2011 Nissan Altima Insurance Rates
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UPDATED: Jan 21, 2020
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Average insurance rates for a 2011 Nissan Altima are $1,174 a year with full coverage. Comprehensive costs on average $206, collision insurance costs $346, and liability costs around $464. Buying a liability-only policy costs as low as $514 a year, and high-risk insurance costs around $2,546. Teenage drivers receive the highest rates at up to $4,606 a year.
Annual premium for full coverage: $1,174
Rate estimates for 2011 Nissan Altima Insurance
Rate data is compiled from all 50 U.S. states and averaged for all 2011 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 range from as low as $514 for just liability coverage to the much higher price of $2,546 for a driver who has had serious violations or accidents.
These differences demonstrate why everyone should compare prices based on a specific location and risk profile, instead of using 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 2011 Nissan Altima Insurance
Shoppers have options when shopping for the lowest priced Nissan Altima insurance. You can either spend your time driving around to compare prices or leverage the internet to find the lowest rates. There are both good and bad ways to buy car insurance and we’ll show you the absolute fastest way to price shop coverage for your Nissan and get the lowest possible price either online or from local insurance agents.
It’s important to do rate comparisons at least once a year because insurance rates are variable and change quite frequently. Even if you think you had the best deal for Altima coverage last year a different company probably has better rates today. There is a lot of wrong information about car insurance online but by reading this article, you’re going to learn some good information on how to reduce your car insurance bill.
Don’t miss these discounts
Auto insurance companies don’t list all available discounts very well, so we took the time to find both well-publicized as well as the least known ways to save on car insurance. If you don’t get every credit you deserve, you are throwing money away.
- Anti-theft System – Anti-theft and alarm systems can help prevent theft and therefore earn up to a 10% discount.
- Auto/Home Discount – When you have multiple policies with one insurance company you will save approximately 10% to 15%.
- Multiple Vehicles – Buying insurance for multiple vehicles on one policy can get a discount on all vehicles.
- Military Discounts – Being on active duty in the military could be rewarded with lower premiums.
- Club Memberships – Belonging to certain professional organizations may earn a discount when shopping for car insurance for Altima coverage.
- Good Students Pay Less – This discount can save 20 to 25%. The discount lasts up until you turn 25.
- Homeowners Pay Less – Owning a house can help you save on car insurance because of the fact that having a home requires personal responsibility.
- Pay Upfront and Save – By paying your policy upfront instead of making monthly payments you could save 5% or more.
- Anti-lock Brakes – Vehicles with anti-lock braking systems prevent accidents and qualify for as much as a 10% discount.
As a disclaimer on discounts, most of the big mark downs will not be given to the entire cost. A few only apply to individual premiums such as medical payments or collision. So even though it sounds like it’s possible to get free car insurance, car insurance companies aren’t that generous.
For a list of insurance companies who offer car insurance discounts, click this link.
Vehicle Insurance Comparison
There are multiple methods to compare 2011 Nissan Altima car insurance prices but some are easier and takes less work. You can waste a few hours (or days) talking about coverages with local insurance agents in your area, or you can utilize the internet to get pricing more quickly.
Many of the larger companies take part in a program where insurance shoppers enter their policy data once, and every company provides a quote determined by their information. This saves time by eliminating quote requests to every company.
To get comparison pricing now click here to start a free quote.
The one downside to pricing coverage this way is you can’t choose which carriers to get pricing from. If you prefer to choose individual companies to receive pricing from, we have a listing of car insurance companies in your area. View list of insurance companies.
Whichever method you choose, make darn sure you compare the exact same coverage limits and deductibles on every quote you get. If you are comparing different limits and deductibles on each one it will be next to impossible to determine the lowest rate for your Nissan Altima.
When might I need help?
When buying coverage, there really is no single plan that fits everyone. Every insured’s situation is different.
Here are some questions about coverages that might point out whether or not you might need an agent’s assistance.
- I don’t drive much so do I pay less?
- Is my state a no-fault state?
- Is my vehicle covered by my employer’s policy when using it for work?
- Is a fancy paint job covered?
- How much underlying liability do I need for an umbrella policy?
- Why am I required to buy high-risk coverage?
- Are rock chip repairs covered?
- Is my nanny covered when driving my vehicle?
If it’s difficult to answer those questions, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, simply complete this short form. It is quick, free and may give you better protection.
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Auto insurance coverage breakdown
Knowing the specifics of your policy helps when choosing the best coverages at the best deductibles and correct limits. Policy terminology can be confusing and even agents have difficulty translating policy wording.
Liability – Liability coverage protects you from damage that occurs to a person or their property. It protects YOU from legal claims by others, and does not provide coverage for damage sustained by your vehicle in an accident.
Liability coverage has three limits: per person bodily injury, per accident bodily injury, and a property damage limit. You might see policy limits of 50/100/50 that translate to a $50,000 limit per person for injuries, $100,000 for the entire accident, and a limit of $50,000 paid for damaged property.
Liability can pay for things like structural damage, medical services, repair costs for stationary objects, loss of income and emergency aid. How much liability coverage do you need? That is up to you, but buy higher limits if possible.
Medical payments coverage and PIP – Med pay and PIP coverage provide coverage for expenses like nursing services, funeral costs and chiropractic care. They are used in conjunction with a health insurance program or if you are not covered by health insurance. They cover all vehicle occupants in addition to if you are hit as a while walking down the street. PIP is not an option in every state but it provides additional coverages not offered by medical payments coverage
Collision – This coverage will pay to fix damage to your Altima resulting from colliding with another vehicle or an object, but not an animal. You will need to pay your deductible and then insurance will cover the remainder.
Collision coverage pays for claims like damaging your car on a curb, hitting a parking meter, driving through your garage door and crashing into a ditch. Paying for collision coverage can be pricey, so consider dropping it from older vehicles. Another option is to bump up the deductible to bring the cost down.
Comprehensive coverage – This coverage covers damage that is not covered by collision coverage. You first must pay your deductible then the remaining damage will be covered by your comprehensive coverage.
Comprehensive can pay for claims such as a broken windshield, fire damage, theft, a tree branch falling on your vehicle and rock chips in glass. The maximum amount your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s probably time to drop comprehensive insurance.
Uninsured/Underinsured Motorist coverage – Your UM/UIM coverage provides protection from other drivers when they either are underinsured or have no liability coverage at all. It can pay for medical payments for you and your occupants as well as your vehicle’s damage.
Because many people carry very low liability coverage limits, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.
Be a smart shopper
Low-cost 2011 Nissan Altima insurance is attainable on the web and with local insurance agents, and you need to comparison shop both in order to have the best chance of saving money. A few companies do not offer you the ability to get quotes online and usually these smaller companies provide coverage only through local independent agents.
We covered many ways to reduce insurance prices online. The key concept to understand is the more times you quote, the more likely it is that you will get a better rate. Consumers may even find the best price on insurance is with the smaller companies.
Insureds who switch companies do it for a variety of reasons including an unsatisfactory settlement offer, policy non-renewal, lack of trust in their agent and policy cancellation. No matter why you want to switch, finding the right insurance provider is not as hard as you think.
Additional information can be read on the following sites:
- Auto Crash Statistics (Insurance Information Insitute)
- No-Fault Auto Insurance Statistics (Insurance Information Insitute)
- Rental Car Insurance Tips (Insurance Information Insitute)
- Auto Insurance Learning Center (State Farm)
- Teen Driving Statistics (iihs.org)
Rates by U.S. City
|New York City, NY||$1,857|
|Los Angeles, CA||$2,010|
Need a specific model?
Choose your model and trim below
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
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.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$79|
|5-yr Claim Free||$75|
|Paid in Full/EFT||$48|
Discounts are estimated and may not be available from every company or in every state.