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.
On average, insuring a 2023 Nissan Frontier costs around $2,158 annually, but the rates can vary significantly compared to older models. For instance, a 2021 Frontier might cost slightly less, around $2,025 per year, while insuring a 2018 model could be even more budget-friendly at $1,871 annually.
This guide will break down the costs and provide helpful tips for getting the best insurance rates for your Nissan Frontier.
What is the cost to insure your Nissan Frontier in 2025?
On average, insuring a Nissan Frontier costs $184 per month – or $2,209 annually – for a full coverage policy. However, your actual cost may differ depending on factors such as your age, where you live, your driving history and the insurance company you choose.
Younger drivers or those with a history of accidents may pay higher insurance rates, while older drivers with a clean driving record may pay less for the same coverage. Insurance rates can also change based on the state or even the ZIP code where you park your car.
Use the tool below to find out how much insurance might cost for your car in your area.
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
Insurance premiums are typically higher for newer vehicles because of their high market value and pricey repairs. For instance, a 2023 Nissan Frontier generally has a higher insurance premium than a 2019 model. Besides, older models might not include the latest safety features, which can also influence their insurance costs.
Below is a comparison of average annual insurance costs for different model years of the Nissan Frontier. This data can give you a clear idea of how insurance premiums change with the vehicle’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 |
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Nissan Frontier car insurance rates for different trims
The trim level can significantly affect insurance premiums when insuring a Nissan Frontier. Each trim has different features, safety equipment and price points, all of which can affect the cost of insurance.
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
Insurance costs for a Nissan Frontier vary widely between states. State laws, average repair expenses and the likelihood of car theft or accidents are all key factors that affect these rates.
Below, you’ll find car insurance rates for the Nissan Frontier in different states.
| 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.
To save on insurance, try keeping a clean driving record, taking advantage of discounts and reviewing your policy every renewal period. This will help you get the right coverage at an affordable price.
Resources & Methodology
Sources
Insurance Information Institute. “Facts + Statistics: Teen drivers.” August 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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