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2009 Nissan Altima Insurance Rates

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

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 2009 Nissan Altima are $1,118 a year for full coverage insurance. Comprehensive insurance costs around $186, collision costs $300, and liability insurance costs around $474. Buying a liability-only policy costs as low as $522 a year, with high-risk insurance costing $2,420 or more. Teen drivers receive the highest rates at $4,438 a year or more.

Annual premium for full coverage: $1,118

Rate estimates for 2009 Nissan Altima Insurance

Comprehensive $186
Collision $300
Liability $474

Rate data is compiled from all 50 U.S. states and averaged for all 2009 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 driver in their 40's, prices range go from as low as $522 for just liability insurance to a much higher rate of $2,420 for a driver who has had serious violations or accidents.

Liability Only $522
Full Coverage $1,118
High Risk $2,420

View Chart as Image

2009 Nissan Altima insurance rates compared
Column chart showing 2009 Nissan Altima insurance prices range from $664 to $4,438 for full coverage

These differences illustrate why anyone shopping for car insurance should compare prices for a specific zip code and risk profile, rather than relying on 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 2009 Nissan Altima Insurance

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Shoppers have lots of choices when shopping for low-cost Nissan Altima insurance. They can either waste time contacting agents trying to get quotes or save time using the internet to find the lowest rates. There is a better way to find insurance online and we’ll show you the quickest way to price shop coverage for your Nissan and locate the best price possible from local insurance agents and online providers.

It’s important to take a look at other company’s rates quite often because prices are rarely the same from one policy term to another. Just because you found the best deal for Altima coverage a couple years back you can probably find a lower rate today. Forget anything you know (or think you know) about insurance because we’re going to demonstrate how to quote online to find better coverage at a better price.

Finding affordable coverage is not rocket science. If you currently have a car insurance policy, you stand a good chance to be able to reduce your rates substantially using these techniques. Drivers just need to understand the most effective way to compare rates on the web.

Pay less by taking advantage of these nine discounts

Companies offering auto insurance do not advertise every discount very well, so the following is a list of both the well known and the harder-to-find discounts you could be receiving. If you don’t get every credit you deserve, you’re just leaving money on the table.

  • Multiple Policy Discount – When you have multiple policies with one insurance company you could get a discount of 10% to 20% off each policy.
  • Auto/Life Discount – Some companies give a break if you buy auto and life insurance together.
  • More Vehicles More Savings – Buying coverage for multiple cars or trucks on one policy can get a discount on all vehicles.
  • Federal Employees – Employees or retirees of the government can earn a discount up to 10% for Altima coverage depending on your company.
  • Good Student – Performing well in school can be rewarded with saving of up to 25%. The discount lasts up to age 25.
  • Pay Now and Pay Less – If paying your policy premium upfront instead of making monthly payments you may reduce your total bill.
  • Memberships – Belonging to a qualifying organization may earn a discount on insurance coverage for Altima coverage.
  • Military Rewards – Being on active duty in the military may qualify for rate reductions.
  • Passive Restraints and Air Bags – Cars that have air bags and/or automatic seat belt systems may earn rate discounts of more than 20%.

It’s important to note that most of the big mark downs will not be given to the overall cost of the policy. Some only apply to specific coverage prices like collision or personal injury protection. Just because you may think all those discounts means the company will pay you, it doesn’t quite work that way.

To see a list of companies with discount insurance coverage rates, click this link.

Your coverage should be tailored to you

When it comes to choosing coverage, there isn’t really a cookie cutter policy. Everyone’s needs are different.

For instance, these questions may help you determine if your insurance needs would benefit from professional advice.

  • Exactly who is provided coverage by my policy?
  • What is medical payments coverage?
  • Am I covered if I drive in a foreign country?
  • Can I drive in Mexico and have coverage?
  • Should I waive the damage coverage when renting a car?
  • Am I covered by my spouse’s policy after a separation?

If it’s difficult to answer those questions but you know they apply to you then you might want to talk to an agent. If you don’t have a local agent, fill out this quick form. It’s fast, doesn’t cost anything and can provide invaluable advice.

Free Auto Insurance Comparison

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

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Insurance coverage considerations

Having a good grasp of a insurance policy helps when choosing which coverages you need and the correct deductibles and limits. The terms used in a policy can be ambiguous and even agents have difficulty translating policy wording.

Comprehensive coverage

This coverage covers damage caused by mother nature, theft, vandalism and other events. A deductible will apply and the remainder of the damage will be paid by comprehensive coverage.

Comprehensive can pay for things like damage from getting keyed, a tree branch falling on your vehicle, hitting a bird and rock chips in glass. The maximum amount you’ll receive from a claim is the cash value of the vehicle, so if it’s not worth much more than your deductible it’s not worth carrying full coverage.

Collision insurance

This covers damage to your Altima from colliding with an object or car. You first must pay a deductible then the remaining damage will be paid by your insurance company.

Collision coverage protects against things such as rolling your car, hitting a parking meter, scraping a guard rail, damaging your car on a curb and backing into a parked car. This coverage can be expensive, so analyze the benefit of dropping coverage from older vehicles. Drivers also have the option to choose a higher deductible in order to get cheaper collision rates.

Liability insurance

Liability coverage will cover damage or injury you incur to a person or their property by causing an accident. This insurance protects YOU from claims by other people. Liability doesn’t cover damage to your own property or vehicle.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. As an example, you may have policy limits of 25/50/25 which stand for a limit of $25,000 per injured person, a total of $50,000 of bodily injury coverage per accident, and a limit of $25,000 paid for damaged property.

Liability can pay for claims like pain and suffering, medical services, funeral expenses, legal defense fees and structural damage. How much coverage you buy is a decision to put some thought into, but it’s cheap coverage so purchase as large an amount as possible.

Medical payments coverage and PIP

Personal Injury Protection (PIP) and medical payments coverage reimburse you for immediate expenses like funeral costs, dental work and prosthetic devices. They are used to fill the gap from your health insurance program or if you do not have health coverage. They cover both the driver and occupants and will also cover being hit by a car walking across the street. Personal injury protection coverage is not universally available but it provides additional coverages not offered by medical payments coverage

Uninsured/Underinsured Motorist coverage

Your UM/UIM coverage protects you and your vehicle from other drivers when they are uninsured or don’t have enough coverage. This coverage pays for hospital bills for your injuries and damage to your Nissan Altima.

Since many drivers have only the minimum liability required by law, their liability coverage can quickly be exhausted. This is the reason having UM/UIM coverage should not be overlooked.

A fool and his money are soon parted

As you prepare to switch companies, it’s very important that you do not reduce needed coverages to save money. In many cases, an insured cut comprehensive coverage or liability limits to discover at claim time that their decision to reduce coverage ended up costing them more. The aim is to buy enough coverage at the best price.

In this article, we presented a lot of tips how to get a better price on 2009 Nissan Altima insurance. The key thing to remember is the more you quote, the better your chances of lowering your rates. You may even find the lowest rates come from some of the lesser-known companies.

Drivers switch companies for many reasons like high rates after DUI convictions, being labeled a high risk driver, unfair underwriting practices and policy cancellation. It doesn’t matter why you want to switch switching auto insurance companies can be easier than you think.

For more information, take a look at the following helpful articles:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2009 Nissan Altima Insurance Rates by City
City Premium
New York City, NY $1,767
Los Angeles, CA $1,914
Philadelphia, PA $1,495
Jacksonville, FL $1,624
Phoenix, AZ $1,299
Chicago, IL $1,501
Houston, TX $1,752
Seattle, WA $1,091
Columbus, OH $934
Indianapolis, IN $949

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2009 Nissan Altima Insurance Rates by Driver Age
Driver Age Premium
16 $4,438
20 $2,574
30 $1,146
40 $1,118
50 $1,024
60 $1,004

Full coverage, $500 deductibles

Rates by Deductible

2009 Nissan Altima Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,330
$250 $1,234
$500 $1,118
$1,000 $1,008

Full coverage, driver age 40

Rates by Liability Limit

Nissan Altima Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,118
50/100 $1,213
100/300 $1,331
250/500 $1,639
100 CSL $1,260
300 CSL $1,521
500 CSL $1,711

Full coverage, driver age 40

Rates for High Risk Drivers

2009 Nissan Altima Insurance Rates for High Risk Drivers
Age Premium
16 $6,278
20 $4,110
30 $2,448
40 $2,420
50 $2,314
60 $2,292

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 $154

Potential Rate Discounts

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

Discount Savings
Multi-policy $58
Multi-vehicle $61
Homeowner $19
5-yr Accident Free $73
5-yr Claim Free $71
Paid in Full/EFT $44
Advance Quote $51
Online Quote $77
Total Discounts $454
Rate after discounts $664

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

Find companies with the cheapest rates in your area

2009 Nissan Altima Insurance Rates by State
State Premium
Alabama $1,010
Alaska $858
Arizona $928
Arkansas $1,118
California $1,276
Colorado $1,068
Connecticut $1,150
Delaware $1,266
Florida $1,400
Georgia $1,030
Hawaii $802
Idaho $754
Illinois $834
Indiana $840
Iowa $754
Kansas $1,064
Kentucky $1,526
Louisiana $1,654
Maine $690
Maryland $920
Massachusetts $896
Michigan $1,942
Minnesota $934
Mississippi $1,338
Missouri $992
Montana $1,200
Nebraska $882
Nevada $1,340
New Hampshire $804
New Jersey $1,248
New Mexico $992
New York $1,178
North Carolina $644
North Dakota $916
Ohio $772
Oklahoma $1,150
Oregon $1,024
Pennsylvania $1,068
Rhode Island $1,492
South Carolina $1,014
South Dakota $944
Tennessee $980
Texas $1,348
Utah $828
Vermont $766
Virginia $670
Washington $866
West Virginia $1,024
Wisconsin $776
Wyoming $996

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