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2002 Nissan Altima Insurance Rates

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Jeffrey Johnson graduated summa cum laude from the University of Baltimore School of Law and has worked in legal offices and nonprofits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman University and worked in film, education, and publishing. His professional writing has appeared on sites like The Manifest and Vice, and he is the author of a novel ...

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UPDATED: Jan 21, 2020

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Average insurance rates for a 2002 Nissan Altima are $922 a year including full coverage. Comprehensive costs on average $138, collision costs $180, and liability insurance costs $446. Buying a liability-only policy costs as little as $500 a year, with high-risk insurance costing around $1,982. Teenage drivers receive the highest rates at $3,772 a year or more.

Annual premium for full coverage: $922

Rate estimates for 2002 Nissan Altima Insurance

Comprehensive $138
Collision $180
Liability $446

Rate data is compiled from all 50 U.S. states and averaged for all 2002 Nissan Altima models. Rates are based on a 40-year-old male driver, $500 comprehensive and collision deductibles, and a clean driving record. Remaining premium consists of UM/UIM coverage, Medical/PIP, and policy fees.

Price Range by Coverage and Risk

For a middle-aged driver, prices range go from as low as $500 for just liability insurance to the much higher price of $1,982 for a high risk driver.

Liability Only $500
Full Coverage $922
High Risk $1,982

View Chart as Image

2002 Nissan Altima insurance rates compared
Column chart showing 2002 Nissan Altima insurance prices range from $566 to $3,772 for full coverage

These differences highlight why everyone should compare rates based on a specific location and risk profile, rather than relying on average rates.

Use the form below to get rates for your location.

Enter your zip code below to view companies based on your location that have cheap auto insurance rates.

Recommended Companies for Cheap 2002 Nissan Altima Insurance

Searching Companies

Trying to find the cheapest insurance rates for your Nissan Altima? Searching for the cheapest insurance for a new or used Nissan Altima can turn out to be a lot of work, but you can follow these tips to find lower rates. There is a right way and a wrong way to compare insurance rates so we’re going to tell you the proper way to price shop coverage for a Nissan and locate the best price possible.

Buying car insurance is not that difficult. If you have a policy now or need new coverage, you can use these techniques to cut your premiums while maintaining coverages. Drivers only need an understanding of the most efficient way to compare prices online.

Do you qualify for discounts?

Car insurance companies do not list every available discount in a way that’s easy to find, so the following is a list of both well-publicized and the harder-to-find discounts you could be receiving. If you aren’t receiving every discount possible, you are throwing money away.

  • Life Insurance Discount – Companies who offer life insurance give a discount if you purchase life insurance.
  • Paperwork-free – A few companies will discount your bill up to fifty bucks for buying your policy on their website.
  • Multi-car Discount – Buying coverage for more than one vehicle on one policy can get a discount on all vehicles.
  • Club Memberships – Participating in a professional or civic organization could qualify you for a break on auto insurance on Altima insurance.
  • Save over 55 – Older drivers can possibly qualify for a small decrease in premiums on Altima insurance.
  • Seat Belts Save – Buckling up and requiring all passengers to buckle their seat belts can save up to 15% on the medical payments or PIP coverage costs.
  • Good Students Pay Less – A discount for being a good student can get you a discount of up to 25%. The discount lasts up to age 25.

It’s important to understand that some of the credits will not apply to the entire cost. Most cut specific coverage prices like comp or med pay. So even though they make it sound like you can get free auto insurance, you won’t be that lucky.

A partial list of companies that possibly offer these money-saving discounts may include but are not limited to:

Double check with every prospective company which discounts they offer. Discounts might not apply in your state.

Compare the Market for Car Insurance

Performing a rate comparison can be exhausting if you don’t utilize the most efficient way. You could spend the better part of a day talking to insurance companies in your area, or you could use the web to get the quickest rates.

Many popular insurance companies participate in an industry program where prospective buyers submit one quote, and each participating company then returns a price quote based on that data. This system prevents you from having to do quote requests for each company.

To use this form to compare 2002 Nissan Altima insurance rates click here (opens in new window).

The one disadvantage to pricing coverage this way is buyers cannot specifically choose which providers you want to price. If you wish to select from a list of companies to compare prices, we have assembled a list of low cost car insurance companies in your area. Click here for list of insurance companies.

It doesn’t matter which method you choose, just ensure you’re using apples-to-apples coverages and limits on every quote you get. If the quotes have mixed coverages you can’t possibly determine which rate is truly the best.

Don’t assume everyone needs the same coverage

When it comes to buying coverage, there really is no “best” method to buy coverage. Each situation is unique.

Here are some questions about coverages that might help in determining whether you could use an agent’s help.

  • Is my ex-spouse still covered by my policy?
  • Is my state a no-fault state?
  • Do I have coverage for damage caused while driving under the influence?
  • Are there companies who specialize in insuring high-risk drivers?
  • How much liability do I need to cover my assets?
  • When should I remove comp and collision on my 2002 Nissan Altima?
  • What is high-risk coverage and where do I buy it?
  • Am I covered if I crash into my own garage door?

If you’re not sure about those questions, you may need to chat with a licensed agent. To find an agent in your area, fill out this quick form. It’s fast, free and can help protect your family.

Free Auto Insurance Comparison

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Car insurance coverage information

Learning about specific coverages of your policy can help you determine the right coverages at the best deductibles and correct limits. The coverage terms in a policy can be confusing and even agents have difficulty translating policy wording.

Medical payments coverage and PIP

Medical payments and Personal Injury Protection insurance pay for bills for things like funeral costs, doctor visits, X-ray expenses and rehabilitation expenses. They are utilized in addition to your health insurance policy or if there is no health insurance coverage. Medical payments and PIP cover not only the driver but also the vehicle occupants and will also cover any family member struck as a pedestrian. Personal Injury Protection is only offered in select states but it provides additional coverages not offered by medical payments coverage

Liability car insurance

This coverage protects you from damage or injury you incur to people or other property. It protects you against claims from other people. Liability doesn’t cover your injuries or vehicle damage.

Liability coverage has three limits: bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. As an example, you may have values of 100/300/100 which stand for a limit of $100,000 per injured person, $300,000 for the entire accident, and $100,000 of coverage for damaged property.

Liability coverage pays for claims like loss of income, repair bills for other people’s vehicles, structural damage, emergency aid and bail bonds. The amount of liability coverage you purchase is your choice, but it’s cheap coverage so purchase as large an amount as possible.

Comprehensive coverage

Comprehensive insurance coverage pays to fix your vehicle from damage from a wide range of events other than collision. You need to pay your deductible first and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like falling objects, a tree branch falling on your vehicle, damage from flooding and rock chips in glass. The maximum payout a auto insurance company will pay at claim time is the ACV or actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Uninsured/Underinsured Motorist coverage

Uninsured or Underinsured Motorist coverage gives you protection from other motorists when they either have no liability insurance or not enough. Covered losses include hospital bills for your injuries and also any damage incurred to your Nissan Altima.

Since many drivers only purchase the least amount of liability that is required, their limits can quickly be used up. This is the reason having UM/UIM coverage is important protection for you and your family.

Coverage for collisions

Collision coverage covers damage to your Altima resulting from a collision with an object or car. You first must pay a deductible then your collision coverage will kick in.

Collision can pay for claims such as damaging your car on a curb, rolling your car and colliding with a tree. Collision coverage makes up a good portion of your premium, so consider removing coverage from vehicles that are older. It’s also possible to choose a higher deductible to save money on collision insurance.

In conclusion

Consumers who switch companies do it for a number of reasons such as not issuing a premium refund, denial of a claim, delays in paying claims or unfair underwriting practices. Whatever your reason, finding a great new company can be easier than you think.

We just presented many ways to lower your 2002 Nissan Altima insurance rates. The key concept to understand is the more rate quotes you have, the better likelihood of reducing your rate. You may even discover the lowest priced car insurance comes from a lesser-known regional company.

As you go through the steps to switch your coverage, you should never skimp on coverage in order to save money. There are many occasions where someone sacrificed comprehensive coverage or liability limits only to find out they didn’t purchase enough coverage. The aim is to buy enough coverage for the lowest price while still protecting your assets.

For more information, feel free to visit the resources below:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2002 Nissan Altima Insurance Rates by City
City Premium
New York City, NY $1,458
Los Angeles, CA $1,575
Philadelphia, PA $1,232
Jacksonville, FL $1,339
Phoenix, AZ $1,072
Chicago, IL $1,235
Houston, TX $1,446
Seattle, WA $897
Columbus, OH $770
Indianapolis, IN $784

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2002 Nissan Altima Insurance Rates by Driver Age
Driver Age Premium
16 $3,772
20 $2,114
30 $934
40 $922
50 $848
60 $830

Full coverage, $500 deductibles

Rates by Deductible

2002 Nissan Altima Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,058
$250 $994
$500 $922
$1,000 $848

Full coverage, driver age 40

Rates by Liability Limit

Nissan Altima Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $922
50/100 $1,011
100/300 $1,123
250/500 $1,413
100 CSL $1,056
300 CSL $1,301
500 CSL $1,480

Full coverage, driver age 40

Rates for High Risk Drivers

2002 Nissan Altima Insurance Rates for High Risk Drivers
Age Premium
16 $5,296
20 $3,364
30 $1,992
40 $1,982
50 $1,896
60 $1,878

Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident

If a financial responsibility filing is required, the additional charge below may also apply.

SR-22 Surcharge $122

Potential Rate Discounts

If you qualify for discounts, you may save the amounts shown below.

Discount Savings
Multi-policy $46
Multi-vehicle $50
Homeowner $17
5-yr Accident Free $54
5-yr Claim Free $57
Paid in Full/EFT $32
Advance Quote $39
Online Quote $61
Total Discounts $356
Rate after discounts $566

Discounts are estimated and may not be available from every company or in every state.

Find companies with the cheapest rates in your area

2002 Nissan Altima Insurance Rates by State
State Premium
Alabama $834
Alaska $708
Arizona $766
Arkansas $922
California $1,050
Colorado $880
Connecticut $948
Delaware $1,046
Florida $1,154
Georgia $850
Hawaii $660
Idaho $622
Illinois $686
Indiana $694
Iowa $622
Kansas $876
Kentucky $1,258
Louisiana $1,366
Maine $568
Maryland $760
Massachusetts $740
Michigan $1,602
Minnesota $770
Mississippi $1,106
Missouri $818
Montana $990
Nebraska $728
Nevada $1,106
New Hampshire $664
New Jersey $1,032
New Mexico $818
New York $972
North Carolina $532
North Dakota $754
Ohio $636
Oklahoma $946
Oregon $844
Pennsylvania $880
Rhode Island $1,230
South Carolina $834
South Dakota $778
Tennessee $808
Texas $1,112
Utah $682
Vermont $632
Virginia $552
Washington $712
West Virginia $844
Wisconsin $638
Wyoming $822

Free Auto Insurance Comparison

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