How much is insurance on a Nissan Frontier?

A 2024 Nissan Frontier runs about $1,870 a year for a typical 45-year-old, $70 less than an average car of the same age, because of lower non-crash losses and lower crash-repair losses. Putting a new 16-year-old on a family policy with the Frontier adds about $1,230 a year (#5 of 9 small pickups we compare).

2024 Nissan Frontier (Frontier 2WD), national average

about $1,870 a year (about $155 a month)

Estimated range: $1,350–$2,500. Actual quotes can fall outside it.

An average car of the same age (what HLDI's 2022–24 results measure against) runs about $1,940 a year. A used 2013 Frontier drops to about $1,540 (see the table below).

A Nissan Frontier from the 2022–present generation. Photo: Mr.choppers, CC BY-SA 3.0, via Wikimedia Commons, cropped (credits).

Priced for the 2024 Frontier 2WD, the newest year covered by HLDI's loss data (2022–24 models), for a 45-year-old driver with a clean record and full coverage. HLDI's results combine drivers of all ages. We apply them to one example driver (a 45-year-old with a clean record) so pages are comparable; they aren't specific to 45-year-olds. Each state raises or lowers every car's price by the same percentage, so the Frontier's rank is the same in every state.

Why the Nissan Frontier costs what it does

What HLDI reports (2022–24 models, all drivers combined)

The Highway Loss Data Institute (HLDI) compares each model's insurance losses with an average car's. HLDI lists this model as 3 versions (Nissan Frontier crew cab LWB, Nissan Frontier crew cab SWB and Nissan Frontier ext. cab). Taking the middle of them, on HLDI's scale where 100 is an average car and lower is better, it reports 90 for crash repairs, 75 for non-crash damage, 102 for damage to others' property, and 93 for injury claims.

Crash repairs (collision)fixing this car after a crashAverage10% better than average7th best of the 9 small pickups we compare
Non-crash damage (comprehensive)theft, weather, fire, vandalism, glass, and animal strikesBetter than average25% better than average3rd best of the 8 small pickups we compare
Damage to others' property (property damage liability)other people's cars and property, when this car's driver is at faultAverage2% worse than average5th best of the 8 small pickups we compare
Injuries to others (bodily injury liability)how often injury claims are filed against this car's drivers, not how much they costAveragefiled 7% less often than average4th best of the 5 small pickups we compare

HLDI's ratings, best to worst:Substantially better than averageBetter than averageAverageWorse than averageSubstantially worse than averageInsufficient data

HLDI rates results within about 20% of average as “Average.”

Source: HLDI, insurance losses by make and model, 2022–24 models.

What we estimate that means for price

Prices move less than loss results do: a car's loss record is only one of many things insurers weigh, and each weighs it differently. So we count only part of HLDI's difference. Combining crash repairs and non-crash damage (weighted about 71% and 29%, the share each makes up of industry claim costs), the Frontier comes out about 15% better than average. We count about 40% of that difference, so the part of the bill that fixes the car is about 6% less than average: about $900 a year vs $950. On the liability side, damage to others and injury claims combine to about 3% better than average. We count about half, so that part is about 2% less: $970 a year vs $990.

How the math works

In EPA size classes, the Frontier is a full-size pickup (gas-powered). In Highway Loss Data Institute loss tables, the Nissan Frontier is benchmarked against small pickups.

Matched to HLDI series “Nissan Frontier crew cab LWB; Nissan Frontier crew cab SWB; Nissan Frontier ext. cab” (HLDI, 2022–24 models).

A used Nissan Frontier, by model year

One model year per age group. Liability only: no coverage for the car itself. Teen columns: a new 16-year-old. Each row uses the HLDI report that covers that model year.
Model year	Full coverage	Liability only	Adding a teen	Teen on their own policy
2024 Frontier 2WD (0–3 years old)	about $1,870	about $970	+$1,230	about $5,360
2022 Frontier 2WD (4–7 years old)	about $1,760	about $970	+$1,160	about $5,060
2018 Frontier 2WD (8–12 years old)	about $1,820	about $1,160	+$1,200	about $5,230
2013 Frontier 2WD (13 or more years old)	about $1,540	about $1,020	+$1,020	about $4,420

Our catalog covers the Nissan Frontier across model years 2006–2027. Full coverage on a used 2013 Frontier (13 or more years old) runs about $1,540 a year, $330 less than on a 2024. Dropping collision and comprehensive on that 2013 brings liability-only coverage to about $1,020 a year. Each photo shows that year's generation of the car. Photo credits.

Across 2024 Nissan Frontier trims, full coverage goes from about $1,750 a year on the Frontier 4WD to about $1,870 on the Frontier 2WD, because HLDI's loss results differ by body, drive, or powertrain.

Frontier 4WD; Frontier 4WD PRO4X: about $1,750
Frontier 2WD: about $1,870

On a policy of their own with a 2024 Nissan Frontier, a 22–25-year-old pays about $2,430 a year ($560 more than a 45-year-old), a 26–39-year-old about $2,070, and a driver 65 and older about $1,960.

Adding a 16-year-old with a Nissan Frontier

Adding a new 16-year-old who drives the Nissan Frontier raises the family bill by about $1,230 a year ($105 a month), about the same as adding a teen with an average car of the same age. A separate policy for the 16-year-old runs about $5,360 a year, so keeping them on the family policy saves about $4,130 a year.

For adding a teen driver, the Nissan Frontier ranks 50th cheapest out of all 121 models we track. Stepping down to a used 2013 Frontier (13 or more years old) brings the teen add-on to about $1,020 a year.

That increase is how much the family bill goes up with a new 16-year-old driving this car. Cheapest cars to insure for a teen.

Similar small pickups

Among these 9 small pickups, the Nissan Frontier is the 5th most expensive to insure. Right next to it are the Ford Ranger (about $1,860 a year) and the Chevrolet Colorado (about $1,870).

Photos from Wikimedia Commons contributors. Photo credits.

What a Nissan Frontier costs in your state

In six sample states, a 2024 Nissan Frontier runs from about $1,300 a year in Hawaii through Kansas, Illinois, Oklahoma and New Jersey to about $2,240 in Texas:

Hawaiiabout $1,300/yr · +$860 teen
Kansasabout $1,530/yr · +$1,010 teen
Illinoisabout $1,630/yr · +$1,080 teen
Oklahomaabout $1,720/yr · +$1,140 teen
New Jerseyabout $2,200/yr · +$1,450 teen
Texasabout $2,240/yr · +$1,480 teen

All 50 states and DC · Updated November 5, 2026.

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