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2008 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 2008 Nissan Altima are $1,090 a year including full coverage. Comprehensive costs on average $182, collision insurance costs $272, and liability coverage costs $478. Buying a liability-only policy costs as little as $526 a year, and high-risk insurance costs around $2,354. Teen drivers receive the highest rates at up to $4,342 a year.

Annual premium for full coverage: $1,090

Rate estimates for 2008 Nissan Altima Insurance

Comprehensive $182
Collision $272
Liability $478

Rate data is compiled from all 50 U.S. states and averaged for all 2008 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 range from as low as $526 for just liability coverage to the much higher price of $2,354 for a high risk driver.

Liability Only $526
Full Coverage $1,090
High Risk $2,354

View Chart as Image

2008 Nissan Altima insurance rates compared
Column chart showing 2008 Nissan Altima insurance prices range from $651 to $4,342 for full coverage

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

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 2008 Nissan Altima Insurance

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Tired of robbing Peter to pay Paul to insure your Nissan every month? Your situation is no different than many other consumers.

Numerous insurers battle for your hard-earned dollar, and it can be difficult to compare rates to discover the definitive lowest cost out there.

It’s a good habit to price shop coverage quite often due to the fact that insurance rates change regularly. Even if you think you had the best price on Altima coverage a couple years back you can probably find a lower rate today. So just forget anything you know (or think you know) about car insurance because you’re going to learn the quickest way to save money, get proper coverage and the best rates.

If you currently have a car insurance policy, you will most likely be able to reduce your rates substantially using these techniques. Finding affordable coverage is quite easy. Although drivers should learn how big insurance companies price insurance differently and take advantage of how the system works.

Factors that can influence Nissan Altima insurance rates

Consumers need to have an understanding of the rating factors that go into determining car insurance rates. Having a good understanding of what influences your rates helps enable you to make changes that may reward you with much lower annual insurance costs.

Listed below are some of the items that factor into rates.

  • Careful drivers pay lower rates – Your driving record has a huge affect on how much you pay. Even a single citation may increase your cost twenty percent or more. Drivers with clean records get better rates than their less careful counterparts. Drivers who get dangerous violations like hit and run, DWI or reckless driving convictions may be required to file a proof of financial responsibility form (SR-22) with the DMV in their state in order to prevent a license revocation.
  • Drive a safer car and pay less – Safer cars get lower rates. The safest vehicles result in less severe injuries and any reduction in injury severity means less money paid by your insurance company and thus lower rates. If the Nissan Altima is rated at least an “acceptable” rating on the Insurance Institute for Highway Safety website or four stars on the National Highway Traffic Safety Administration website it is probably cheaper to insure.
  • Special features that cut premiums – Purchasing a vehicle with an alarm system can help lower your rates. Theft prevention devices like tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all aid in stopping your car from being stolen.
  • Rural vs Urban Areas – Choosing to live in less populated areas can be a good thing when talking about car insurance. Lower population means reduced accidents and also fewer theft and vandalism claims. Drivers in populated areas have much more traffic to deal with and much longer commute distances. More time commuting means higher likelihood of an accident.
  • Don’t cancel a policy without a new one in place – Driving without insurance is a misdemeanor and your next policy will cost more because you let your coverage lapse. And not only will insurance be more expensive, getting caught without coverage will get you a steep fine or even jail time.You may have to provide proof of insurance in the form of an SR-22 filing with your state department of motor vehicles.

How to Compare Auto Insurance Quotes

Most major insurance companies like State Farm and Allstate provide coverage prices on their websites. The process is fairly straightforward as you just type in the amount of coverage you want as requested by the quote form. Behind the scenes, their rating system requests reports for credit and driving violations and quotes a price based on these and other factors. Being able to quote online helps simplify price comparisons, but the time it takes to visit multiple sites and complete many quote forms is monotonous and tiresome. But it’s very important to get many rate quotes in order to get better prices.

The preferred way to find cheaper rates is to use a quote form to get prices from a bunch of companies at once. This type of form saves time, eliminates form submissions, and makes price shopping online much more enjoyable and efficient. Immediately after you send the form, it is quoted and you are able to buy your choice of the returned quotes.

If you find a better price it’s easy to complete the application and purchase the new policy. The entire process takes just a few minutes to complete and may save quite a bit of money.

To find out how much you’re overpaying now, click here and input your coverage information. If you have coverage now, it’s recommended you enter the coverages identical to your current policy. This helps ensure you will have comparison quotes using the exact same coverages.

Discounts are available to cut your rates

Insuring your vehicles can cost a lot, but you can get discounts that you may not even be aware of. Some trigger automatically when you quote, but some may not be applied and must be asked about prior to receiving the credit.

  • Theft Prevention System – Vehicles equipped with anti-theft or alarm systems can help prevent theft and qualify for as much as a 10% discount.
  • Life Insurance – Some companies give a break if you buy a life insurance policy as well.
  • Senior Discount – If you’re over the age of 55, you can possibly qualify for a small decrease in premiums on Altima coverage.
  • Multiple Cars – Buying coverage for all your vehicles on one policy may reduce the rate for each vehicle.
  • Federal Employees – Employees or retirees of the government may qualify you for a discount on Altima coverage with select insurance companies.
  • New Vehicle Savings – Insuring a new car is cheaper due to better safety requirements for new cars.
  • Military Rewards – Being deployed with a military unit could be rewarded with lower premiums.
  • Drive Less and Save – Keeping the miles down on your Nissan can earn a substantially lower rate.
  • Own a Home – Owning a house may earn you a small savings because owning a home demonstrates responsibility.
  • No Claims – Drivers who don’t have accidents pay less when compared to drivers who are more careless.

A little note about advertised discounts, some credits don’t apply the whole policy. Most only apply to the cost of specific coverages such as liability and collision coverage. Even though it may seem like it’s possible to get free car insurance, it just doesn’t work that way. Any qualifying discounts will bring down your premiums.

To see a list of companies with discount insurance coverage rates, click here to view.

Everyone needs different coverages

When it comes to buying adequate coverage for your vehicles, there isn’t really a “best” method to buy coverage. Everyone’s situation is a little different so this has to be addressed. These are some specific questions could help you determine if you may require specific advice.

  • Does coverage extend to a rental car in a foreign country?
  • When do I need to add a new car to my policy?
  • How high should my medical payments coverage be?
  • Am I missing any policy discounts?
  • Do all my vehicles need collision coverage?
  • Do I have coverage when pulling a U-Haul trailer?
  • Do I need rental car coverage?
  • What is no-fault insurance?
  • Am I covered by my spouse’s policy after a separation?

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If you don’t know the answers to these questions but a few of them apply, you may need to chat with a licensed insurance agent. If you don’t have a local agent, fill out this quick form or you can go here for a list of companies in your area.

Insurance coverage considerations

Knowing the specifics of your policy can be of help when determining appropriate coverage and the correct deductibles and limits. Policy terminology can be impossible to understand and even agents have difficulty translating policy wording. These are typical coverages offered by insurance companies.

Comprehensive protection

Comprehensive insurance coverage pays for damage that is not covered by collision coverage. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive coverage protects against things such as fire damage, a tree branch falling on your vehicle, hail damage, damage from flooding and vandalism. The maximum amount you’ll receive from a claim is the ACV or actual cash value, so if your deductible is as high as the vehicle’s value it’s not worth carrying full coverage.

Uninsured or underinsured coverage

Your UM/UIM coverage gives you protection from other motorists when they are uninsured or don’t have enough coverage. It can pay for injuries to you and your family and damage to your Nissan Altima.

Since many drivers only purchase the least amount of liability that is required, it doesn’t take a major accident to exceed their coverage limits. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time these coverages are similar to your liability insurance amounts.

Collision insurance

Collision insurance covers damage to your Altima from colliding with an object or car. You have to pay a deductible and then insurance will cover the remainder.

Collision coverage protects against things such as sideswiping another vehicle, backing into a parked car, crashing into a building, colliding with a tree and colliding with another moving vehicle. This coverage can be expensive, so you might think about dropping it from lower value vehicles. Drivers also have the option to raise the deductible to get cheaper collision coverage.

Liability

This provides protection from damage that occurs to a person or their property in an accident. It protects YOU from legal claims by others, and doesn’t cover damage to your own property or vehicle.

It consists of three limits, bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 50/100/50 which stand for $50,000 in coverage for each person’s injuries, a limit of $100,000 in injury protection per accident, and a total limit of $50,000 for damage to vehicles and property. Some companies may use a combined single limit or CSL which provides one coverage limit without having the split limit caps.

Liability coverage protects against things like medical expenses, pain and suffering and repair bills for other people’s vehicles. How much liability coverage do you need? That is a decision to put some thought into, but you should buy as high a limit as you can afford.

Medical expense coverage

Personal Injury Protection (PIP) and medical payments coverage kick in for bills for things like ambulance fees, EMT expenses and prosthetic devices. They are often used in conjunction with a health insurance policy or if you lack health insurance entirely. Medical payments and PIP cover all vehicle occupants in addition to being hit by a car walking across the street. PIP coverage is only offered in select states and gives slightly broader coverage than med pay

Do the work, save more money

When trying to cut insurance costs, it’s not a good idea to sacrifice coverage to reduce premiums. There are a lot of situations where drivers have reduced uninsured motorist or liability limits only to regret they didn’t have enough coverage. Your goal should be to get the best coverage possible at an affordable rate, not the least amount of coverage.

Cheap 2008 Nissan Altima insurance can be found online in addition to many insurance agents, so compare prices from both to have the best selection. A few companies do not provide the ability to get a quote online and many times these regional insurance providers only sell through independent insurance agents.

Other learning opportunities

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2008 Nissan Altima Insurance Rates by City
City Premium
New York City, NY $1,722
Los Angeles, CA $1,863
Philadelphia, PA $1,459
Jacksonville, FL $1,582
Phoenix, AZ $1,268
Chicago, IL $1,462
Houston, TX $1,711
Seattle, WA $1,061
Columbus, OH $912
Indianapolis, IN $927

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2008 Nissan Altima Insurance Rates by Driver Age
Driver Age Premium
16 $4,342
20 $2,502
30 $1,114
40 $1,090
50 $1,002
60 $980

Full coverage, $500 deductibles

Rates by Deductible

2008 Nissan Altima Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,288
$250 $1,196
$500 $1,090
$1,000 $986

Full coverage, driver age 40

Rates by Liability Limit

Nissan Altima Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,090
50/100 $1,186
100/300 $1,305
250/500 $1,616
100 CSL $1,233
300 CSL $1,496
500 CSL $1,688

Full coverage, driver age 40

Rates for High Risk Drivers

2008 Nissan Altima Insurance Rates for High Risk Drivers
Age Premium
16 $6,138
20 $3,992
30 $2,380
40 $2,354
50 $2,250
60 $2,228

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 $149

Potential Rate Discounts

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

Discount Savings
Multi-policy $56
Multi-vehicle $59
Homeowner $19
5-yr Accident Free $70
5-yr Claim Free $69
Paid in Full/EFT $42
Advance Quote $49
Online Quote $75
Total Discounts $439
Rate after discounts $651

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

Find companies with the cheapest rates in your area

2008 Nissan Altima Insurance Rates by State
State Premium
Alabama $986
Alaska $836
Arizona $906
Arkansas $1,090
California $1,242
Colorado $1,042
Connecticut $1,120
Delaware $1,234
Florida $1,364
Georgia $1,004
Hawaii $782
Idaho $738
Illinois $812
Indiana $820
Iowa $734
Kansas $1,036
Kentucky $1,486
Louisiana $1,612
Maine $672
Maryland $898
Massachusetts $874
Michigan $1,894
Minnesota $912
Mississippi $1,306
Missouri $968
Montana $1,172
Nebraska $860
Nevada $1,306
New Hampshire $786
New Jersey $1,220
New Mexico $964
New York $1,148
North Carolina $626
North Dakota $890
Ohio $754
Oklahoma $1,118
Oregon $996
Pennsylvania $1,042
Rhode Island $1,452
South Carolina $986
South Dakota $920
Tennessee $956
Texas $1,316
Utah $808
Vermont $746
Virginia $652
Washington $842
West Virginia $998
Wisconsin $754
Wyoming $972

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