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2018 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: Nov 21, 2019

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Average insurance rates for a 2018 Nissan Altima are $1,410 a year including full coverage. Comprehensive costs on average $284 each year, collision costs $552, and liability insurance costs $416. Buying a liability-only policy costs as little as $474 a year, with high-risk insurance costing around $3,066. Teen drivers receive the highest rates at $5,306 a year or more.

Annual premium for full coverage: $1,410

Rate estimates for 2018 Nissan Altima Insurance

Comprehensive $284
Collision $552
Liability $416

Rate data is compiled from all 50 U.S. states and averaged for all 2018 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 go from as low as $474 for just liability insurance to a high rate of $3,066 for a high risk driver.

Liability Only $474
Full Coverage $1,410
High Risk $3,066

View Chart as Image

2018 Nissan Altima insurance rates compared
Column chart showing 2018 Nissan Altima insurance prices range from $806 to $5,306 for full coverage

These differences highlight why all drivers should compare rates based on a 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 2018 Nissan Altima Insurance

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Buying budget-priced auto insurance online is challenging for beginners to comparing rates online. With such a large choice of insurers to choose from, how are people able to effectively compare every company to locate the best price?

This article will teach you how car insurance quotes work and some tricks to saving. If you currently have car insurance, you will be able to save some money using these tips. But vehicle owners need to have an understanding of how companies price online insurance and take advantage of how the system works.

The most recommended method to compare insurance rates from multiple companies is to know the trick most of the larger companies will pay a fee to give you rate quotes. To get started, all you need to do is spend a couple of minutes providing details such as whether you are single or married, how much coverage you want, how old drivers are, and any included safety features. The rating information is automatically sent to insurance companies and you should receive rate quotes within a short period of time.

Drivers can save with with these six discounts

Not many people think insurance is cheap, but there’s a good chance there are discounts that could drop your premiums quite a bit. A few discounts will automatically apply at the time of purchase, but some must be asked for in order for you to get them.

  • Telematics Data Discounts – Drivers who elect to allow driving data submission to spy on driving patterns through the use of a telematics system such as Snapshot from Progressive or Drivewise from Allstate might get better premium rates if they are good drivers.
  • Active Military Service – Being on active deployment in the military may lower your rates slightly.
  • Senior Citizen Rates – Seniors may receive lower premium rates for Altima insurance.
  • No Claim Discounts – Claim-free drivers can save substantially as opposed to insureds who have frequent claims or accidents.
  • Early Payment Discounts – If you can afford to pay the entire bill rather than paying in monthly installments you could save up to 5%.
  • Federal Government Employee – Active or retired federal employment could cut as much as 10% off for Altima insurance but check with your company.

Consumers should know that most discounts do not apply to the entire policy premium. The majority will only reduce the price of certain insurance coverages like medical payments or collision. So when it seems like you would end up receiving a 100% discount, you won’t be that lucky.

To choose providers with discount auto insurance rates, click here.

Your situation helps dictate your coverage

When it comes to choosing proper insurance coverage for your personal vehicles, there really is no single plan that fits everyone. Every insured’s situation is different.

For example, these questions may help you determine if your situation will benefit from professional help.

  • When should I drop full coverage on my 2018 Nissan Altima?
  • Is there coverage for injuries to my pets?
  • Does car insurance cover theft of personal property?
  • Will filing a claim cost me more?
  • Do I need special endorsements for business use of my vehicle?
  • Am I insured when driving a different vehicle?
  • Do I pay less for low miles?

If it’s difficult to answer those questions but you think they might apply to your situation, you may need to chat with a licensed agent. To find lower rates from a local agent, fill out this quick form.

Free Auto Insurance Comparison

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Specifics of your auto insurance policy

Learning about specific coverages of your auto insurance policy can be of help when determining the best coverages and the correct deductibles and limits. The coverage terms in a policy can be confusing and coverage can change by endorsement.

Comprehensive insurance

This coverage pays to fix your vehicle from damage OTHER than collision with another vehicle or object. A deductible will apply then your comprehensive coverage will pay.

Comprehensive coverage pays for things such as hitting a bird, hitting a deer, fire damage, a broken windshield and damage from a tornado or hurricane. The most your auto insurance company will pay is the ACV or actual cash value, so if the vehicle is not worth much it’s not worth carrying full coverage.

Auto collision coverage

Collision insurance pays for damage to your Altima caused by collision with another vehicle or an object, but not an animal. A deductible applies then your collision coverage will kick in.

Collision insurance covers things such as hitting a parking meter, colliding with a tree, rolling your car and colliding with another moving vehicle. This coverage can be expensive, so consider removing coverage from lower value vehicles. You can also increase the deductible in order to get cheaper collision rates.

Uninsured/Underinsured Motorist (UM/UIM)

Uninsured or Underinsured Motorist coverage protects you and your vehicle when other motorists do not carry enough liability coverage. Covered losses include hospital bills for your injuries as well as damage to your Nissan Altima.

Since a lot of drivers carry very low liability coverage limits, their liability coverage can quickly be exhausted. That’s why carrying high Uninsured/Underinsured Motorist coverage is important protection for you and your family. Most of the time these limits are similar to your liability insurance amounts.

Med pay and Personal Injury Protection (PIP)

Med pay and PIP coverage pay for expenses like hospital visits, rehabilitation expenses, prosthetic devices, EMT expenses and funeral costs. The coverages can be utilized in addition to your health insurance plan or if you do not have health coverage. They cover all vehicle occupants and will also cover being hit by a car walking across the street. PIP coverage is not an option in every state and may carry a deductible

Auto liability

This coverage protects you from injuries or damage you cause to other people or property that is your fault. It protects you from legal claims by others. It does not cover your injuries or vehicle damage.

Split limit liability has three limits of coverage: bodily injury per person, bodily injury per accident and property damage. Your policy might show liability limits of 25/50/25 which stand for a limit of $25,000 per injured person, a per accident bodily injury limit of $50,000, and a limit of $25,000 paid for damaged property. Alternatively, you may have one number which is a combined single limit which limits claims to one amount rather than limiting it on a per person basis.

Liability can pay for things like funeral expenses, medical expenses, repair costs for stationary objects and bail bonds. How much coverage you buy is a decision to put some thought into, but buy as much as you can afford.

Use our FREE quote tool to compare insurance rates now!

Rates by U.S. City

2018 Nissan Altima Insurance Rates by City
City Premium
New York City, NY $2,232
Los Angeles, CA $2,412
Philadelphia, PA $1,882
Jacksonville, FL $2,049
Phoenix, AZ $1,641
Chicago, IL $1,894
Houston, TX $2,213
Seattle, WA $1,376
Columbus, OH $1,181
Indianapolis, IN $1,200

Need a specific model?

Choose your model and trim below

Rates by Driver Age

2018 Nissan Altima Insurance Rates by Driver Age
Driver Age Premium
16 $5,306
20 $3,278
30 $1,470
40 $1,410
50 $1,290
60 $1,266

Full coverage, $500 deductibles

Rates by Deductible

2018 Nissan Altima Insurance Rates with Different Deductibles
Deductible Premium
$100 $1,782
$250 $1,610
$500 $1,410
$1,000 $1,222

Full coverage, driver age 40

Rates by Liability Limit

Nissan Altima Insurance Rates with Different Liability Limits
Liability Limit Premium
30/60 $1,410
50/100 $1,493
100/300 $1,597
250/500 $1,868
100 CSL $1,535
300 CSL $1,764
500 CSL $1,930

Full coverage, driver age 40

Rates for High Risk Drivers

2018 Nissan Altima Insurance Rates for High Risk Drivers
Age Premium
16 $7,570
20 $5,220
30 $3,134
40 $3,066
50 $2,928
60 $2,902

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 $199

Potential Rate Discounts

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

Discount Savings
Multi-policy $75
Multi-vehicle $75
Homeowner $21
5-yr Accident Free $105
5-yr Claim Free $92
Paid in Full/EFT $65
Advance Quote $71
Online Quote $100
Total Discounts $604
Rate after discounts $806

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

Find companies with the cheapest rates in your area

2018 Nissan Altima Insurance Rates by State
State Premium
Alabama $1,276
Alaska $1,084
Arizona $1,172
Arkansas $1,410
California $1,608
Colorado $1,350
Connecticut $1,452
Delaware $1,598
Florida $1,766
Georgia $1,302
Hawaii $1,012
Idaho $954
Illinois $1,052
Indiana $1,062
Iowa $954
Kansas $1,342
Kentucky $1,926
Louisiana $2,088
Maine $870
Maryland $1,164
Massachusetts $1,130
Michigan $2,452
Minnesota $1,180
Mississippi $1,690
Missouri $1,252
Montana $1,518
Nebraska $1,114
Nevada $1,690
New Hampshire $1,016
New Jersey $1,578
New Mexico $1,250
New York $1,488
North Carolina $814
North Dakota $1,154
Ohio $976
Oklahoma $1,448
Oregon $1,292
Pennsylvania $1,344
Rhode Island $1,880
South Carolina $1,278
South Dakota $1,192
Tennessee $1,236
Texas $1,702
Utah $1,044
Vermont $966
Virginia $846
Washington $1,092
West Virginia $1,292
Wisconsin $976
Wyoming $1,258

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