1. Vehicles
  2. Nissan
  3. Altima
  4. 2013 Model Year

2013 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 ...

Full Bio →

Written by

UPDATED: Jan 22, 2020

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Average insurance rates for a 2013 Nissan Altima are $1,248 a year for full coverage. Comprehensive insurance costs approximately $230, collision insurance costs $400, and liability insurance costs around $460. Buying a liability-only policy costs as low as $510 a year, and high-risk insurance costs $2,704 or more. Teen drivers receive the highest rates at up to $4,836 a year.

Annual premium for full coverage: $1,248

Rate estimates for 2013 Nissan Altima Insurance

Comprehensive $230
Collision $400
Liability $460

Rate data is compiled from all 50 U.S. states and averaged for all 2013 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 much higher rate of $2,704 for high-risk insurance.

Liability Only $510
Full Coverage $1,248
High Risk $2,704

View Chart as Image

2013 Nissan Altima insurance rates compared
Column chart showing 2013 Nissan Altima insurance prices range from $729 to $4,836 for full coverage

These differences show why anyone shopping for car insurance should compare prices using their specific location 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 2013 Nissan Altima Insurance

Searching Companies

Nissan Altima insurance
Nobody I know looks forward to paying for auto insurance, especially knowing their premiums are too high. Insurance companies such as State Farm, Farmers Insurance, GEICO and Allstate increase brand awareness with catchy ads and consumers find it hard to ignore the propoganda and take the time to shop coverage around.

Consumers need to take a look at other company’s rates yearly since insurance rates change quite often. If you had the best rates on Altima coverage two years ago you can probably find a lower rate today. Starting right now, ignore everything you know about auto insurance because we’re going to show you the fastest and easiest way to lower your annual insurance bill.

These factors can influence what you pay for Nissan Altima insurance

It’s important that you understand some of the elements that go into determining the price you pay for auto insurance. Knowing what controls the rates you pay allows you to make educated decisions that could result in much lower annual insurance costs.

Listed below are some of the items companies use to determine premiums.

  • A lapse in coverage is a bad thing – Having an insurance coverage lapse is a quick way to trigger a rate increase. And not only will insurance be more expensive, failure to provide proof of insurance will get you a license revocation or jail time.You may then be required to file a SR-22 with your state motor vehicle department to get your license reinstated.
  • Careful drivers pay lower rates – A bad driving record impacts your car insurance rates tremendously. Good drivers receive lower rates than people who have multiple driving citations. Only having one citation can increase rates forty percent or more. If you have severe violations like DWI, reckless driving or hit and run convictions may find they need to file a SR-22 to the state department of motor vehicles in order to drive a vehicle legally.
  • The more you drive the more you pay – The higher the mileage driven in a year’s time the more you’ll pay to insure your vehicle. Most insurance companies price each vehicle’s coverage based on their usage. Vehicles not used for work or commuting qualify for better rates as compared to vehicles used primarily for driving to work. Ask your agent if your auto insurance declarations sheet is showing the correct usage for each vehicle. Incorrect usage on your Altima can result in significantly higher rates.
  • Optional equipment can affect rates – Driving a car with a theft deterrent system can save you a little every year. Anti-theft features such as tamper alarm systems, vehicle immobilizer technology and General Motors OnStar all hinder your car from being stolen.
  • How your age affects price – Mature drivers tend to be more responsible, file fewer claims and tend to be better behind the wheel. Youthful drivers are known to be more careless in a vehicle and because of this, their auto insurance rates are much higher.
  • Occupation reflects on rates – Careers like real estate brokers, architects and dentists tend to have the highest average rates in part from stressful work requirements and lots of time spent at work. Other occupations like scientists, historians and retirees receive lower rates on Altima coverage.
  • Sex matters – Statistics demonstrate that men are more aggressive behind the wheel. However, this does not mean women are BETTER drivers than men. Women and men tend to get into accidents in similar percentages, but men have costlier accidents. Men also get cited for more serious violations such as reckless driving. Young males are several times more likely to be in an accident and therefore have the most expensive auto insurance rates.

Comprehensive Car Insurance Comparison

There are several ways to compare Nissan Altima car insurance quotes, but some are less time-consuming than others. You can spend countless hours driving to agents in your area, or you could save time and use the internet to accomplish the same thing much quicker.

All the larger companies belong to a marketplace where prospective buyers only type in their quote data once, and every company can give them a price based on the submitted data. This prevents consumers from doing quotation requests to each company.

To fill out one form to compare multiple rates now click here (opens in new window).

One minor caviat to using this type of form is buyers cannot specifically choose which carriers you want to price. If you prefer to choose specific providers to compare, we put together a list of low cost car insurance companies in your area. View list of insurance companies.

It’s up to you how you get prices quotes, just make darn sure you compare identical coverage limits and deductibles on every quote. If each company quotes higher or lower deductibles you will not be able to determine the best price for your Nissan Altima.

Cut your auto insurance rates with discounts

Auto insurance companies don’t necessarily list all available discounts in an easy-to-find place, so here is a list some of the best known and the harder-to-find auto insurance savings. If they aren’t giving you every credit possible, you’re paying more than you need to.

  • Passive Restraint Discount – Vehicles equipped with air bags or motorized seat belts can get savings up to 30%.
  • Life Insurance – Select insurance companies reward you with a discount if you purchase auto and life insurance together.
  • Memberships – Affiliation with certain professional organizations could trigger savings when buying auto insurance on Altima coverage.
  • Student Driver Training – Have your child take driver’s ed class in high school.
  • Federal Government Employee – Active or retired federal employment may qualify you for a discount on Altima coverage depending on your company.
  • Military Discounts – Being on active duty in the military can result in better rates.
  • Anti-theft System – Cars that have factory anti-theft systems can help prevent theft and qualify for as much as a 10% discount.
  • Early Switch Discount – Select companies give a discount for switching policies prior to your current policy expiration. It’s a savings of about 10%.
  • Good Students Pay Less – A discount for being a good student can be rewarded with saving of up to 25%. The good student discount can last up until you turn 25.
  • Student in College – Youth drivers living away from home attending college and do not have a car can receive lower rates.

It’s important to understand that most discount credits are not given to the overall cost of the policy. The majority will only reduce individual premiums such as liability and collision coverage. So even though they make it sound like all the discounts add up to a free policy, it doesn’t quite work that way.

For a list of insurance companies with the best auto insurance discounts, click here.

You are unique and your insurance coverage should be too

When buying coverage, there really is no perfect coverage plan. Everyone’s needs are different so this has to be addressed. For instance, these questions might point out if your insurance needs will benefit from professional help.

  • Will my vehicle be repaired with OEM or aftermarket parts?
  • Is a blown tire covered by insurance?
  • Do I benefit by insuring my home with the same company?
  • What is an SR-22 filing?
  • Is upholstery damage covered by car insurance?
  • Should I waive the damage coverage when renting a car?
  • How can I find cheaper teen driver insurance?
  • Am I covered when driving someone else’s vehicle?
  • Is my state a no-fault state?
  • Does my policy cover my teen driver if they drive my company car?

If you’re not sure about those questions but you think they might apply to your situation, then you may want to think about talking to an insurance agent. To find lower rates from a local agent, fill out this quick form or go to this page to view a list of companies. It only takes a few minutes and you can get the answers you need.

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

Auto insurance coverage information

Knowing the specifics of a insurance policy can be of help when determining which coverages you need for your vehicles. The coverage terms in a policy can be difficult to understand and even agents have difficulty translating policy wording. Shown next are typical coverages available from insurance companies.

Coverage for medical payments – Medical payments and Personal Injury Protection insurance provide coverage for bills such as dental work, ambulance fees and chiropractic care. The coverages can be used to fill the gap from your health insurance plan or if you are not covered by health insurance. It covers not only the driver but also the vehicle occupants in addition to any family member struck as a pedestrian. PIP is only offered in select states but can be used in place of medical payments coverage

Comprehensive coverages – Comprehensive insurance will pay to fix damage OTHER than collision with another vehicle or object. You first have to pay a deductible and then insurance will cover the rest of the damage.

Comprehensive insurance covers claims like damage from getting keyed, damage from flooding and falling objects. The highest amount you can receive from a comprehensive claim is the actual cash value, so if the vehicle’s value is low consider dropping full coverage.

Collision coverage – Collision coverage covers damage to your Altima caused by collision with an object or car. You have to pay a deductible then your collision coverage will kick in.

Collision coverage pays for claims such as driving through your garage door, sustaining damage from a pot hole, colliding with a tree, damaging your car on a curb and hitting a parking meter. Collision coverage makes up a good portion of your premium, so consider removing coverage from lower value vehicles. Another option is to raise the deductible to save money on collision insurance.

Uninsured and underinsured coverage – This gives you protection when the “other guys” are uninsured or don’t have enough coverage. This coverage pays for medical payments for you and your occupants and damage to your Nissan Altima.

Because many people only purchase the least amount of liability that is required, their liability coverage can quickly be exhausted. So UM/UIM coverage is very important.

Liability auto insurance – This provides protection from damages or injuries you inflict on a person or their property in an accident. It protects YOU from claims by other people. Liability doesn’t cover your injuries or vehicle damage.

It consists of three limits, bodily injury for each person, bodily injury for the entire accident, and a limit for property damage. You commonly see liability limits of 100/300/100 that means you have a limit of $100,000 per injured person, a limit of $300,000 in injury protection per accident, and a total limit of $100,000 for damage to vehicles and property.

Liability coverage pays for things such as repair bills for other people’s vehicles, funeral expenses, attorney fees, emergency aid and medical expenses. How much liability coverage do you need? That is your choice, but consider buying as large an amount as possible.

Spend less. Save more.

You just read a lot of techniques to save on 2013 Nissan Altima insurance. The most important thing to understand is the more rate quotes you have, the better your comparison will be. Drivers may discover the most savings is with a smaller regional carrier. Some small companies often have lower prices on specific markets than the large multi-state companies such as State Farm and Allstate.

The cheapest insurance can be sourced on the web as well as from independent agents, so you should compare both to get a complete price analysis. A few companies don’t offer online quoting and most of the time these smaller companies sell through independent agents.

Use our FREE quote tool to compare rates now!

To read more, link through to the following helpful articles:

Rates by U.S. City

2013 Nissan Altima Insurance Rates by City
City Premium
New York City, NY $1,974
Los Angeles, CA $2,133
Philadelphia, PA $1,666
Jacksonville, FL $1,810
Phoenix, AZ $1,450
Chicago, IL $1,670
Houston, TX $1,955
Seattle, WA $1,220
Columbus, OH $1,043
Indianapolis, IN $1,060

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2013 Nissan Altima Insurance Rates by Driver Age
Driver Age Premium
16 $4,836
20 $2,884
30 $1,288
40 $1,248
50 $1,142
60 $1,120

Full coverage, $500 deductibles

Rates by Deductible

2013 Nissan Altima Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,524
$250 $1,396
$500 $1,248
$1,000 $1,104

Full coverage, driver age 40

Rates by Liability Limit

Nissan Altima Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,248
50/100 $1,340
100/300 $1,455
250/500 $1,754
100 CSL $1,386
300 CSL $1,639
500 CSL $1,823

Full coverage, driver age 40

Rates for High Risk Drivers

2013 Nissan Altima Insurance Rates for High Risk Drivers
Age Premium
16 $6,868
20 $4,598
30 $2,750
40 $2,704
50 $2,586
60 $2,564

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 $174

Potential Rate Discounts

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

Discount Savings
Multi-policy $65
Multi-vehicle $67
Homeowner $20
5-yr Accident Free $87
5-yr Claim Free $80
Paid in Full/EFT $53
Advance Quote $60
Online Quote $87
Total Discounts $519
Rate after discounts $729

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

Find companies with the cheapest rates in your area

2013 Nissan Altima Insurance Rates by State
State Premium
Alabama $1,130
Alaska $958
Arizona $1,036
Arkansas $1,248
California $1,422
Colorado $1,194
Connecticut $1,284
Delaware $1,414
Florida $1,560
Georgia $1,152
Hawaii $896
Idaho $846
Illinois $928
Indiana $938
Iowa $840
Kansas $1,186
Kentucky $1,702
Louisiana $1,848
Maine $772
Maryland $1,030
Massachusetts $1,000
Michigan $2,168
Minnesota $1,046
Mississippi $1,494
Missouri $1,108
Montana $1,340
Nebraska $984
Nevada $1,498
New Hampshire $900
New Jersey $1,396
New Mexico $1,106
New York $1,316
North Carolina $718
North Dakota $1,022
Ohio $862
Oklahoma $1,284
Oregon $1,144
Pennsylvania $1,190
Rhode Island $1,666
South Carolina $1,130
South Dakota $1,054
Tennessee $1,092
Texas $1,504
Utah $924
Vermont $854
Virginia $748
Washington $968
West Virginia $1,144
Wisconsin $864
Wyoming $1,112

Free Auto Insurance Comparison

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

 Secured with SHA-256 Encryption

You May Also Enjoy These Articles