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Kat Tretina is a personal finance writer for Compare.com, specializing in insurance and debt management. For the past seven years, she’s been writing for several notable personal finance publications, including U.S News & World Report, NerdWallet, Forbes, Yahoo! Finance, Fortune, and more. She’s passionate about using her expertise to help people understand their financial options.
Kat earned her bachelor’s degree in English and Communications from Elizabethtown College and her master’s from West Chester University. She also holds certifications in financial education and student loan counseling.
Kat has been writing for Compare.com since 2025.
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Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
Pickup trucks are booming in popularity. In fact, 17% of new vehicle registrations are pickups, according to Experian.[1] The Nissan Frontier is a midsize option with a starting price of $32,050, less expensive than some of its competitors, like the GMC Canyon or Honda Ridgeline.
Thanks to its lower price and safety features, the Nissan Frontier is usually relatively cheap to insure. Nissan Frontier drivers pay an average of $169 per month for full-coverage policies — about 12% less than the national average for all vehicles.
We’ll tell you how to find the right coverage for your Frontier and how to save money on your car insurance.
Nissan Frontier drivers pay an average of $92 per month for liability coverage and $169 for full coverage.
Frontier drivers in Iowa pay the cheapest rates for auto coverage, at $70 per month. New York drivers pay the most — $270 per month.
Travelers, Certainly, and Mile Auto offer the lowest average rates for Nissan Frontiers.
How much you pay to insure your Nissan Frontier depends on several factors, including the coverage and limits you choose.
In nearly every state, you need to have liability car insurance to pay for injuries and property damage you cause to others. State-minimum insurance usually has lower limits than full coverage, so you may want extra coverage for more financial protection and peace of mind.
Full-coverage policies usually include liability, collision, and comprehensive insurance. They can also include uninsured/underinsured motorist (UM/UIM) coverage and personal injury protection (PIP), depending on where you live.
The table below shows the average liability-only and full-coverage rates for the Nissan Frontier and the national average for all vehicles, according to Compare.com data.
Vehicle  | Average Monthly Premium: Liability | Average Monthly Premium: Full Coverage | Average Monthly Premium: All Policies |
|---|---|---|---|
| Nissan Frontier | $92 | $169 | $131 |
| All vehicles | $108 | $193 | $150 |
Nissan Frontier drivers tend to pay lower-than-average car insurance rates. Liability-only coverage for the Frontier costs an average of $92 per month, $16 less than the national average. Full coverage costs $169 per month, $24 less than the rest of the market.
Several factors influence your car insurance premiums, like your age, credit history, location, and driving record. Rates can also vary by company, and you can save money by shopping around for coverage.
The following companies offer the lowest auto insurance rates for the Nissan Frontier, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Travelers | $65 |
| Certainly | $66 |
| Mile Auto | $72 |
| Safeco | $91 |
| Midvale Home & Auto | $93 |
Travelers offers the lowest average rates for the Nissan Frontier, at $65 per month. But these insurers may not be the cheapest for every driver. Comparing quotes from several companies can help you find the cheapest coverage.
Get instant quotes from top insurers and save in seconds.
We analyzed leading companies and found the best insurers for the Nissan Frontier based on their rates, coverage options, availability, and customer ratings.
Although no one company is best for everyone, these insurers provide excellent coverage at affordable rates for different types of drivers.
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | NR |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.4 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $66/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $101/mo |
Mile Auto is a pay-per-mile auto insurance company that bases premiums on the number of miles you drive each month. The insurer says it can save people who drive less than 10,000 miles per year up to 40% on their car insurance.
While usage-based insurance (UBI) policies typically require you to use a mobile app or plug-in device, Mile Auto requires only that you submit a photo of your odometer each month.
But Mile Auto is available only in Arizona, Florida, Georgia, Ohio, Oregon, Tennessee, and Texas. Customers frequently praised the lower-than-usual rates, but some reported issues contacting customer service and delays with claims.[2]
Low Frontier rates
Rates based on mileage
Cheaper-than-average rates for high-risk drivers
Available in only seven states
Limited optional coverages
Mixed customer service reviews
| AM Best AM Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A++ |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | NR |
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Drivers value the reliable coverage but find the policy costs high and the rate increases too frequent. Communication and claim settlement speed also need improvement.
Travelers offers some of the cheapest average premiums for the Nissan Frontier, according to our research. Plus, the insurer has multiple discount programs to help you save even more, including new car, homeowners, and safe driver discounts.
Travelers also offers specialty insurance products like rideshare and guaranteed asset protection (gap) coverage.
But some optional coverages aren’t available everywhere. Travelers also ranks below average for customer satisfaction according to J.D. Power and has a poor Trustpilot rating.[3] [4]
Cheaper-than-average premiums
Multiple discounts available
Offers gap insurance
Below-average customer satisfaction ratings in most regions
Some coverage options not available in all states
Bad Trustpilot rating
Affordable Frontier premiums
Backed by Liberty Mutual
Easy digital shopping experience
Available in only five states
Offers few optional coverages
Limited discounts available
Certainly is a good option if you want to manage your car insurance entirely online. It’s a digital insurance brand backed by Liberty Mutual, a major insurance company. The company boasts a quick, easy shopping experience with lower-than-average Nissan Frontier insurance premiums.
But Certainly is available only in Arizona, Illinois, Ohio, Tennessee, and Wisconsin. The insurer boasts affordable rates, but it doesn’t offer as many discounts as some competitors.
Your truck’s age affects your rates, too. Older vehicles tend to be worth less than newer models, so they’re usually cheaper to repair or replace. As a result, older vehicles typically cost less to insure.
For example, drivers of a 2025 Nissan Frontier pay an average of $152 per month for insurance, while 2020 Frontier drivers pay an average of $129 per month.
The table below showcases average monthly premiums for different Nissan Frontier model years, according to Compare.com data.
Frontier Model Year | Average Monthly Premium |
|---|---|
| 2025 | $152 |
| 2024 | $164 |
| 2023 | $157 |
| 2022 | $169 |
| 2021 | $136 |
| 2020 | $129 |
| 2019 | $134 |
| 2018 | $126 |
| 2017 | $128 |
| 2016 | $125 |
| 2015 | $115 |
| 2014 | $130 |
| 2013 | $125 |
| 2012 | $126 |
Insurance companies consider your location and ZIP code when setting your premiums. If you live in an area with high traffic congestion, theft rates, or cost of living, you’ll usually pay more for auto coverage.[5]
For example, New York has one of the highest costs of living in the country, and drivers there have the highest average premium for a Nissan Frontier, at $297 per month.[6] Drivers in North Carolina, which has a much lower cost of living, pay an average premium of just $58 per month.
The map below lists the average cost of insuring a Nissan Frontier by state, according to Compare.com data.
state_id | Average Monthly Premium |
|---|---|
| Alabama | $77 |
| Arizona | $103 |
| Arkansas | $147 |
| California | $148 |
| Colorado | $121 |
| Connecticut | $234 |
| Delaware | $143 |
| Florida | $151 |
| Georgia | $153 |
| Idaho | $78 |
| Illinois | $96 |
| Indiana | $83 |
| Iowa | $70 |
| Kansas | $94 |
| Kentucky | $151 |
| Louisiana | $139 |
| Maine | $91 |
| Maryland | $212 |
| Massachusetts | $116 |
| Michigan | $181 |
| Minnesota | $116 |
| Mississippi | $116 |
| Missouri | $113 |
| Montana | $94 |
| Nebraska | $108 |
| Nevada | $184 |
| New Hampshire | $71 |
| New Jersey | $122 |
| New Mexico | $89 |
| New York | $297 |
| North Carolina | $58 |
| North Dakota | $89 |
| Ohio | $78 |
| Oklahoma | $100 |
| Oregon | $99 |
| Pennsylvania | $101 |
| Rhode Island | $88 |
| South Carolina | $169 |
| South Dakota | $75 |
| Tennessee | $87 |
| Texas | $137 |
| Utah | $112 |
| Vermont | $84 |
| Virginia | $111 |
| Washington | $86 |
| District of Columbia | $175 |
| West Virginia | $89 |
| Wisconsin | $78 |
| Wyoming | $75 |
Teens typically pay the most for car insurance of any age group. Teens and younger drivers have riskier driving habits and are more likely to cause an accident than other age groups, according to the Centers for Disease Control and Prevention.[7]
But seniors usually have the cheapest car insurance rates because they tend to have safer habits and drive less, lowering premiums.
The table below highlights the average Nissan Frontier insurance rates for different age groups, according to Compare.com data.
Age Group | Average Monthly Premium |
|---|---|
| Teens | $246 |
| Adults | $119 |
| Seniors | $101 |
On average, teens pay $246 per month for Nissan Frontier car insurance — nearly double the average for all drivers. But rates typically decrease as you age, and seniors pay an average of $101 per month to insure a Frontier.
Pickup truck drivers tend to spend more time behind the wheel than car or motorcycle drivers, so they have a higher risk of infractions like speeding tickets.[8] If you get a speeding ticket or cause an accident, you’ll pay more for car insurance. And a driving under the influence (DUI) conviction will increase your rates the most.
The table below shows the average cost of insuring a Nissan Frontier by driving record, according to Compare.com data.
Driving Record | Average Monthly Premium |
|---|---|
| Clean record | $131 |
| Speeding ticket | $181 |
| At-fault accident | $189 |
| DUI | $215 |
A speeding ticket increases Nissan Frontier rates by $50 per month on average, compared to a driver with a clean record. A DUI causes rates to jump by $116 per month.
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Some options and features of your Frontier can affect how much you pay for car insurance, including:
Vehicle type: Our data shows that pickup trucks tend to be less expensive to insure than SUVs, sedans, or coupes.
Safety features: The Nissan Frontier comes standard with safety features like automatic emergency brakes, pedestrian detection, blind-spot warnings, and lane-departure warnings. These features decrease the likelihood of an accident, potentially saving you money on your car insurance.
Trim level: The Nissan Frontier comes in multiple trim levels. More expensive models can cost more to repair, increasing what you pay for coverage.
To find cheaper car insurance for your Nissan Frontier, follow these tips:
Consider pay-per-mile insurance. Pay-per-mile coverage bases your premiums on how many miles you drive. You could save money if you drive less than 10,000 miles per year.
Adjust your deductible. Raising your deductible will reduce your monthly premium. But make sure you have money set aside if you need to file a claim, because you’ll pay more out of pocket.
Take a safe driving course. Some insurers will lower your rates if you take an approved safe or defensive driving course.
Ask about discounts. You may qualify for a discount based on your Frontier’s safety features. You could also be eligible for other discounts, like auto-pay, multi-policy, or claims-free discounts.
Shop for coverage. Cost, coverage options, and customer service options vary by company. Compare car insurance quotes from several insurers every year to make sure you’re getting the best deal on coverage for your Frontier.
Compare rates and get the coverage you need at the best price.
As you shop for auto insurance for your new or used Nissan Frontier, the answers to these common questions can help you choose the best coverage.
Not usually. Insurance for the Nissan Frontier typically costs less than the national average for all vehicles. Frontier drivers pay $131 per month for coverage. That’s $19 less than the national average of $150 per month, according to Compare.com data.
Travelers is the cheapest insurance company for the Nissan Frontier, with rates averaging $65 per month, according to Compare.com data. But your rates can vary depending on factors like your age, ZIP code, and driving record.
Car insurance for the 2025 Nissan Frontier is $152 per month, according to Compare.com data. Newer trucks typically cost more to insure because they’re worth more than older models.
The Nissan Frontier is the cheapest Nissan to insure, according to Compare.com data. On average, Frontier drivers pay $92 per month for liability coverage and $169 per month for full coverage.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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Compare.com's #1 goal is to save you money. We publish resources that are based on hard-hitting data and years of industry experience to help you make more informed decisions with your wallet.
Learn more about us, our team, and what makes us tick.
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Kat Tretina is a personal finance writer for Compare.com, specializing in insurance and debt management. For the past seven years, she’s been writing for several notable personal finance publications, including U.S News & World Report, NerdWallet, Forbes, Yahoo! Finance, Fortune, and more. She’s passionate about using her expertise to help people understand their financial options.
Kat earned her bachelor’s degree in English and Communications from Elizabethtown College and her master’s from West Chester University. She also holds certifications in financial education and student loan counseling.
Kat has been writing for Compare.com since 2025.
Matthew Gross is an editor at Compare.com. With a background in editing and SEO, he’s passionate about creating content that helps readers get the information they need to make more informed decisions. Prior to Compare.com, Matthew brought his user-centered approach to his work with global brands like Apple and Adobe.
Matthew graduated from Illinois State University, where he earned his bachelor’s degree in Journalism.
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