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2012 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 22, 2020

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Average insurance rates for a 2012 Nissan Altima are $1,200 a year for full coverage. Comprehensive costs approximately $214 each year, collision insurance costs $368, and liability insurance costs around $460. Buying a liability-only policy costs as low as $510 a year, and high-risk insurance costs around $2,602. Teenage drivers receive the highest rates at up to $4,688 a year.

Annual premium for full coverage: $1,200

Rate estimates for 2012 Nissan Altima Insurance

Comprehensive $214
Collision $368
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2012 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 40-year-old driver, prices range range from as low as $510 for basic liability insurance to a high rate of $2,602 for high-risk insurance.

Liability Only $510
Full Coverage $1,200
High Risk $2,602

View Chart as Image

2012 Nissan Altima insurance rates compared
Column chart showing 2012 Nissan Altima insurance prices range from $703 to $4,688 for full coverage

These differences show why all drivers should compare prices using their 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 2012 Nissan Altima Insurance

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Want better car insurance rates for your Nissan Altima? Purchasing the most affordable car insurance on the internet is problematic for consumers new to shopping for insurance online. When there are so many insurers to choose from, how can you even start to compare the different rates to find the cheapest rates?

It’s important to do rate comparisons on a regular basis since insurance rates are constantly changing. Even if you got the best price for Altima coverage a year ago other companies may now be cheaper. So block out anything you think you know about car insurance because I’m going to teach you one of the best ways to save money, get proper coverage and the best rates.

If you currently have car insurance, you will be able to reduce your rates substantially using these techniques. Finding affordable insurance coverage is not that difficult. But car owners must understand the way insurance companies price online insurance because it can help you find the best coverage.

How much can you save with these eight discounts?

Insurance can be prohibitively expensive, but you may find discounts to help bring down the price. Some trigger automatically when you get a quote, but a few must be manually applied before being credited.

  • Anti-lock Brake Discount – Vehicles with anti-lock braking systems can avoid accidents and qualify for as much as a 10% discount.
  • Claim Free – Claim-free drivers pay less when compared to frequent claim filers.
  • Club Memberships – Affiliation with a civic or occupational organization could trigger savings when shopping for auto insurance for Altima coverage.
  • Paperwork-free – A handful of insurance companies may give you up to $50 just for signing your application on their website.
  • Own a Home – Being a homeowner may earn you a small savings because of the fact that having a home shows financial diligence.
  • Good Student – Performing well in school can save 20 to 25%. This discount can apply up until you turn 25.
  • Seat Belts Save more than Lives – Requiring all passengers to buckle their seat belts could save 15% off the personal injury premium cost.
  • New Vehicle Savings – Adding a new car to your policy can save up to 30% due to better safety requirements for new cars.

Drivers should understand that most discounts do not apply to your bottom line cost. A few only apply to individual premiums such as comp or med pay. Just because it seems like you can get free auto insurance, companies don’t profit that way. Any amount of discount will bring down the amount you have to pay.

To see a list of insurers with the best auto insurance discounts, follow this link.

Comprehensive Car Insurance Comparison

There are several ways of comparing price quotes and find the best price. The simplest method to compare 2012 Nissan Altima insurance prices consists of obtaining rate quotes online. This is very easy and can be done using a couple different methods.

  1. The first (and easiest) way to find low rates would be an industry-wide quote request form like this one (opens in new window). This method keeps you from doing separate quote forms for each company you want a rate for. A single, simple form compares rates direct from many companies. It’s the fastest way to compare.
  2. A different way to get quotes online is spending the time to visit each individual company website and request a quote. For examples sake, let’s assume you want to compare Farmers, GEICO and Progressive. To find out each rate you need to go to every website to input your insurance information, which is why most consumers use the first method. For a handy list of car insurance company links in your area, click here.

Which method you use is up to you, but double check that you are using identical coverage limits for every quote you compare. If you are comparing different limits and deductibles on each one it’s not possible to make a fair comparison for your Nissan Altima. Having just a slight variation in limits can make a big difference in price. Just remember that more quotes provides better odds of finding a lower rate.

How much car insurance do I need?

When it comes to buying coverage for your vehicles, there is no perfect coverage plan. Your needs are not the same as everyone else’s.

These are some specific questions might help in determining whether you will benefit from professional help.

  • What companies insure drivers after a DUI or DWI?
  • What if I don’t agree with a claim settlement offer?
  • Should I file a claim if it’s only slightly more than my deductible?
  • How do I file an SR-22 for a DUI in my state?
  • If my pet gets injured in an accident are they covered?
  • When should I drop full coverage on my 2012 Nissan Altima?
  • Why am I required to buy liability insurance?
  • What is no-fault insurance?
  • If my 2012 Nissan Altima is totaled, can I afford another vehicle?
  • Can I get a multi-policy discount?

If you don’t know the answers to these questions but you think they might apply to your situation then you might want to talk to an agent. To find lower rates from a local agent, take a second and complete this form.

Free Auto Insurance Comparison

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

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Don’t believe everything you hear

Companies like State Farm, Allstate and GEICO consistently run ads on television and other media. All the ads make an identical promise about savings if you change your coverage to them. How does each company make the same claim?

All the different companies can use profiling for the right customer that earns them a profit. For instance, a driver they prefer could possibly be between the ages of 40 and 55, is a homeowner, and drives newer vehicles. A customer who fits that profile will get the preferred rates and is almost guaranteed to save a lot of money.

Drivers who fall outside these standards will be quoted a more expensive rate which usually ends up with the customer not buying. Company advertisements say “drivers who switch” but not “drivers who get quotes” save that kind of money. That’s the way companies can make the claims of big savings.

This emphasizes why drivers must get as many quotes as possible. It’s impossible to know the company that will provide you with the cheapest Nissan Altima insurance rates.

Specifics of your auto insurance policy

Learning about specific coverages of auto insurance can help you determine the right coverages and proper limits and deductibles. Policy terminology can be ambiguous and nobody wants to actually read their policy.

Collision coverage protection

This covers damage to your Altima from colliding with an object or car. A deductible applies then the remaining damage will be paid by your insurance company.

Collision can pay for claims such as hitting a parking meter, backing into a parked car, hitting a mailbox, crashing into a building and sustaining damage from a pot hole. Collision coverage makes up a good portion of your premium, so you might think about dropping it from vehicles that are 8 years or older. It’s also possible to increase the deductible to get cheaper collision coverage.

Comprehensive coverage (or Other than Collision)

This pays for damage that is not covered by collision coverage. You first have to pay a deductible then your comprehensive coverage will pay.

Comprehensive insurance covers claims such as hitting a deer, damage from a tornado or hurricane and hitting a bird. The highest amount a auto insurance company will pay at claim time is the cash value of the vehicle, so if the vehicle is not worth much consider removing comprehensive coverage.

Auto liability insurance

Liability coverage provides protection from damage or injury you incur to a person or their property that is your fault. Coverage consists of three different limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. Your policy might show policy limits of 100/300/100 that means you have $100,000 bodily injury coverage, a limit of $300,000 in injury protection per accident, and a limit of $100,000 paid for damaged property. Alternatively, you may have a combined single limit or CSL that pays claims from the same limit rather than limiting it on a per person basis.

Liability coverage protects against claims like repair bills for other people’s vehicles, medical expenses, legal defense fees and loss of income. The amount of liability coverage you purchase is your choice, but you should buy as much as you can afford.

Insurance for medical payments

Medical payments and Personal Injury Protection insurance provide coverage for short-term medical expenses for doctor visits, pain medications, dental work and ambulance fees. They are often used to cover expenses not covered by your health insurance policy or if you lack health insurance entirely. Coverage applies to not only the driver but also the vehicle occupants and also covers any family member struck as a pedestrian. PIP is not available in all states and gives slightly broader coverage than med pay

Uninsured Motorist or Underinsured Motorist insurance

Your UM/UIM coverage protects you and your vehicle’s occupants when the “other guys” do not carry enough liability coverage. This coverage pays for injuries to you and your family as well as damage to your Nissan Altima.

Because many people only carry the minimum required liability limits, their limits can quickly be used up. That’s why carrying high Uninsured/Underinsured Motorist coverage is very important. Most of the time the UM/UIM limits are set the same as your liablity limits.

Final thoughts

Insureds change insurance companies for many reasons like policy cancellation, policy non-renewal, delays in paying claims or an unsatisfactory settlement offer. Regardless of your reason, choosing a new insurance company is not as difficult as it may seem.

Budget-conscious 2012 Nissan Altima insurance can be found online in addition to many insurance agents, so you should be comparing quotes from both in order to have the best price selection to choose from. There are still a few companies who do not provide the ability to get a quote online and most of the time these small insurance companies sell through independent agents.

We just covered quite a bit of information on how to reduce insurance prices online. The key thing to remember is the more quotes you get, the better your comparison will be. Consumers could even find that the lowest priced insurance comes from a smaller regional carrier.

More tips and info about insurance is available by following these links:

Use our FREE quote tool to compare rates now!

Rates by U.S. City

2012 Nissan Altima Insurance Rates by City
City Premium
New York City, NY $1,899
Los Angeles, CA $2,052
Philadelphia, PA $1,604
Jacksonville, FL $1,742
Phoenix, AZ $1,397
Chicago, IL $1,609
Houston, TX $1,882
Seattle, WA $1,172
Columbus, OH $1,004
Indianapolis, IN $1,022

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2012 Nissan Altima Insurance Rates by Driver Age
Driver Age Premium
16 $4,688
20 $2,774
30 $1,236
40 $1,200
50 $1,100
60 $1,078

Full coverage, $500 deductibles

Rates by Deductible

2012 Nissan Altima Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,458
$250 $1,338
$500 $1,200
$1,000 $1,068

Full coverage, driver age 40

Rates by Liability Limit

Nissan Altima Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,200
50/100 $1,292
100/300 $1,407
250/500 $1,706
100 CSL $1,338
300 CSL $1,591
500 CSL $1,775

Full coverage, driver age 40

Rates for High Risk Drivers

2012 Nissan Altima Insurance Rates for High Risk Drivers
Age Premium
16 $6,646
20 $4,422
30 $2,642
40 $2,602
50 $2,488
60 $2,466

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 $167

Potential Rate Discounts

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

Discount Savings
Multi-policy $63
Multi-vehicle $65
Homeowner $20
5-yr Accident Free $82
5-yr Claim Free $77
Paid in Full/EFT $50
Advance Quote $57
Online Quote $83
Total Discounts $497
Rate after discounts $703

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

Find companies with the cheapest rates in your area

2012 Nissan Altima Insurance Rates by State
State Premium
Alabama $1,086
Alaska $920
Arizona $998
Arkansas $1,200
California $1,368
Colorado $1,148
Connecticut $1,234
Delaware $1,358
Florida $1,502
Georgia $1,108
Hawaii $862
Idaho $814
Illinois $894
Indiana $904
Iowa $808
Kansas $1,142
Kentucky $1,638
Louisiana $1,778
Maine $742
Maryland $990
Massachusetts $962
Michigan $2,086
Minnesota $1,006
Mississippi $1,438
Missouri $1,064
Montana $1,290
Nebraska $946
Nevada $1,442
New Hampshire $866
New Jersey $1,344
New Mexico $1,064
New York $1,266
North Carolina $692
North Dakota $984
Ohio $830
Oklahoma $1,234
Oregon $1,100
Pennsylvania $1,146
Rhode Island $1,604
South Carolina $1,088
South Dakota $1,012
Tennessee $1,052
Texas $1,448
Utah $888
Vermont $822
Virginia $718
Washington $930
West Virginia $1,100
Wisconsin $830
Wyoming $1,070

Free Auto Insurance Comparison

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