | $1,090 | $182 |
| Pennsylvania | $2,329 | $1,165 | $194 |
| Rhode Island | $2,610 | $1,305 | $217 |
| South Carolina | $2,068 | $1,034 | $172 |
| South Dakota | $2,529 | $1,265 | $211 |
| Tennessee | $2,240 | $1,120 | $187 |
| Texas | $3,163 | $1,582 | $264 |
| Utah | $1,859 | $930 | $155 |
| Virginia | $1,667 | $834 | $139 |
| Vermont | $1,608 | $804 | $134 |
| Washington | $1,958 | $979 | $163 |
| Wisconsin | $1,627 | $814 | $136 |
| West Virginia | $2,151 | $1,075 | $179 |
| Wyoming | $2,169 | $1,084 | $181 |
How your age impacts Nissan Frontier insurance rates
Drivers under 25 often see higher insurance rates due to their inexperience and higher risk of car accidents. As individuals age and get more experience behind the wheel, their rates usually drop. However, for older drivers, insurance costs can increase again due to age-related risks.
In 2022, the National Highway Traffic Safety Administration (NHTSA) reported that 2,034 drivers aged 15 to 20 died in traffic crashes.
The table below shows the average annual insurance rates by age group.
| Age | Annual rates | Six-month rates | Monthly rates |
|---|---|---|---|
| Teens | $8,212 | $4,106 | $684 |
| Adults | $2,209 | $1,104 | $184 |
The bottom line
It’s essential to know how much it will cost to insure your Nissan Frontier so you can plan your budget. Insurance rates can vary based on the car’s age, model, year, trim and your location.
You can keep costs down by maintaining a clean driving record, taking advantage of available discounts and reviewing your insurance policy at least once a year. This way, you can have the coverage you need without paying too much.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” July 2025.
Methodology
CarInsurance.com commissioned Quadrant Information Services to calculate average auto insurance rates for 1,661 car models to help drivers compare coverage costs. Rates reflect national averages based on a standard driver profile with full coverage, typical commute distance, and annual mileage.
The average rates are based on a 40-year-old male driver with 100/300/100 liability limits and a $500 deductible for collision and comprehensive coverage, commuting 12 miles to work daily and driving 10,000 miles annually.
Read the detailed methodology for more information.
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