Frontier Insurance

How to Properly Insure Your Nissan Frontier

(Learn why you need each type of coverage.)

As of 2020, the current body style on the Nissan Frontier is an impressive 16 years old. That goes to show how much this iconic midsize truck is adored by loyal drivers. As a Frontier owner yourself, carrying the right car insurance is vital to protecting you and your truck. An independent insurance agent can help you choose the right coverage for your needs. 

Click here find-an-agent tool to be matched up with a local insurance agent ready to help you get started. 

What Kind of Insurance Do You Need for Your Nissan Frontier? 

There are plenty of insurance options to choose from for your auto policy. Each state has minimum required coverage, so ask your independent agent exactly what you need. While certain coverages aren’t mandatory, it’s always beneficial to weigh the benefits of choosing extra protection.  

Most states mandate the following coverage: 

Bodily injury liability

Unfortunately, getting into an accident can happen to anyone. It’s also possible you could harm others and be at fault. This coverage provides reimbursement to the driver and passengers in another vehicle for medical care and lost wages up to your policy limits when you cause an accident. 

Property damage liability 

Property damage liability coverage provides reimbursement for damage to another person’s vehicle or property caused by your negligence while in your vehicle. 

Many states also require this coverage:

Medical payments/Personal injury protection

Personal injury protection (PIP) coverage pays the cost of medical expenses as well as lost wages for you and your passengers in the event of a car accident. 

Uninsured motorist coverage

An astounding 13% of drivers operate a vehicle without insurance.

This means that more than 1 in 10 drivers are out there on the road without insurance, putting you at risk. This coverage protects you when an uninsured driver causes an accident. You can also get uninsured and underinsured motorist coverage, which protects you from other drivers whose policy limits fall short to cover damages. 

Optional Coverage:

Collision 

If you have a crash with another vehicle or object while driving, collision coverage pays for damage to your vehicle. Without collision coverage, you could fork over thousands of dollars for repairs.

Comprehensive

Incidents such as fires, earthquakes, and storms can cause significant damage to your vehicle, making comprehensive coverage beneficial to carry. 

Glass 

Glass claims are some of the most common insurance claims. Rocks too often fly up and cause chips or cracks in the windshield. For a low premium, glass coverage can replace or repair your windshield if damaged. 

Gap

Gap coverage is highly beneficial to have if you owe more on your car than it's worth. If you fail to carry gap coverage and your car is declared a total loss, you will still owe the remaining loan balance to your lender.

What Affects the Cost of Car Insurance for Your Nissan Frontier? 

Annual mileage

The more miles you drive each year, the higher your annual premiums will be. After all, being on the road more means a greater chance for a claim. So if you have a particularly long commute to work each day, you can expect to pay a bit more for insurance. 

Driving record 

Drivers with no traffic or moving violations on their records will typically have much lower insurance premiums. If you’ve had any violations recently, you can ask your independent insurance agent when your rates will no longer be affected. 

The value of your car 

Vehicles that are more expensive generally cost more to insure. A Nissan Frontier is a relatively affordable midsize truck, so insurance premiums are reasonable compared to other trucks in the same class.

Average price of a Nissan Frontier
2017$13,150 - $22,700
2018$13,125 - $23,775
2019$15,000 - $25,500
2020$19,290 - $37,150

The safety of your Nissan Frontier

The latest safety data for the Nissan Frontier is from 2019. The National Highway Traffic Safety Administration (NHTSA) gave the Nissan Frontier a four-star rating overall. Your vehicle's safety ratings have the potential to influence your monthly premiums. 

Where you live with your Nissan Frontier

Where you live also plays a part in your insurance rates. If you live in a more populated area, you are more prone to incidents that could lead to a claim vs. living in a smaller town.  

Average cost to insure a Nissan Frontier

The average cost to insure your Frontier per year sits around $1,764. The cost can vary greatly depending on factors like selected coverage, age, driving record, etc. 

Which states are the most affordable and least affordable for car insurance? 

Estimated annual car insurance premiums in the United States:

Most expensive states:
Louisiana$1,824
Michigan$1,600
Florida$1,596
California$1,588
Most affordable states:
North Dakota$428
Ohio$500
North Carolina$520
Idaho$552
Maine$556

How Can You Save on Nissan Frontier Insurance? 

Fortunately, insurance companies offer a variety of options to save you money on auto insurance, including: 

  • Good student discount
  • Anti-theft device discount
  • Affinity discount
  • Good driver discount
  • Multi-line discount
  • Multi-vehicle discount

You can choose a higher deductible to save on your monthly premium. 

Top Insurance Companies That Insure the Nissan Frontier 

No two insurance companies are exactly alike. It’s important to select an insurer that's reliable, trustworthy, and committed to their customers. The U.S. Independent Insurance Agent Satisfaction Study by J.D. Power awarded the following companies high marks: 

  1. Auto-Owners Insurance
  2. Progressive
  3. Safeco
  4. Travelers

Your independent insurance agent can help you choose a company that is the right fit for your car insurance needs.

Get a Nissan Frontier Insurance Quote

There are plenty of perks to working with an independent insurance agent. Your agent has the ability to shop a wide variety of companies to get you the best rate. An independent agent works for you, so you can rest assured that your needs are taken care of. Let a Trusted Choice insurance agent get you a car insurance quote today. 

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naic.org, JD Power, Consumer Reports, Finder.com, statista, NHTSA